时间线拉回至2022年，多家银行纷纷发布"停新"公告，一场由银行主导的"贵金属业务收缩潮"悄然展 开，调整靶心直指加杠杆的个人炒金业务。 如今银行清理休眠账户不仅是对当年收缩业务的延续，也意味着个人通过银行渠道杠杆炒金的时代正式 落幕。 严控个人杠杆炒金，源于监管要求。2021年底，多部门联合发文，明确要求金融机构审慎开展与个人客 户的衍生品交易。此前，类似"原油宝"的事件已敲响警钟，监管要求银行严格落实投资者适当性管理， 既是合规要求，也是对投资者权益的主动保护。 随着银行近期密集发布公告，个人贵金属业务再度成为热议话题。 近日，工商银行发布调整代理上海黄金交易所（以下简称"上金所"）个人贵金属交易业务公告，清理长 期不活跃的"三无"客户，并将保证金账户余额直接转回结算账户。 工行并非孤例。早前，也有部分国有大行、股份制银行、城商行发布类似公告，部分银行甚至直接停办 代理上金所个人贵金属业务。 银行渠道的便捷性，更是让这场杠杆狂欢触手可及，不少人沉浸在"低本金撬动高收益"的想象里，却忽 略了杠杆背后的风险深渊。 清理杠杆炒金通道，并不意味着个人投资者失去参与贵金属市场的机会。银行积存金业务、黄金ETF、 实 ...

Macro Dynamics - The Ministry of Commerce and five other departments issued the "Action Plan for Promoting High-Quality Development of Service Outsourcing," aiming to cultivate a group of internationally competitive leading service outsourcing enterprises by 2030 [2] - The plan emphasizes the digitalization, intelligence, greening, and integration of service outsourcing, with a significant increase in employment [2] Steel Industry - As of early December, the steel inventory of key steel enterprises reached 14.75 million tons, a year-to-date increase of 19.2% [3] Fixed Asset Investment - From January to November, national fixed asset investment (excluding rural households) totaled 4.44035 trillion yuan, a year-on-year decrease of 2.6% [4] Financial Institutions - CITIC Bank clarified that it has never cooperated with "KOO Wallet" and warned against fraudulent activities using its name [5] - ICBC announced adjustments to its management of personal precious metal trading business, urging clients to withdraw funds from accounts with no positions or debts [6] Market Data - On December 15, A-shares saw a collective decline, with the Shanghai Composite Index down 0.55% and the ChiNext Index down 1.77%, with a total market turnover of approximately 1.773439 trillion yuan [8] - Hong Kong stocks also fell, with the Hang Seng Index down 1.34% and the Hang Seng Tech Index down 2.48% [9] Company Dynamics - Muxi Co., Ltd. announced that its stock will be listed on the Shanghai Stock Exchange's Sci-Tech Innovation Board on December 17, 2025, and will be classified as a growth tier company due to its current unprofitability [10] - Cambrian Technology plans to use 2.778 billion yuan from its capital reserve to offset accumulated losses [11] - Unisoc's board approved the establishment of a Central Research Institute focusing on AI chip architecture and other advanced technologies [12] - Tongrentang announced legal action against a company for unauthorized use of its name on a product with allegedly false labeling [13] - Baina Qiancheng is planning a major asset restructuring and will suspend its stock trading starting December 16, 2025 [14]

为顺应市场形势变化，建设银行、工商银行近期发布关于调整个人贵金属交易业务的公告。除了建设银 行、工商银行之外，中国网财经记者不完全统计，今年以来，还包括华夏银行、兴业银行、光大银行、 中信银行、平安银行等多家银行收紧个人贵金属交易业务。 关于调整个人贵金属交易业务的原因，多家银行在公告中提到，近期贵金属市场波动加大，为保护投资 者权益，防范市场风险。业内专家表示，商业银行收紧贵金属等业务，主要是为了降低交易活动的潜在 风险，更好地保护投资者合法权益。 多家银行收紧个人贵金属交易业务 国际金价在今年3月创下高点，之后一路下跌，时至7月，金价围绕1700美元/盎司附近波动，并创下近 十个月价格新低。 另外，2022年7月6日，上海黄金交易所发布的《关于做好近期市场风险控制工作的通知》提到，近期受 国际因素影响，全球大宗商品价格出现大幅波动，市场风险明显加剧。上海黄金交易所提醒各会员单位 提高风险防范意识，做细做好风险应急预案，提示投资者做好风险防范工作，合理控制仓位，理性投 资。 为顺应市场形势变化，建设银行、工商银行近期发布关于调整个人贵金属交易业务的公告。2022年7月 18日，建设银行发布了关于该行账户贵金 ...