黄金市场近期波动加剧，智通财经记者注意到，银行方面态度出现了矛盾且分化趋势。一方面行业近期 普遍强化市场风险提示，另一方面"0费率"揽客战在行业中持续蔓延。 今日下午，智通财经记者以投资者身份咨询长沙银行官方客服具体情况。该行客服向记者确认，此前个 人积存金买入、定期积存扣款手续费费率为0.5%，活动期间降至零，卖出费率则保持保持0.5%不变。 智通财经记者注意到，长沙银行并非近期首家通过"0费率"手段为黄金业务揽客的银行。在此之前，工 商银行等部分国有大行已率先宣布将个人积存金买入手续费降为"0费率"。 公开信息显示，1月20日，"工商银行云南分行"微信公众号宣布1月1日至3月31日期间个人用户购买工银 积存金可享买入0元手续费；1月22日，"工商银行深圳分行"微信公众号宣布即日起至2026年3月31日个 人用户购买工银积存金享买入0元手续费。 此外，1月8日，南京银行南京分行宣布1月1日至3月31日期间，该行积存金交易手续费享8折优惠。 受访业内人士认为，这看似矛盾的行为，实则统一于银行在风险可控背景下，借黄金产品扩容财富管理 业务、提升中收规模的战略逻辑。 智通财经记者采访业内获悉，目前不少银行将发力黄 ...

Core Viewpoint - The recent surge in gold prices has led to increased investment interest, prompting multiple banks to promote gold accumulation services with various fee waivers and incentives for long-term holding [2][3][4]. Group 1: Gold Price Surge - Gold prices have reached historic highs, with COMEX gold futures exceeding $3,690 per ounce and Shanghai Gold Exchange AU9999 hitting 836 yuan per gram [2][3]. - The rise in gold prices is attributed to three main factors: expectations of Federal Reserve interest rate cuts, increased gold purchases by central banks, and heightened geopolitical risks [5]. Group 2: Bank Promotions - Several banks, including Industrial and Commercial Bank of China and Nanjing Bank, are offering promotional activities for gold accumulation, such as waiving fees for active accumulation and providing discounted buy/sell rates [3][4]. - Banks are emphasizing the benefits of long-term gold holding, with some offering rebates and fee waivers for clients who hold gold for over a year [2][3]. Group 3: Investor Behavior and Risks - While banks are promoting long-term holding through fee waivers, experts caution that these measures alone may not significantly encourage a long-term investment mindset [4]. - Banks have issued risk warnings regarding gold accumulation products, highlighting that gold prices can be volatile and investors should be aware of potential losses [6].