Core Viewpoint - The gold market is experiencing significant volatility, with the London gold spot price surpassing $5,500 per ounce on January 29, leading to a surge in domestic gold investment interest. In response, several banks, including Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and Ping An Bank, have implemented adjustments to their gold accumulation and fixed deposit services to manage risks and guide investor behavior [1]. Group 1: Yield Adjustments - The first category involves a reduction in yields, focusing on optimizing the rules for gold fixed deposits and accumulation. Ping An Bank announced that starting February 4, 2026, the yield for its gold accumulation business will be adjusted, with the current account yield dropping to 0.01%, and fixed deposit yields set at 0.2% for 3 months, 0.4% for 6 months, and 0.8% for 1 year. Existing customers will retain their current rates for fixed deposits made before the new rules take effect [2]. Group 2: Business Threshold and Rules Adjustments - The second category includes adjustments to business thresholds and processing rules, such as raising the minimum investment amount and implementing limit management. CCB announced that effective February 2, 2026, the minimum amount for personal gold accumulation will be raised to 1,500 yuan, marking the fourth increase in the past year. Previously, the threshold had been raised from 700 yuan to 1,200 yuan [2]. - ICBC has focused on managing non-trading day operations by implementing dynamic limit management for its gold accumulation business starting February 7, 2026. This will cover daily accumulation and redemption limits for all customers, with specific limits adjusted based on market volatility [3]. Group 3: Risk Management Enhancements - The third category involves upgrading risk management protocols to enhance investor suitability assessments. Several banks, including Agricultural Bank of China, have begun requiring higher risk tolerance evaluations for individual clients participating in gold accumulation transactions. ICBC has mandated that only clients rated C3 (balanced) and above can engage in gold accumulation starting January 12, 2026, while Agricultural Bank has restricted participation to cautious investors and above from January 30, 2026 [3].