日前，随着金价大幅震荡，工行、农行、中行、建行、交行等多家银行相继调整积存金相关业务，并发布风险提示。 工行调整积存金业务并提示风险 2月1日，工商银行发布消息称，近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议投资者在审慎评估自身风险承受能力的基础上，保持理性 投资心态，避免盲目追涨杀跌。建议从中长期视角考虑，坚持分批分散、适度均衡的原则进行投资配置。请投资者密切关注行情变化，合理控制持仓规 模，有效防范市场波动风险。 工行还于1月30日发布公告，调整如意金积存的业务办理规则并修改协议文本的约定。自2月7日起，在周末以及法定节假日等非上海黄金交易所交易日， 该行将对如意金积存业务进行限额管理，限额类型包括全量或单一客户单日积存/赎回上限、单笔积存或赎回总量上限等，并进行动态设置，提金不受影 响。 此外，工行积存金起购金额自1月8日起，由1000元上调至1100元；同时，自1月12日起，C3(平衡型)及以上的个人客户方可办理积存金业务。 建行上调积存金起购金额并提示风险 1月30日，建设银行发布公告称，自2月2日9:10起，个人黄金积存业务定期积存起点金额(包括日均积存及自选日积存)上调至1500元。 ...

【导读】多家国有大行发布风险提示，并调整黄金投资业务 中国基金报记者 忆山 日前，随着金价大幅震荡，工行、农行、中行、建行、交行等多家银行相继调整积存金相关业务，并发布风险提示。 工行调整积存金业务并提示风险 2月1日，工商银行发布消息称，近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议投资者在审慎评估自身风险承受能力的基础上，保持理性投 资心态，避免盲目追涨杀跌。建议从中长期视角考虑，坚持分批分散、适度均衡的原则进行投资配置。请投资者密切关注行情变化，合理控制持仓规模，有 效防范市场波动风险。 | 尊敬的客户: | | --- | | 近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议您在审慎评估自身风险承 | | 受能力的基础上，保持理性投资心态，避免盲目追涨杀跌。建议从中长期视角考虑，坚持分批 | | 分散、适度均衡的原则进行投资配置。请密切关注行情变化，合理控制持仓规模，有效防范市 | | 场波动风险。 | | 感谢您的支持! | | 中国工商银行股份有限公司 | | 2026年2月1日 | 工行还于1月30日发布公告，调整如意金积存的业务办理规则并修改协议文本的约定。自2月7日起，在周 ...

来源：智通财经 受特朗普提名"鹰派"凯文·沃什出任美联储主席消息影响，贵金属市场昨日出现巨幅波动。1月30日，现 货黄金单日最大跌幅超12%，盘中最低触及4682美元/盎司，收盘下跌9.25%报4880.03美元/盎司。 智通财经记者注意到，就在本周贵金属价格出现剧烈波动前后，有两家国有大行要求客户在办理相关业 务时需增加风险评测。农业银行公告自1月30日起，对个人客户参与存金通黄金积存交易时，需取得谨 慎型及以上评估结果。交通银行最新公告显示，自1月31日起，客户办理相关业务也有了风险评测要 求。 如以今年1月份为限，则已有工行、农行、交行三家国有大行明确公告相关要求。在此期间，黄金及多 种贵金属均迎来一波快速上涨行情。 记者多方采访了解到，前述银行的相关要求和调整或不涉及客户准入门槛的变动，主要是业务办理流程 中增加一道风险评测要求。从近期一轮业务规则调整来看，国有大行和股份行对个人客户参与贵金属业 务的风险提示和风险防范均相对充分，呈现集体审慎的态度。 1月份三家国有大行要求黄金积存业务前置风险评测 智通财经记者注意到，今年1月份，已有工商银行、农业银行、交通银行三家国有大行作出类似要求。 交通银行最新 ...

今日热点导览 TOP3大新闻 特朗普提名美联储新主席人选 当地时间1月30日上午，美国总统特朗普提名美国联邦储备委员会前理事凯文·沃什出任下一任美联储主 席，接替现任美联储主席鲍威尔。沃什2006年加入美联储，是当时最年轻的美联储理事。在美联储任职 期间，沃什持鹰派货币政策立场，但近年转向支持特朗普的关税政策及加快降息立场。特朗普在首个总 统任期内提名鲍威尔为美联储主席。当时，鲍威尔与沃什均为特朗普考虑的人选，但鲍威尔最终获得提 名。 根据美国法定程序，美联储主席由美国总统提名人选，经国会参议院批准后任职。（央视新闻） 广东连续8年成为第一生育大省 数据显示，2025年末，广东全省常住人口12859万人，比上年末增加79万人。全年出生人口100.3万人， 人口出生率为7.82‰；死亡人口71.3万人，人口死亡率为5.56‰；人口自然增长29万人，人口自然增长 率为2.26‰。2025年城镇人口占常住人口比重（城镇化率）为76.58%，比上年末提高0.67个百分点。对 一个省份来说，人口增长包括自然增长和机械增长（即"人口净流入"）。广东已连续6年成为全国唯一 出生人口超百万的省份，连续8年蝉联"第一生育大省" ...

