11月3日，工商银行（601398）与建设银行（601939）同日宣布自当日起暂停受理黄金积存相关的新业务。截至记者发稿前，工商银行已经恢复如意金积 存业务申请的受理。 "我行现已恢复受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请。"工商银行刚刚发布的公告显示，"您可通过我行营业网 点、中国工商银行APP等渠道办理各类如意金积存业务。同时，建议您关注黄金市场波动，提高风险防范意识，守护自身资产安全。" 记者注意到，11月3日早些时候，工商银行发布公告称，受宏观政策影响，根据该行风险管理要求，自2025年11月3日起，暂停受理如意金积存业务的开 户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。不到一天时间，工 行相关业务已恢复正常。 同日，建设银行也发布公告表示，自2025年11月3日（含）起，建行暂停受理易存金业务实时买入、新增定投买入、实物金兑换等申请，存量客户易存金 定投计划的执行、赎回以及销户不受影响；暂停个人黄金积存兑换实物贵金属、账户黄金兑换实物贵金属等申请，其他个人黄金积存业务不受影响。截至 记者发稿前， ...

Price Adjustments in the Jewelry Industry - Recently, major jewelry brands, including Chow Tai Fook, have announced price increases for their gold jewelry products, with some items seeing price hikes of up to 33% [1][4] - Chow Tai Fook plans to adjust its "fixed price" gold jewelry prices by 12% to 18% by the end of October, with specific items like a necklace increasing from 16,800 yuan to 21,800 yuan, a rise of 29.76% [2] - The price of certain gold jewelry items has surpassed 3,000 yuan per gram, indicating a significant increase in the cost of high-end gold products [4] Market Trends and Gold Prices - Despite the rising prices of gold jewelry, the international gold price has been fluctuating downwards, recently falling below 4,000 USD per ounce [1][4] - As of the latest data, the spot gold price is reported at 3,982.36 USD, reflecting a decrease of 2.03% [1] - In response to the changing market conditions, several banks have begun to adjust their gold investment product rules, urging customers to be cautious and manage their positions effectively [4][6] Bank Policy Changes - On October 21, Industrial Bank announced an increase in the minimum purchase amount for gold savings products from 1,000 yuan to 1,200 yuan [6] - Ping An Bank also plans to raise the minimum investment amount for its gold accumulation business from 900 yuan to 1,100 yuan starting October 24, 2025 [7] - Additionally, the Bank of Communications will adjust its gold accumulation plan to require a minimum investment based on real-time gold prices, effective October 27, 2025 [7]

Core Viewpoint - The recent surge in international gold prices, which exceeded $4,170 per ounce, has prompted banks to issue risk warnings and adjust their precious metals business to mitigate potential risks associated with market volatility [1][4][12]. Summary by Relevant Sections Market Conditions - International gold prices have shown significant volatility, reaching a peak of $4,179 per ounce before retreating to $4,110 per ounce as of October 14 [12]. - The price of gold has increased by 53% year-to-date, indicating a rare historical trend [14]. Bank Responses - Major banks, including China Construction Bank and Industrial and Commercial Bank of China, have issued risk warnings regarding the instability of the precious metals market and have advised investors to manage their exposure [1][4]. - Banks have raised the minimum investment amounts for gold accumulation products, with ICBC increasing the threshold from 850 yuan to 1,000 yuan [4][7]. - Other banks, such as China Bank and Agricultural Bank, have also adjusted margin requirements and trading limits for gold and silver contracts to enhance risk management [10][11]. Industry Analysis - Analysts suggest that the banks' measures aim to filter out investors with lower risk tolerance and prevent irrational speculation in a volatile market [4][11]. - The adjustments in bank policies reflect a proactive approach to managing investor suitability and stabilizing market operations amid high price fluctuations [7][11]. Future Outlook - Market experts predict that gold prices will experience a period of oscillation, with $4,000 per ounce serving as a key support level [14]. - Investors are advised to adopt a diversified asset allocation strategy and maintain a cautious approach to avoid excessive concentration in gold investments [15].