上述公告显示，为落实监管要求，进一步保护金融消费者权益，农业银行将对个人客户参与存金通黄金 积存交易增加风险承受能力测评准入条件。 【#国际金价首破5100美元#势如破竹，#银行出手控存金通风险#】国际金价不断刷新历史新高，现货价 格和期货价格先后突破5000美元/盎司、5100美元/盎司关口，部分机构仍在上调目标价。在此背景下， 银行已开始出手控风险。 具体来看，自2026年1月30日起，个人客户办理存金通黄金积存业务（包括存金通1号、2号）签约、买 入、定投3类业务时，需在业务申请办理渠道，按农行统一的风险测评问卷进行风险承受能力评估、取 得谨慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重测。 1月26日午后，农业银行发布公告，宣布存金通业务将新增风险承受能力测评。 第一财经记者从农业银行客服人员处了解到，按照此前要求，客户办理存金通业务须凭有效身份证件及 借记卡（附属卡除外）至一级分行辖内营业的网点开立贵金属账户，同一客户在农业银行只允许开立一 个贵金属账户，免收开户费。 另外，已签约客户的卖出、提货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的 限制。 ...

Core Viewpoint - The price of gold has reached unprecedented levels, with international gold prices exceeding $3,700 per ounce and domestic gold jewelry prices surpassing 1,100 yuan per gram, indicating a strong bullish trend in the market [1][3]. Group 1: Market Trends - Gold has experienced a three-year bull market, driven by poor U.S. employment data and anticipated interest rate cuts by the Federal Reserve, which have created favorable conditions for gold prices [3]. - The recent surge in gold prices has been significant, with a 5% increase in a single week, marking a rare occurrence in the market [7]. - Gold prices have surpassed historical inflation-adjusted peaks, with current prices reflecting a significant increase compared to the past [3][7]. Group 2: Economic Context - The current economic environment is characterized by global political instability and economic conflicts, which have contributed to the rising gold prices [11]. - Historical comparisons show that the current economic situation mirrors past periods of high inflation and economic turmoil, particularly in developed economies [7][11]. Group 3: Consumer Behavior - Consumers tend to prefer purchasing gold when prices are rising, leading to increased demand despite high prices [13]. - The price disparity between domestic jewelry stores and wholesale markets, such as Shenzhen's Shui Bei market, has widened, with jewelry store prices significantly higher than international gold prices [13].