30日下午，现货黄金、白银再次加速下跌。 截至发稿，现货黄金跌超7%，跌破5000美元/盎司，日内重挫近400美元。 现货白银跌超16%，报97.112美元/盎司，日内重挫超18美元。 有投资者表示，"现在金价低，想加仓来拉低均价，结果浙商银行积存金一直买不进去。系统显示，当 前交易流量激增，请稍后重试。"工商银行积存金页面也一度显示"当前交易流量激增，请稍后重试"。 与此同时，工行、建行今日相继发布公告，对个人黄金积存业务的相关规则进行调整。 工商银行宣布，自2月7日起，将对如意金积存业务进行限额管理；建设银行宣布，个人黄金积存业务定 期积存起点金额将上调至1500元。 | W | | | 伦敦金现 | | | | | < W | | | 伦敦银现 | | | 0 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | SPTAUUSDOZ IDC | | | | | | | | SPTAGUSDOZ.IDC | | | | | 4983.552 | | 非環 ...

Core Viewpoint - The recent surge in gold prices, reaching a historical high of $4643 per ounce, has led to increased investor interest in gold accumulation products offered by banks, which are seen as accessible and flexible investment options [1] Group 1: Market Trends - From January 2 to January 14, 2026, the London spot gold price increased by 7.35% [1] - Banks are responding to the rising demand for gold accumulation products by lowering fees while simultaneously raising minimum investment thresholds and enhancing risk warnings [1][5] Group 2: Business Strategies - Banks are marketing gold accumulation products as "pain-free gold saving," promoting low entry barriers to attract individual investors [3] - Some banks, like Jiangsu Bank, have launched promotional campaigns encouraging customers to convert small expenditures into gold investments [3] - Various banks are offering temporary fee discounts to lower the cost of entry for investors, such as Industrial and Commercial Bank of China (ICBC) waiving fees for purchases made between January 1 and March 31, 2026 [3] Group 3: Risk Management - Banks are tightening risk management measures in response to the volatility in gold prices, transitioning gold accumulation products from general savings alternatives to medium-risk investment products [5] - ICBC has raised the minimum investment amount for its gold accumulation products from 1000 yuan to 1100 yuan as of January 8, 2026 [5][6] - Risk assessment requirements for investors have been increased, with banks like ICBC requiring a minimum risk rating of C3 (balanced) for new accounts and investments [6][7] Group 4: Investor Suitability - The increase in risk assessment levels aims to ensure that only investors with appropriate risk awareness and capacity can participate, thereby protecting them from potential losses during price fluctuations [7] - The dual strategy of raising entry barriers while offering fee discounts is designed to attract qualified investors and enhance market share, reflecting a balanced approach to risk management and business growth [7]

Core Viewpoint - The precious metals market has shown a strong upward trend at the beginning of the year, with gold and silver prices reaching new highs, driven by various factors including geopolitical risks and central bank purchases [1][3][7]. Price Performance - As of January 12, spot gold reached a high of $4600.79 per ounce, marking a year-to-date increase of over 6%. Silver also performed well, hitting a peak of $84.596 per ounce, with a year-to-date increase exceeding 17% [1][2]. - The current prices for gold and silver are $4589.320 and $83.961 respectively, with gold showing a daily increase of 1.78% and silver 5.26% [2]. ETF Inflows - Significant inflows into gold ETFs have been observed, with major funds like the China Universal Gold ETF and E Fund Gold ETF seeing increases of over 13,000 shares each in the past week [3]. - The recent surge in gold prices has led to a high premium in the market, prompting fund companies to issue risk warnings and adjust their redemption policies [4][8]. Factors Driving Prices - The rise in gold and silver prices is attributed to three main factors: continued purchases by central banks, significant inflows from institutional investors into gold ETFs, and retail demand for physical gold and silver [6]. - Geopolitical risks and concerns over U.S. fiscal sustainability are also contributing to the upward pressure on gold prices [7]. Market Adjustments - Several major banks have issued warnings regarding the risks associated with gold investments, including adjustments to trading rules and increased investment thresholds [10]. - The China Bank and Industrial and Commercial Bank of China have raised the minimum investment amounts for gold accumulation products, reflecting a tightening of investment conditions [10]. Future Outlook - Institutions remain optimistic about the long-term upward potential of precious metals, although they caution that the pace and extent of price increases will depend on factors such as U.S. Federal Reserve policies and geopolitical developments [11]. - Analysts suggest that gold will continue to play a significant role in investment strategies, particularly as a hedge against economic uncertainties [11].

