2025.04. 28 本文字数：2511，阅读时长大约4分钟 导读 ：相较于传统金店，银行正成为年轻人的"淘金圣地"。 作者 | 第一财经 王方然 近期，国际金价剧烈波动，却意外点燃了年轻人的"淘金热"。 4月22日，COMEX黄金期货、伦敦现货黄金分别突破3500美元/盎司，创历史新高，随后开始回 落。截至28日记者发稿，COMEX黄金期货日内跌0.32%，报3288美元/盎司，伦敦金现日内跌 1.12%，报3281美元/盎司。 金价回调后，有人高位套牢，也有人逢低加仓。第一财经记者注意到，不少投资者将银行APP视 为"数字金店"，通过积存金、黄金ETF等产品低买高卖，甚至频繁兑换实体黄金。 黄金短期波动加剧下，已有银行悄然上调积存金起购门槛，部分实体黄金产品出现"售罄"或暂停交 易。银行正在黄金热潮带来的商机与风控间寻找平衡。 热衷银行购金 相较于传统金店，银行正成为年轻人的"淘金圣地"。 "我把银行APP当金店逛。"广东深圳一名95后黄金投资者阿芳（化名）告诉记者，尤其是在金价频繁 波动的阶段，每天都会抽时间看看持仓的积存金价格。价格降了就补仓，涨了就出手。偶尔兑换些实 体黄金。去年初至今，她持仓的积 ...

Core Viewpoint - Banks are becoming the preferred choice for young investors seeking gold, as they offer more flexible and accessible investment options compared to traditional gold shops [2][3]. Group 1: Market Trends - Recent fluctuations in international gold prices have sparked a surge in interest among young investors, with COMEX gold futures and London spot gold reaching historical highs of over $3500 per ounce before experiencing a pullback [2]. - Many investors are utilizing bank apps as "digital gold stores," engaging in activities such as accumulating gold, trading gold ETFs, and frequently exchanging for physical gold [2][3]. Group 2: Banking Sector Response - Banks have seen a significant increase in gold trading volumes, with Minsheng Bank reporting a gold trading volume of 2405.66 tons and a transaction amount of 13494.98 billion yuan in its 2024 financial report [3]. - In response to the influx of investors, several banks have raised the minimum purchase thresholds for gold accumulation products, with new thresholds ranging from 800 to 1000 yuan [4]. Group 3: Product Availability - Some banks have experienced intermittent shortages or pauses in the availability of physical gold products, with reports of certain gold items being sold out or requiring advance reservations for purchase [5][7]. - The demand for physical gold has led to temporary closures of purchasing channels for certain gold products at banks, indicating a strain on supply [7]. Group 4: Financial Performance - The total precious metal asset scale of 18 listed banks reached 7708.78 billion yuan by the end of 2024, marking a 70.2% increase from the end of 2023 [10]. - Major state-owned banks have shown significant growth in their precious metal asset scales, with the combined total for ICBC, Bank of China, CCB, and ABC reaching 6415 billion yuan, a growth of approximately 83.23% [10]. Group 5: Revenue Generation - The surge in gold trading has positively impacted banks' non-interest income, with banks earning from various fees associated with gold accumulation products, including transaction fees and price differentials [12]. - Banks are actively optimizing their gold trading services, extending trading hours and promoting gold accumulation products to enhance customer engagement [12][13]. Group 6: Technological Advancements - Banks are leveraging technology to improve gold trading processes, with initiatives to develop intelligent systems for efficient order processing and market analysis [13]. - Digital tools are being utilized to enhance customer service and product offerings in the gold market, reflecting a shift towards more tech-driven solutions in banking [13].