本报记者 熊悦 继工商银行提高个人积存金投资准入门槛后，又一家国有大行调整黄金积存业务办理条件。 1月26日，农业银行在官网发布关于存金通黄金积存业务增加风险承受能力测评要求的公告。公告显示，为落实监管要 求，进一步保护金融消费者权益，该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。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、定投三类业务时，需在业务申请办理渠道，按该 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。 在此基础上，农业银行公告还提示，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。 中国邮政储蓄银行研究院研究员娄飞鹏告诉《证券日报》记者，近期金价快速攀升至历史高位，市场波动加剧，商业银行 为防范非理性投资风险、保护投资者权益，通过增加风险承受能力测评要求、提高积存金起存门槛等方式，加强积存金业务风 险管控。 "银行上调黄金积存业务风险测评门槛，是金融机构主动采取的理性风控措施。"深圳市前海排排网基金销售有限责任公司 公募产品 ...

Core Viewpoint - China Merchants Bank (招商银行) announced trading time adjustments for personal precious metals and foreign exchange transactions during the Qingming Festival and International Easter holidays in 2025 [1] Group 1: Qingming Festival Holiday - Personal gold account business will close at 24:00 on April 3, 2025, and reopen at 09:00 on April 7, 2025 [2] - The "Gold Growth" business will stop purchases, redemptions, and gold withdrawal operations starting April 4, 2025, and will resume on April 7, 2025 [3] - The physical gold target savings will halt regular investment, purchases, redemptions, and gold withdrawal operations from April 4, 2025, resuming on April 7, 2025; however, the target savings plan will not be affected by the holiday [4] - Personal spot foreign exchange trading and two-way foreign exchange trading will close at 05:00 on April 5, 2025, and reopen at 08:00 on April 7, 2025; new positions for two-way foreign exchange trading have been stopped, allowing only existing positions to be closed [5] - Personal spot paper gold and silver, as well as two-way paper precious metals trading, will close at 05:00 on April 5, 2025, and reopen at 08:00 on April 7, 2025; new positions have been stopped, allowing only existing positions to be closed [5] - The "Hedging Bullion" business will stop redemptions and gold withdrawal operations starting April 4, 2025, and will resume on April 7, 2025 [5] Group 2: International Easter Holiday - Personal gold account business will close at 15:30 on April 18, 2025, and reopen at 09:00 on April 21, 2025 [6] - The "Gold Growth" business will stop purchases, redemptions, and gold withdrawal operations starting April 18, 2025, and will resume on April 21, 2025 [7] - The physical gold target savings will halt regular investment, purchases, redemptions, and gold withdrawal operations from April 18, 2025, resuming on April 21, 2025; the target savings plan will not be affected by the holiday [8] - Personal spot foreign exchange trading and two-way foreign exchange trading will close at 05:00 on April 19, 2025, and reopen at 08:00 on April 21, 2025; new positions for two-way foreign exchange trading have been stopped, allowing only existing positions to be closed [9] - Personal spot paper gold and silver, as well as two-way paper precious metals trading, will close at 05:00 on April 18, 2025, and reopen at 08:00 on April 21, 2025; new positions have been stopped, allowing only existing positions to be closed [9] - The "Hedging Bullion" business will stop redemptions and gold withdrawal operations starting April 18, 2025, and will resume on April 21, 2025 [10]