本报（chinatimes.net.cn）记者张萌 卢梦雪 北京报道 近期金价持续走强，屡创新高。纽约黄金期货（COMEX）于9月9日盘中达到每盎司3690美元上方，刷 新历史纪录。9月10日，上海黄金交易所AU9999盘中最高触及每克836元，同样创下新高。 随着市场黄金投资热度高涨，多家银行借势推广黄金积存业务，推出多项手续费优惠活动。包括免除主 动积存手续费、买入卖出手续费率优惠等。记者注意到，多家银行强调了长期持有积存金的优势，有银 行对持有满一年的客户进行返利、免收赎回手续费，鼓励投资者进行长期布局。 记者注意到，上述推广积存金业务的银行均在宣传中进行了风险提示。例如，光大银行明确表示，黄金 积存产品不等同于银行存款，金价会随市场波动，投资者可能因市场变化而蒙受损失。该行提醒投资者 应充分认识投资风险，谨慎做出投资决策。 "部分银行提供手续费优惠，本意是借助黄金价格创新高的热度，拓展业务。此类措施可以直接增加银 行的中间业务收入，也会因交叉营销机会而间接增加其他中间业务收入。"9月11日，北京财富管理行业 协会特约研究员杨海平向《华夏时报》记者表示。他同时提醒，银行在拓展业务时，应以恰当的方式让 投 ...

"近期，国际政治经济风险加剧，黄金价格出现大幅波动的可能性增加。建议您根据自身的风险承受能力和资金使用需求，做好风险预防，以资产配置角度 合理配置黄金资产，理性购买积存金和实物金产品。"近日，中信银行发布了如是公告。这不是唯一一家提示风险的银行，记者翻阅多家银行官网发现，今 年下半年以来，银行几乎每个月都对黄金发出风险提示。 随着黄金价格高位震荡，9月3日，上海黄金交易所发布通知，自9月5日（星期五）收盘清算时起，Au（T+D）、mAu（T+D）、Au（T+N1）、Au （T+N2）、NYAuTN06、NYAuTN12等合约的保证金水平从13%调整为14%，下一交易日起涨跌幅度限制从12%调整为13%；Ag（T+D）合约的保证金水平 从16%调整为17%，下一交易日起涨跌幅度限制从15%调整为16%。 金价飙涨，银行连忙调整业务并发出风险警示。周四（9月11日）金价微跌，伦敦金报3623.76美元/盎司，微跌0.45%。上交所Au99.99合约收盘价为836.52 元，相较于1月2日的621.99元，黄金价格已涨34.49%，并于9月10日盘中创下新高836元。 随着金价持续冲高并刷新历史纪录，多家银行迅速行 ...

Summary of Key Points Core Viewpoint - The recent increase in the minimum purchase threshold for gold accumulation products by several banks, including China Bank, is a response to the soaring gold prices, which have risen over 30% since the beginning of the year, with international gold prices reaching historical highs of over $3,500 per ounce [1][3]. Group 1: Bank Adjustments - On April 22, China Bank raised the minimum purchase amount for gold accumulation products from 750 yuan to 850 yuan, marking the second increase in April [3]. - Other banks, such as Industrial and Commercial Bank of China and Everbright Bank, have also raised their minimum purchase thresholds for gold accumulation products, with some banks setting the threshold as high as 1,000 yuan [5][3]. - The adjustments are aimed at filtering clients with higher risk tolerance and investment experience while controlling the scale of personal gold accumulation business [5]. Group 2: Market Analysis - The surge in gold prices is attributed to a weaker dollar, uncertainties in trade policies, and hawkish comments from the Federal Reserve regarding stagflation risks [1][7]. - Analysts express concerns about potential short-term corrections in gold prices, as evidenced by a significant reduction in net long positions in gold futures, which dropped over 30% recently [7][8]. - Despite short-term volatility risks, analysts maintain a bullish long-term outlook on gold due to its strategic value as a safe-haven asset amid economic uncertainties [8].

Group 1: Gold Price Surge - Gold prices have reached historical highs, with London gold hitting $3059.63 per ounce and New York gold reaching $3071.30 per ounce on March 27 [1] - As of March 28, London gold surpassed $3070 per ounce, with current prices at $3079.25 per ounce, reflecting a 0.74% increase, while New York gold is at $3120.13 per ounce, up 0.95% [1] Group 2: Domestic Gold Jewelry Prices - Domestic gold jewelry prices have also increased, with prices for gold jewelry surpassing 930 yuan per gram, including brands like Chow Sang Sang at 934 yuan per gram and Chow Tai Fook at 932 yuan per gram [3] Group 3: Banks Adjusting Gold Accumulation Products - Several banks have raised the minimum purchase amounts for gold accumulation products due to rising gold prices, with China Construction Bank increasing the minimum from 700 yuan to 800 yuan starting March 31 [5] - China Merchants Bank has also raised the minimum for gold account purchases from 700 yuan to 750 yuan, marking the second increase this year [9] - Ningbo Bank announced an increase in the minimum purchase amount for gold accumulation from 700 yuan to 800 yuan effective March 19, 2025 [14] - Industrial and Commercial Bank of China raised the minimum investment for its gold accumulation business from 650 yuan to 700 yuan starting March 3 [17] - Bank of China adjusted the minimum purchase amount for gold accumulation products from 650 yuan to 700 yuan starting February 10 [20] Group 4: Market Sentiment and Future Outlook - Analysts suggest that the adjustments in banks' gold accumulation rules are closely tied to the rising gold prices, which are expected to remain high due to increased market risk aversion stemming from global trade tensions and geopolitical conflicts [20] - Goldman Sachs has raised its gold price target for the end of 2025 from $3100 to $3300 per ounce, predicting a potential range of $3250 to $3520 per ounce [22] - There are concerns about market overheating, with some institutions indicating that gold valuations are nearing historical highs, suggesting caution for future investments [23]