近日国际金价几乎涨回前高，银行进一步收紧账户贵金属业务。 本周，伦敦黄金现货价格最高触及4350美元/盎司，距离此前历史高位4381美元/盎司仅一步之遥。多家 银行纷纷发布通知，将对上海黄金交易所个人贵金属业务中的长期不动存量账户实施代理关系解除。 第一财经发现，近年来银行已在逐步关停该类产品新增账户。在此之前，账户贵金属产品不能新开户， 存量客户也只能平仓，不能新增。此次则是进一步管理存量账户，加强有杠杆属性的账户贵金属投资产 品风险管理。 下半年以来，建设银行、中信银行、兴业银行、宁波银行等已发布公告，清理代理上金所个人贵金属交 易业务中的长期不动户，或是停办代理上金所个人贵金属业务。 据银行客服人员称，此次调整主要可能涉及实物贵金属递延等服务，不包括积存金业务。 不过，积存金类产品也于2024年底实施相关风险等级调整，对持仓客户风险承受能力提出了更高要求。 多家银行将积存金产品的风险评级调高至中等风险，并规定保守型客户不得参与。 银行贵金属业务从收紧到清退 据记者不完全统计，银行收紧贵金属业务的一系列动作最早可追溯至2020年3月，在"原油宝"事件后， 银行就开始逐步收紧甚至清退有杠杆属性的产品。 "从 ...

| 人民中账户更金 | | | 人民市账户日银 | | | | --- | --- | --- | --- | --- | --- | | 中间价 | 774.43 | 银行买入价 774.18 | 中间价 | 8.492 | 银行买入价 8.482 | | 涨跌(元) | 88T- f | 银行卖出价 774.68 | 涨跌(元) | 4 -0.062 | 8.502 银行卖出价 | | 人民币账户铂金 | | | 人民币账户锂金 | | | | 中间价 | 301.32 | 银行买入价 299.76 | 中间价 | 275.71 | 银行买入价 271.75 | | 涨跌(元) 36 | ↓ -2.88 | 银行卖出价 302.88 | 涨跌(元) | $ -4.11 | 银行卖出价 281.92 | 金十图示：2025年08月04日（周一）中国工商银行账户贵金属行情 ...

金十图示：2025年07月07日（周一）中国工商银行账户贵金属行情 ...

金十图示：2025年06月30日（周一）中国工商银行账户贵金属行情 ...

金十图示：2025年06月23日（周一）中国工商银行账户贵金属行情 ...

Group 1 - The article provides an overview of the precious metals market as of June 2, 2025, specifically focusing on the account of the Industrial and Commercial Bank of China [1] Group 2 - The report highlights the current pricing trends and fluctuations in precious metals, indicating potential investment opportunities for stakeholders in the financial sector [1]

Group 1 - The article provides an overview of the precious metals market as of May 5, 2025, specifically focusing on the account of the Industrial and Commercial Bank of China [1] Group 2 - The report highlights the current pricing trends and fluctuations in precious metals, indicating potential investment opportunities [1]

Core Insights - The global economy in 2025 is expected to experience volatility due to geopolitical conflicts, anticipated interest rate cuts by the Federal Reserve, and inflationary pressures, leading to a historic high in spot gold prices. Central bank gold purchases, increased demand for safe-haven assets, and innovations in financial instruments like gold ETFs are driving gold as a core asset for investors against risks [1] Group 1: Main Channels for Domestic Gold Investment - Online trading platforms allow electronic trading with 24-hour access, supporting standard contracts like London gold and silver, with low entry thresholds suitable for various investor scales [3] - Banks offer gold-related products such as physical gold bars or paper gold, suitable for long-term holders, with attention to fee differences like buyback fees ranging from 0.5% to 1% [4] - Physical gold shops and exchanges, such as Chow Tai Fook, facilitate the buying and selling of physical gold, but come with high processing fees (30-200 yuan per gram) and potential markdowns during liquidation [5] Group 2: Core Standards for Choosing Compliant Platforms - Regulatory qualifications are essential, with platforms needing to hold AA-class member status from the Hong Kong Gold Exchange, ensuring funds are stored in third-party banks and transactions are regulated by Hong Kong law [6] - Transaction costs and transparency are critical, with a preference for platforms with low spreads (e.g., $0.34 per ounce) and no hidden fees, ensuring all costs are publicly disclosed [7] - Technical stability and tool support are necessary, with platforms supporting MT4/MT5 systems to ensure order execution speed under 0.1 seconds during extreme market conditions, along with AI strategy suggestions and financial calendars [8] Group 3: Practical Strategies for Gold Investment - Opening an account and verification involve selecting a compliant platform, completing real-name authentication, and activating the account to receive potential new customer bonuses (up to $30,000) [12] - Utilizing a demo account to familiarize with trading rules and test technical indicators (e.g., MACD, Bollinger Bands) helps avoid blind operations during real trading [13] - For real trading, short-term strategies should focus on Federal Reserve policies and geopolitical events, while long-term strategies recommend allocating 5%-15% of household assets to gold for inflation and systemic risk hedging [14][15] Group 4: Common Pitfalls and Counter Strategies - Avoiding blind chasing of price spikes is crucial, as historical data shows that gold prices often retreat after short-term surges (e.g., a 0.4% drop in Q4 2024) [16] - Distinguishing between investment and consumption is important, as gold jewelry incurs high processing fees and is not suitable for investment; standardized contracts or physical gold bars should be prioritized [16] - Ensuring platform compliance is vital to avoid unqualified platforms promising high returns, with a focus on fund safety over short-term profits [16] Conclusion - The gold market in 2025 presents both opportunities and risks. Investors should rely on compliant platforms, employ scientific strategies, and maintain strict risk controls to achieve stable value growth amidst volatility. Whether engaging in short-term trading or long-term holding, gold's role as a ultimate safe-haven asset will add certainty to asset portfolios in uncertain times [18]

金十图示：2025年04月14日（周一）中国工商银行账户贵金属行情 ...