【环球网财经综合报道】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。 公告还提到，调整前已设置成功的定期积存计划将继续执行，不受影响。设置展期的定期积存计划到期后，若原计划 积存金额满足该行最新要求，则展期成功，否则展期失败。修改定期积存计划需满足该行最新积存金额要求。 值得一提的是，1月29日，现货黄金最高触及5598.75美元/盎司，再创历史新高。在市场火热行情下，不仅是建设银 行，其他银行纷纷出手对黄金相关业务进行调整。 调整动作中，包括如建设银行调整起购门槛，还有的银行下调黄金账户利率。具体而言，宁波银行自1月28日起调整 定存金产品定存利率，调整后利率分别为：活期0%、1个月0.3%、3个月0.3%、6个月0.4%、12个月0.5%，相较此前活 期0.2%、1个月0.3%、3个月0.4%、6个月0.6%、12个月0.8%，此次下调幅度为0—30个基点。 平安银行自2月4日起调整平安金积存业务相关收益率，其中活期收益率调整为0.01%、3个月期定存收益率调整为 0.2%、6个月期定存收益率调整为0.4%、1年期定存 ...

1月29日，现货黄金强势拉升，突破每盎司5500美元关口，延续近日的上攻态势。金价持续上涨也引发 银行接连调整积存金业务。近日，两家银行均发布公告，调整积存金业务定存利率，有银行活期利率为 0%。此外，部分银行调高了积存金起购门槛，还有国有行要求个人客户办理积存金业务需进行风险承 受能力评估。专家提醒，在家庭资产配置中，黄金的主要功能是对冲极端风险、平抑整体资产组合的波 动。理财新手要抵制将其作为"一夜暴富"投机工具的诱惑。 南都湾财社记者查询发现，2025年5月份宁波银行曾调整过定存金产品定存利率，彼时为活期0.2%，1 个月0.3%，3个月0.4%，6个月0.6%，12个月0.8%。 "由于近期贵金属价格波动加剧，请您提高贵金属业务的风险防范意识，基于自身财务状况、风险承受 能力理性投资，从资产配置角度合理配置贵金属资产。请及时关注持仓情况，合理控制仓位，注意分散 配置，避免单一重仓贵金属。"宁波银行提醒道。 平安银行也于近日调整了相关业务利率。公告称，根据近期黄金市场变动情况，平安银行自2026年2月4 日起调整平安金积存业务相关收益率，其中活期收益率调整为0.01%、3个月期定存调整为0.2%、6个月 ...

1月29日，现货黄金强势拉升，突破每盎司5500美元关口，延续近日的上攻态势。金价持续上涨也引发 银行接连调整积存金业务。近日，两家银行均发布公告，调整积存金业务定存利率，有银行活期利率为 0。此外，部分银行调高了积存金起购门槛，还有国有行要求个人客户办理积存金业务需进行风险承受 能力评估。 专家提醒，在家庭资产配置中，黄金的主要功能是对冲极端风险、平抑整体资产组合的波动。理财新手 要抵制将其作为"一夜暴富"投机工具的诱惑。 有银行积存金业务活期利率降至0 近日，宁波银行发布公告称，该行决定自2026年1月28日起调整定存金产品定存利率。调整后的定存金 产品定存利率分别为：活期0%，1个月0.3%，3个月0.3%，6个月0.4%，12个月0.5%。 南都湾财社记者查询发现，2025年5月份宁波银行曾调整过定存金产品定存利率，彼时为活期0.2%，1 个月0.3%，3个月0.4%，6个月0.6%，12个月0.8%。 无独有偶，招商银行近日也表示，自北京时间2026年2月2日起，黄金账户活期及黄金账户定投按金额认 购的起点调整为1200元。 除了调整积存金业务利率和起购金额，还有银行增加了个人客户风险承受能力测评等 ...

