【#工商银行上调积存金起购点#】工商银行网站11日发布通告，为顺应市场形势变化，我行将对如意金 积存业务"按金额"积存方式的最低投资额进行调整：自北京时间2025年10月13日起，该行如意金积存业 务最低投资额（即积存起点金额）由850元上调至1000元；按克数积存的积存起点仍为1克。 ...

Core Viewpoint - The article discusses a recent incident involving a customer of the Industrial and Commercial Bank of China (ICBC) who reported impurities in gold bars purchased from the bank. The bank responded by confirming that the claims were unfounded and that the gold bars met quality standards [2][3]. Group 1: Incident Response - ICBC's Shanghai Jiading Branch confirmed that a customer reported impurities in gold bars purchased from the bank, but after investigation, the claims were found to be untrue [2]. - The bank conducted a quality inspection of the gold bars in collaboration with the customer and the Shanghai Institute of Measurement and Testing Technology, which confirmed that the gold content was 99.99% and there were no quality issues [2]. - The suspected impurities were determined to be external attachments that could be removed, and the customer accepted the findings of the quality inspection [2]. Group 2: Product Information - The gold bars in question are known as "Ruyi Gold," which are designed by ICBC and certified by the Shanghai Gold Exchange, with a purity of AU99.99 [5]. - ICBC offers various specifications of "Ruyi Gold" bars, including weights of 20g, 50g, 100g, 200g, 500g, and 1000g, and customers can inquire about other specifications through bank branches or electronic banking [5]. - The bank provides a "Ruyi Gold" accumulation service, allowing customers to open accounts to record their purchases and choose to redeem physical gold or cash out their balances [5]. Group 3: Market Context - Recently, international gold prices have been volatile, with significant increases observed since 2025 due to various factors, prompting multiple banks to issue risk warnings regarding fluctuations in precious metal prices [6].

Group 1 - The core viewpoint is that the volatility of precious metal prices has increased, prompting banks to issue risk warnings to investors regarding precious metal investments [1][2][4] - Construction Bank has repeatedly issued similar warnings throughout the year, indicating a significant rise in market risk associated with precious metals [4][6] - Several banks have raised the minimum investment thresholds for gold accumulation business, thereby increasing the barriers for individual investors [8] Group 2 - On April 14, the spot gold price reached a new historical high of $3,245 per ounce, reflecting a continuous rise in international gold prices [9] - Goldman Sachs has raised its gold price forecast for the end of 2025 from $3,300 to $3,700 per ounce, marking a 12% increase, which is the most aggressive adjustment by the firm this year [10] - The World Gold Council reported an increase in global central bank gold reserves by 24 tons in February, driven by concerns over U.S. economic growth and rising inflation [11]