图片来源：界面图库 邮储银行则于9月30日宣布，该行代理上海黄金交易所个人贵金属业务即将停办，要求相关持仓客户及 现货库存客户于10月31日0点前择机自主平仓卖出。 除了国有大行，股份行和城商行都有相关行动。10月30日，中信银行发布公告称，因业务合规经营和发 展需要，自11月7日起，将对代理上海黄金交易所个人交易长期不动户（仅有可用金额，无持仓）进行 清理。 9月30日，宁波银行表示，自10月13日起将停止受理代理个人客户上海黄金交易所现货实盘买入交易， 卖出交易不受影响。同时要求在此之前已在该行持有现货实盘库存的客户，结合近期市场情况自主择机 卖出。此外，自10月13日起，对于近三个月无持仓交易的代理个人客户，该行将对客户账户清算后，进 行解约处理。 工商银行将自2025年12月19日起，将上述客户的保证金账户余额批量转出至该业务绑定的结算账户，并 关闭相关业务功能。关闭后，客户与工商银行签署的《代理个人客户贵金属竞价交易业务协议书》将终 止。现有持仓客户的平仓交易不受本次业务调整影响。 除了工商银行之外，此前建设银行、农业银行、邮储银行等也有相关动作。 12月8日，建设银行也发布了"关于代理个人客户上海 ...

Core Viewpoint - Recent fluctuations in precious metal prices have led several banks to raise investment thresholds for gold accumulation products, indicating a growing interest in gold investments among customers [1][2]. Group 1: Bank Adjustments - Several banks, including Industrial Bank and Ping An Bank, have announced increases in the minimum investment amounts for gold accumulation products, with Industrial Bank raising the threshold from 1000 RMB to 1200 RMB for monetary transactions [1]. - Ping An Bank plans to increase the minimum investment for its gold accumulation plan from 900 RMB to 1100 RMB starting October 24, 2025 [1]. - The adjustments are primarily due to the rapid increase in gold prices, reflecting banks' responses to market changes and serving as risk warnings to investors [1][2]. Group 2: Risk Warnings - A number of banks, including China Construction Bank and China Merchants Bank, have issued multiple risk warnings regarding gold price fluctuations since early October [2]. - Bank staff have been actively communicating risks to clients, emphasizing the importance of understanding the volatility in gold prices and the non-returnable nature of gold products once sold [2]. - Some banks have ceased to offer personal precious metal business services, with Postal Savings Bank announcing the termination of related services by October 31 [2]. Group 3: Market Analysis - On October 21, significant adjustments occurred in the international precious metal market, with notable declines in gold and silver prices attributed to profit-taking, changes in macroeconomic policy expectations, and a shift of some investors towards the stock market [3]. - Despite the volatility, gold retains its status as a safe-haven asset, with international gold prices expected to have some support, although high volatility is anticipated in the near future [3]. - Investors are advised to monitor market changes closely and to allocate gold and related products in their asset portfolios based on their risk preferences and investment needs [3].

Core Viewpoint - Recent fluctuations in precious metal prices have led several banks to issue risk alerts and raise the investment threshold for gold accumulation products to above 1000 RMB [1][2]. Group 1: Market Trends - There has been a noticeable increase in the popularity of gold investments, with a rise in customer inquiries and purchases of related products [2]. - On October 21, 2023, Industrial Bank announced an increase in the minimum purchase amount for its gold accumulation products from 1000 RMB to 1200 RMB for monetary transactions, while the weight-based purchase minimum remains at 1 gram [2]. - Similarly, Ping An Bank adjusted its gold accumulation product minimum investment from 900 RMB to 1100 RMB, effective October 24, 2025 [2]. Group 2: Risk Management - Banks are adjusting the minimum investment amounts in response to the rapid increase in gold prices, which serves as a risk alert to investors [2]. - A number of banks, including China Construction Bank, have issued multiple risk warnings regarding gold prices since late September, with the latest warning on October 17 [2][3]. - Financial institutions are emphasizing the importance of risk awareness among clients, particularly regarding the non-returnable nature of gold products once sold [3]. Group 3: Market Analysis - On October 21, the international precious metals market experienced significant adjustments, with notable declines in gold and silver prices due to various factors, including profit-taking and shifts in macroeconomic policy expectations [3]. - The global political, military, and economic landscape remains complex, suggesting that gold will continue to hold its status as a safe-haven asset, although high volatility in gold prices is expected [4].

Core Viewpoint - Recent fluctuations in precious metal prices have led several banks to issue risk alerts and increase the investment threshold for gold accumulation products to above 1000 yuan [1][2]. Group 1: Market Trends - There has been a noticeable increase in the popularity of gold investments, with a rise in customer inquiries and purchases of related products [2]. - On October 21, Industrial Bank announced an adjustment to its gold accumulation business, raising the minimum purchase amount from 1000 yuan to 1200 yuan for monetary transactions, while maintaining a minimum of 1 gram for weight-based transactions [2]. - Similarly, Ping An Bank announced an increase in the minimum investment amount for its gold accumulation plan from 900 yuan to 1100 yuan, effective from October 24, 2025 [2]. Group 2: Risk Management - Banks are adjusting the minimum investment amounts in response to rapid increases in gold prices, which serves as a risk alert for investors [2][3]. - A number of banks, including China Construction Bank, have issued multiple risk warnings regarding gold prices since late September, with the latest warning on October 17 [2][3]. - Financial institutions are emphasizing the importance of risk awareness among clients, particularly regarding the non-refundable nature of gold products once sold [3]. Group 3: Market Dynamics - On October 21, the international precious metals market experienced significant adjustments, with notable declines in gold and silver prices due to various factors, including profit-taking and shifts in macroeconomic policy expectations [3]. - The global political, military, and economic landscape remains complex, suggesting that gold will continue to have strong safe-haven attributes, although high volatility in gold prices is expected [4].