平安银行表示，黄金价格的剧烈波动会影响到客户平安金积存业务持仓市值的变化，请客户务必关注市场行情，提高风险防范意识，合理评估自身风险承受 能力，理性投资。 1月27日，平安银行（000001）发布公告称，根据近期黄金市场变动情况，该行自2026年2月4日起调整平安金积存业务相关收益率，其中活期收益率调整为 0.01%、3个月期定存调整为0.2%、6个月期定存调整为0.4%、1年期定存调整为0.8%。2026年2月及以后的活期收益按照调整后最新收益率计算，定存收益按 照客户买入时的收益率计算。 ...

平安银行表示，黄金价格的剧烈波动会影响到客户平安金积存业务持仓市值的变化，请客户务必关注市场行情，提高风险防范意识，合理评估自身风险承受 能力，理性投资。 1月27日，平安银行（000001）发布公告称，由于近期国内金价波动较大，根据黄金积存业务相关监管规定，为顺应市场变化，该行将对该业务做如下调 整： 1、自2026年1月29日起，该行平安金积存业务按金额设定的定投计划起投金额由1100元上调至1200元。 2、调整前已设置成功的定投计划将继续执行，不受影响；新增和修改定投计划需满足该行最新定投设定金额要求。 该行后续将持续关注黄金市场变动情况，适时对上述起点金额及限额进行调整，具体调整情况将通过该行官方网站等渠道另行发布。 ...

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) will suspend certain "Ruyi Gold Accumulation" business applications starting November 3, 2025, due to macroeconomic policy impacts and risk management requirements [1][4]. Group 1: Business Suspension Details - ICBC will halt the acceptance of new accounts, proactive accumulation, new fixed accumulation plans, and requests for physical withdrawals for the "Ruyi Gold Accumulation" business starting November 3, 2025 [1][4]. - Existing customers with valid fixed accumulation plans will not be affected in terms of execution, redemption, or account closure [4]. Group 2: Recent Changes and Market Conditions - On October 11, ICBC announced an increase in the minimum investment amount for the "Ruyi Gold Accumulation" business from 850 yuan to 1000 yuan, while the minimum for accumulation by grams remains at 1 gram [4]. - The bank has advised investors to be aware of market fluctuations and to enhance risk awareness, suggesting that they consider their financial situation and risk tolerance when purchasing gold [6]. Group 3: Industry Trends - Several banks, including ICBC, Bank of China, Ping An Bank, and Industrial Bank, have raised the minimum investment thresholds for gold accumulation products since October [7][9]. - For instance, Bank of China increased its minimum purchase amount from 850 yuan to 950 yuan starting October 15, while Ping An Bank raised its minimum for fixed investment plans from 900 yuan to 1100 yuan [7][9]. - The banking sector is responding to rising gold prices and increased market volatility by adjusting thresholds and issuing risk warnings to better manage risks and protect consumer rights [9].

Core Viewpoint - Several banks have adjusted their gold accumulation businesses in response to recent macroeconomic policies and tax changes related to gold transactions, leading to temporary suspensions and subsequent restorations of certain services [1][17]. Group 1: Business Adjustments - On November 3, Industrial and Commercial Bank of China (ICBC) announced the suspension of its "Ruyi Gold Accumulation" business, which includes account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1][3]. - China Construction Bank (CCB) also announced similar suspensions on the same day, citing market volatility and risk management requirements [3][10]. - ICBC later restored its Ruyi Gold Accumulation services on the same evening, confirming that customers could resume various transactions through multiple channels [4][5]. Group 2: Tax Policy Changes - On November 1, the Ministry of Finance and the State Administration of Taxation released an announcement adjusting the value-added tax (VAT) policies related to gold transactions, which took effect on November 1 [1][17]. - The new tax policies specify that transactions involving standard gold at the Shanghai Gold Exchange and Shanghai Futures Exchange will be exempt from VAT under certain conditions, impacting how banks manage their gold accumulation services [17]. Group 3: Market Reactions - Following the announcement of tax policy changes, many banks, including ICBC and CCB, issued risk warnings regarding gold investments, advising customers to be cautious due to increased market volatility [16][18]. - As of now, ICBC's app indicates that physical Ruyi gold bars are temporarily out of stock, reflecting the impact of these adjustments on product availability [7][9]. Group 4: Customer Communication - Banks have been proactive in communicating changes to customers, with ICBC staff confirming the restoration of services and advising clients to stay informed about market fluctuations [5][6]. - Customer service representatives from various banks, including China Merchants Bank, have indicated that adjustments to gold bar prices now include tax costs, aligning with the new tax regulations [15].