Core Viewpoint - The international gold market has achieved a significant breakthrough in early 2026, with spot gold prices surpassing $4600 per ounce for the first time, driven by continuous purchases from central banks and high investment interest in gold [1][2]. Group 1: Historical Price Records - As of January 12, 2026, the London spot gold price reached a peak of $4601.38 per ounce, marking a daily increase of over 2% [2]. - In 2025, international gold prices saw a cumulative increase of over 60%, the largest annual gain in nearly 46 years, setting the stage for the new high [2]. - Domestic gold prices also surged, with Shenzhen's real-time gold sales reaching 1018.27 yuan, reflecting a strong correlation with international price movements [2]. Group 2: Risk Warnings from Major Banks - Major state-owned banks, including Bank of China and Industrial and Commercial Bank of China, have issued risk warnings and adjusted trading rules to guide investors towards more rational participation in gold investments [3][7]. - Bank of China has specifically warned against "gold pre-pricing" investment traps, highlighting the risks of illegal trading platforms that lure investors with promises of low thresholds and high returns [7]. - Industrial and Commercial Bank has raised the minimum investment threshold for its gold accumulation products from 1000 yuan to 1100 yuan, indicating a proactive approach to risk management [7]. Group 3: Central Bank's Role - The strong performance of gold prices is closely linked to the People's Bank of China's ongoing accumulation of gold, with reserves reaching 74.15 million ounces as of December 2025, an increase of 30,000 ounces from the previous month [9]. - The central bank has been increasing its gold holdings for 14 consecutive months, reinforcing gold's significance in reserve asset allocation [9]. Group 4: Divergent Market Outlook - Market institutions have differing views on the future trajectory of gold prices, with a consensus on short-term high volatility [11]. - The World Gold Council suggests that current gold prices reflect expectations of stable global economic growth and a potential interest rate cut cycle, predicting a short-term fluctuation within a ±5% range [11]. - Various macroeconomic scenarios indicate potential price movements: a 5% increase if economic growth slows, a 15%-30% rise in case of a deep recession, and a 5%-20% decline if a strong economic recovery strengthens the dollar [11]. - Analysts from Everbright Securities express an optimistic outlook, predicting a target price of $4950 per ounce for gold in 2026, emphasizing its role as a crucial asset in investment portfolios amid rising geopolitical risks and inflation pressures [11].

Core Viewpoint - Gold prices have continued to rise, with COMEX gold futures increasing by 1.29% to $4518.4 per ounce, marking a weekly increase of 4.34% as of January 9, 2026, raising concerns about trading risks in the gold market [1] Group 1: Gold Price Trends - Gold prices have surpassed the $4500 mark, indicating a sustained upward trend since early 2026 [1] - The increase in gold prices has led to heightened trading risks, prompting major banks to issue warnings and adjust trading rules [1] Group 2: Warnings from Financial Institutions - Bank of China has alerted the public about illegal trading platforms that promote "gold investment" and "gold pre-pricing," which are essentially scams disguised as investment opportunities [2] - These platforms often promise low entry barriers and high returns, misleading users into believing they are investing in gold when they are actually gambling [2] - The Bank of China emphasizes that such activities are illegal and participants may face legal consequences [2] Group 3: Changes in Investment Policies - Industrial and Commercial Bank of China (ICBC) has raised the minimum investment amount for its gold accumulation business from 1000 yuan to 1100 yuan, effective January 8, 2026 [5] - ICBC will also require personal customers to undergo a risk assessment to qualify for gold accumulation services, raising the risk rating requirement from C1 to C3 [6] - This adjustment reflects the bank's response to the increased volatility in gold prices and aims to ensure that investors have an appropriate risk tolerance [7]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) will close the personal precious metals trading services for "three no" clients (no positions, no inventory, no debts) starting December 19, urging customers with remaining balances to withdraw promptly [1][4]. Group 1: Business Adjustments - ICBC's decision is part of a broader trend among nearly ten commercial banks, including Agricultural Bank of China, China Construction Bank, and others, to gradually phase out personal precious metals trading services for "three no" clients since September [4]. - The banks have been adjusting their services to protect individual investors, especially in light of increased volatility in precious metal prices, which poses significant risks for retail investors [4][5]. Group 2: Market Context - The precious metals market has shown remarkable performance this year, with international gold prices increasing by approximately 60% and silver prices rising over 110% as of December 15 [6][7]. - In response to market conditions, banks have made changes to their gold business, including adjustments to minimum investment amounts and risk management protocols [7].