Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adjusting its management of personal precious metal trading business to enhance investor protection and adapt to market changes, particularly focusing on cleaning up inactive accounts with idle funds [1][4]. Group 1: Account Management Adjustments - ICBC will transfer the balances of margin accounts with no positions, inventory, or debts to the linked settlement accounts starting from December 19, 2025, and will terminate the related business functions [4]. - Customers with existing positions are not affected by this adjustment and are advised to monitor related announcements to manage their positions and mitigate market risks [4][5]. Group 2: Rationale Behind Adjustments - The adjustment aims to clean up long-term inactive accounts that retain idle funds, thereby improving account management efficiency and reducing the risk of funds being forgotten [5]. - The focus is not on penalizing non-compliant customers but rather on standardizing the management of "silent accounts" that have no trading activity but still hold funds [6]. Group 3: Strategic Developments in Precious Metals - ICBC is accelerating its layout in the gold industry infrastructure, having established designated gold warehouses in Sanya and Hezhou, which are expected to enhance operational efficiency for local gold enterprises [6]. - The bank's expansion into the Hong Kong market includes plans to open a gold warehouse at Hong Kong International Airport, aligning with the Hong Kong government's goal to establish an international gold trading market [7].