多家银行上调最低投资额 据了解，积存金作为银行贵金属业务的核心品类，其购买起投金额的设定直接关联投资者的参与门槛与 风险控制效果。此前，多数银行该产品的起投金额均采用固定标准，但在当前金价高位震荡的背景下， 固定起点既难以灵活适配金价波动带来的投资成本变化，还可能让投资者面临不必要的风险敞口，因此 银行开始探索新的业务模式。 10月24日，交通银行在官网发布公告称，为顺应市场变化，自2025年10月27日起，该行贵金属钱包积存 计划起点金额将调整为随金价浮动的方式，积存金额需大于等于实时金价，且符合积存交易递增单位要 求（100的整数倍）。例如，积存时贵金属钱包业务的金价为923元/克，积存计划交易递增单位为100 元，则可申请积存计划的最低金额为1000元。 事实上，交通银行此次调整并非个例。此前中国农业银行已宣布将"存金通2号"按金额定投的购买起点 调整为随金价浮动的方式。 上海金融与法律研究院研究员杨海平对《证券日报》记者表示，与大部分银行采用的"固定金额+不定 期调整"模式相比，采用与实时金价挂钩的购买起点金额浮动机制优势包括：其一，在当前金价屡创新 高的背景下，与实时金价相挂钩的浮动机制可以避免频繁 ...

（来源：现代商业银行杂志） 10月24日，交通银行在官网发布公告称，为顺应市场变化，自2025年10月27日9时30分起，该行"贵金属钱包"积存计划的起点金额 将不再固定，而是调整为"随金价浮动"的模式。具体而言，客户设置的积存金额需大于等于实时金价，并满足交易递增单位为100 元整数倍的要求。 例如：积存时的贵金属钱包业务金价923元/克，积存计划交易递增单位为100元，则可申请积存计划的最低金额为1000元。 不只是交通银行，中国农业银行官网在9月就已经发布公告称，将按金额定投存金通2号的购买起点调整为随金价浮动的方式。公告 中称，为落实监管要求，方便客户，按金额定投农业银行存金通2号的购买起点将调整为随金价（闭市期间的存金通买入价参考最 近一个有效报价）浮动方式，交易递增单位维持10元不变。 业内人士认为，银行采用与实时金价挂钩的浮动定价机制，更贴合当前金价剧烈波动的背景，可能为其他银行提供参考。 多家银行调高门槛 10月以来，工商银行、中国银行、平安银行、兴业银行等银行纷纷上调积存金起投门槛。 图片来源：交通银行网站 多家银行发布风险提示 近期贵金属价格波动剧烈，多家银行发布风险提示，呼吁投资者密切关 ...

Core Insights - The article highlights the significant rise in gold prices and the increasing interest in gold investment among different demographics, particularly intellectuals and young consumers in China [1][3][8]. Group 1: Gold Price Surge - Gold prices have recently surpassed $4,200 per ounce, leading to a corresponding increase in domestic gold jewelry prices, with notable daily increases in prices from major retailers [3][5]. - The price of gold jewelry has seen substantial increases, with examples including a rise from 1,215 RMB per gram to 1,235 RMB per gram for Chow Tai Fook jewelry [3][5]. Group 2: Investment Trends - The trend of gold investment is particularly strong among two groups: intellectuals like Professor Yu, who view gold as a long-term investment, and young consumers who see it as a combination of personal enjoyment and savings [3][4]. - A report indicates that the gold jewelry ownership rate among young consumers has increased from 37% to 62% [3]. Group 3: Banking Actions - In response to rising gold prices, major banks in China have raised the minimum purchase amounts for gold investment products, marking a shift to a "thousand yuan era" for gold investment [5][6]. - The adjustments made by banks, such as China Bank and Industrial and Commercial Bank, are seen as risk management measures in light of the soaring gold prices [6]. Group 4: Factors Driving Gold Prices - Multiple factors are contributing to the surge in gold prices, including economic uncertainty, geopolitical tensions, and expectations of a renewed interest rate cut cycle by the Federal Reserve [8][9]. - The demand for gold as a defensive asset has significantly increased, with central banks contributing to price support through substantial gold purchases [9][10]. Group 5: Investment Strategies - Professor Yu's strategy of regular gold investment has proven effective, with historical data showing that gold can serve as a hedge against inflation and market volatility [12][14]. - The article emphasizes the importance of a disciplined investment approach, as demonstrated by Professor Yu, who views gold investment as a form of forced savings rather than speculation [15][16].