对于后市展望，世界黄金协会在最新发布的报告中预计，在2025年表现亮眼的基础上，2026年黄金价格 可能还有15%至30%的上涨空间。星展银行（中国）高级投资策略师邓志坚表示，黄金价格中长期上涨 趋势明确，投资者应秉持中长期配置理念，重点关注央行增持动态、美元汇率走势及全球风险事件等核 心变量。 在国内市场，国际金价上涨迅速传导至消费端。1月12日，周生生、老庙黄金等品牌的足金饰品零售价 已上调至每克1429元附近，单日涨幅近20元。部分品牌的一口价产品也传出即将调价的消息。 随着金价持续高位运行，金融机构对相关业务的风险管理也趋于审慎。工商银行近期发布公告，自1月 12日起，个人客户办理积存金业务的开户、主动积存或新增定投计划，需取得C3-平衡型及以上的风险 评估结果，较此前要求的C1-保守型有所提升。此举旨在市场波动加剧的背景下，进一步强化投资者适 当性管理。 2026年1月12日亚洲早盘时段，国际贵金属市场迎来历史性突破。现货黄金价格盘中首次站上每盎司 4600美元关口，刷新历史最高纪录。同一时段，现货白银价格同步大幅上扬，盘中涨幅一度超过5%， 同样创下历史新高。 市场分析认为，多重因素共同促成了本轮 ...

□ 南京日报/紫金山新闻记者 曹丽珍 "鉴于近期影响市场不稳定的因素较多，为进一步保护个人投资者权益，我行将对个人客户积存金业务 风险承受能力等级进行调整……"1月5日，中国工商银行在其官网发布与积存金业务相关的调整公告。 相关业内人士对此表示，工行此举与新年黄金市场的强劲开局有关，不排除后续还有银行跟进调整。 聚焦：开年首个交易日，上调 在工行5日发布的这份《关于个人客户积存金业务调整风险测评等级准入要求的公告》中明确，自2026 年1月12日起，个人客户在该行办理积存金业务开户、主动积存或新增定投计划（即"定期积存计 划"），需通过工行营业网点、网上银行或工行手机银行App等渠道，按该行统一的风险测评问卷进行 风险承受能力评估，取得C3—平衡型及以上的评估结果（已有前述评估结果且在有效期内的不用重 测）并签订积存金风险揭示书（已签署风险揭示书的不用重签）。 该公告同时强调，已开立积存金账户的个人客户办理积存金赎回与兑换，有效期内定投计划执行、修改 和终止，积存金账户注销等操作，不受前述条件限制。 记者从相关渠道获悉，在此次调整前，个人客户在工行的风险承受能力评估中取得C1—保守型及以上 评估结果，签订积存 ...

Group 1 - The core point of the article is that Industrial and Commercial Bank of China (ICBC) has announced an increase in the risk assessment level for personal customers' accumulation gold business, raising the threshold to C3-balanced type and above, marking it as the first state-owned bank to do so this year [1][2][3] - Starting from January 12, 2026, personal customers must achieve a C3-balanced type risk assessment result to engage in accumulation gold business, which includes account opening, active accumulation, or new investment plans [2][3] - The adjustment by ICBC is expected to have a demonstration effect, prompting more banks to follow suit in raising risk assessment levels for accumulation gold business, especially given the ongoing volatility in gold prices [3] Group 2 - Analysts remain optimistic about the potential for gold prices to rise, with forecasts suggesting an average price of $4,538 per ounce in 2026, and a possibility of reaching $5,000 in an optimistic scenario [4][5] - Several institutions, including UBS and Goldman Sachs, predict that gold prices will continue to perform well, with UBS forecasting a price of $5,000 per ounce by September 2026, and Goldman Sachs suggesting a rise to $4,900 by December 2026 [5]

新年伊始，国有大行率先对黄金业务进行调整。 "鉴于近期影响市场不稳定的因素较多，为进一步保护个人投资者权益，我行将对个人客户积存金业务风险承受能力等级进行调整。"1月5日，工商银行 （601398）发布了关于个人客户积存金业务调整风险测评等级准入要求的公告。 根据公告内容，自2026年1月12日起，个人客户办理积存金业务的开户、主动积存或新增定投计划（即"定期积存计划"）的，需通过工商银行营业网点、 网上银行或中国工商银行APP等渠道，按该行统一的风险测评问卷进行风险承受能力评估、取得C3-平衡型及以上的评估结果（已有前述评估结果且在有 效期内的无需重测）并签订积存金风险揭示书（已签署风险揭示书的无需重签）。 值得关注的是，除风险评级准入门槛上调外，积存金业务的起购门槛也在持续抬升。自2025年以来，工行、中行、建行、兴业银行等多家银行已多次上调 积存金业务的起购金额，不少银行已将"门槛"提高至千元大关。 在业内人士看来，银行密集收紧积存金业务，与近期金价的持续走高密切相关。《金融时报》记者注意到，在2025年金价上涨的基础上，2026年以来国际 金价延续稳步上行态势。1月5日，现货黄金再次突破4400美元/ ...