Core Insights - Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced a suspension of new gold accumulation business on November 3, 2025, due to macroeconomic policy impacts and risk management requirements [1][2][4] - ICBC has since resumed its gold accumulation business, allowing customers to apply for various services through multiple channels [1][2] - CCB has not yet announced the resumption of its gold accumulation services as of the latest report [4] Summary by Category Business Operations - ICBC suspended its "Ruyi Gold" accumulation business, including account openings and new investment plans, effective November 3, 2025, but existing plans remain unaffected [2] - CCB similarly suspended its "Easy Gold" services, including real-time purchases and physical gold exchanges, while existing plans continue to operate [4] Market Trends - The gold accumulation business has seen increased investment thresholds this year, with ICBC raising its minimum investment from 650 RMB to 1000 RMB, a nearly 54% increase [6] - Other banks, such as Industrial Bank and Ping An Bank, have also raised their minimum investment amounts for gold accumulation services, indicating a trend of increasing barriers to entry in the market [6]

Core Points - Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) have suspended certain gold investment services due to macroeconomic policy impacts and risk management requirements [1][2] - Both banks will continue to support existing customers with ongoing investment plans and redemptions [1][2] Group 1: Service Suspension Details - ICBC has suspended the opening of new accounts, active accumulation, new fixed accumulation plans, and requests for physical gold extraction starting from today [1] - CCB has also suspended real-time purchases, new investment plans, and physical gold exchanges, effective from today [1] Group 2: Minimum Investment Adjustments - ICBC announced an increase in the minimum investment amount for its gold accumulation service from 850 yuan to 1000 yuan, effective October 13 [3] - Other banks, including Bank of China and Ping An Bank, have also raised their minimum investment thresholds for gold accumulation products in October [6][9] Group 3: Market Volatility and Risk Awareness - ICBC has advised investors to be aware of market changes and enhance risk prevention measures due to increasing market instability and significant fluctuations in gold prices [5] - Banks are implementing a combination of raising investment thresholds and issuing risk warnings to manage risks effectively while protecting consumer rights [9]

Core Viewpoint - The recent fluctuations in gold prices have prompted several major banks in China to adjust their gold accumulation business, primarily due to macroeconomic policies, market volatility, and internal risk management requirements [1][2]. Group 1: Bank Adjustments - On November 3, both Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced the suspension of certain gold accumulation services, effective immediately [2]. - ICBC's announcement included the suspension of new account openings, active accumulation, and new fixed accumulation plans for its "Ruyi Gold" service, while existing plans remain unaffected [2]. - CCB similarly suspended real-time purchases and exchanges for its "Easy Gold" service, while existing plans and redemptions will continue as normal [2][4]. Group 2: Market Context - Since October, multiple banks have adjusted their gold accumulation services, primarily by increasing the minimum purchase amounts or adopting a "floating price" model based on gold prices [3][4]. - For instance, on October 21, both Industrial Bank and Ping An Bank raised their minimum investment amounts for gold accumulation plans due to significant fluctuations in domestic gold prices [3]. - As of November 3, the London spot gold price was reported at $4016.805 per ounce, having increased over 53% year-to-date, with a peak of $4381 per ounce earlier in the year [4]. Group 3: Risk Management and Investor Education - The adjustments made by banks reflect a cautious approach to risk management in light of the volatile gold market, aligning with regulatory compliance requirements [4][5]. - Financial institutions are tightening business rules and enhancing investor risk education to mitigate the impact of high volatility in gold prices [5][6]. - Banks have issued multiple risk warnings to investors, advising them to be aware of market changes and manage their positions carefully [6][7].