1月5日，工商银行发布关于个人客户积存金业务调整风险测评等级准入要求的公告，鉴于近期影响市场不稳定的因素较多，为进一步保护个人投资者权益， 该行将对个人客户积存金业务风险承受能力等级进行调整。具体如下： 自北京时间2026年1月12日起，个人客户办理积存金业务的开户、主动积存或新增定投计划（即"定期积存计划"）的，需通过工商银行营业网点、网上银行 或中国工商银行APP等渠道，按工商银行统一的风险测评问卷进行风险承受能力评估、取得C3-平衡型及以上的评估结果（已有前述评估结果且在有效期内 的无需重测）并签订积存金风险揭示书（已签署风险揭示书的无需重签）。 已开立积存金账户的个人客户办理积存金的赎回与兑换，有效期内定投计划的执行、修改和终止，积存金账户的注销等操作的，不受前述条件的限制。 工商银行同时建议客户提高风险防范意识，基于自身财务状况和风险承受能力理性办理积存金业务。 （工商银行） ...

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced adjustments to the risk assessment requirements for personal clients engaging in accumulation gold business, aiming to enhance the protection of individual investors' rights amid recent market instability [1] Summary by Categories Risk Assessment Changes - Starting from January 12, 2026, personal clients must complete a risk assessment questionnaire through ICBC's various channels and achieve a C3-balanced rating or higher to engage in accumulation gold business [1] - Previously, clients were required to obtain a C1-conservative rating or higher to participate in the accumulation gold business [1] Client Operations - Existing clients with accumulation gold accounts can perform operations such as redemption, exchange, and modification of investment plans without being subject to the new risk assessment requirements [1] - Clients who have already signed the risk disclosure document are not required to re-sign it [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adjusting the risk assessment requirements for personal clients' accumulation fund business to enhance the protection of individual investors' rights in response to recent market instability. The new regulations will take effect on January 12, 2026 [1] Group 1: New Regulations - Starting from January 12, 2026, personal clients must complete a unified risk assessment questionnaire through various channels to open accumulation fund accounts or initiate new investment plans [1] - Clients are required to achieve a C3 - balanced assessment result or higher to proceed with these transactions [1] - Existing clients with valid assessment results do not need to retake the assessment, and those who have signed the risk disclosure document for accumulation funds are also exempt from re-signing [1] Group 2: Existing Clients - Clients who already have accumulation fund accounts will not be restricted by the new entry requirements when performing operations such as redemption, exchange, execution, modification, termination of investment plans within the validity period, and account cancellation [1]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) is adjusting the risk assessment requirements for personal clients' accumulation gold business to enhance the protection of individual investors' rights due to recent market instability factors [1][2]. Summary by Relevant Sections - **Risk Assessment Adjustment**: Starting from January 12, 2026, personal clients wishing to open accounts, actively accumulate, or initiate new investment plans in the accumulation gold business must complete a risk assessment questionnaire through ICBC's branches, online banking, or the ICBC app, achieving a C3-balanced level or above [1][2]. - **Exemptions for Existing Clients**: Clients who already have a valid risk assessment result do not need to retake the assessment. Additionally, those who have signed a risk disclosure statement do not need to sign again [1][2]. - **Operational Flexibility for Existing Accounts**: Existing clients with accumulation gold accounts can redeem, exchange, execute, modify, or terminate their investment plans, and close their accounts without being subject to the new assessment requirements [1][2].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has announced new requirements for personal customers engaging in accumulation gold business starting January 12, 2026, which includes a risk assessment and signing a risk disclosure agreement [1] Group 1: New Requirements - Personal customers must complete a risk tolerance assessment through designated channels to engage in accumulation gold business [1] - Customers need to achieve a C3-balanced rating or above in the risk assessment to proceed with new accumulation plans [1] - Existing customers with valid risk assessment results do not need to retake the assessment [1] Group 2: Existing Customers - Current customers can redeem and exchange accumulation gold without being subject to the new requirements [1] - The execution, modification, and termination of existing accumulation plans are not affected by the new conditions [1] - Account cancellation for existing accumulation gold accounts is also exempt from the new requirements [1]

Core Viewpoint - The article discusses the tightening of banks' precious metals business, particularly in response to rising gold prices and increased risk management measures [3][10]. Group 1: Price Trends - London gold spot prices recently peaked at $4,350 per ounce, nearing the historical high of $4,381 per ounce [3]. - Since the beginning of 2025, gold prices have surged approximately 65% due to geopolitical conflicts and expectations of interest rate cuts by the Federal Reserve [10]. - Silver and platinum have experienced even greater price increases, with silver reaching $66.8 per ounce (up 128% year-to-date) and platinum futures surpassing $1,995 per ounce (up 118% year-to-date) [10][11]. Group 2: Bank Policy Changes - Banks are increasingly tightening their precious metals business, including the closure of long-standing inactive accounts and restrictions on new account openings [6][9]. - Major banks like Industrial and Commercial Bank of China and China Construction Bank have announced the closure of accounts with no positions, inventory, or debts, effective December 19 [6]. - The tightening measures began in March 2020 following the "oil treasure" incident, leading to a gradual withdrawal from leveraged products and stricter risk management protocols [9]. Group 3: Risk Management - Banks are enhancing risk management in their precious metals business by raising the risk ratings of certain products and increasing the minimum investment amounts [9]. - The adjustments also include a higher threshold for customer risk tolerance assessments, particularly for accumulation gold products, which will see changes implemented by the end of 2024 [7].