格隆汇10月30日丨中国黄金(600916.SH)发布2025年三季报，公司第三季度营业收入146.66亿元，同比增 长28.43%；归母净利润1608.85万元，同比下降89.37%。前三季度营业收入457.64亿元，同比下降 1.74%；归母净利润3.35亿元，同比下降55.08%。业绩变动的主要原因是公司黄金租赁业务形成的存货 （历史成本）和交易性金融负债（公允价值）存在计量方式差异，在金价快速上涨会计期间对利润表的 影响不同步。 ...

Core Insights - The article highlights the significant growth in precious metals business among several banks, particularly city commercial banks, with Nanjing Bank's precious metals scale increasing nearly 120 times compared to the beginning of the year [1][2]. Group 1: Growth in Precious Metals Business - Nanjing Bank's precious metals scale surged from 0.599 billion yuan at the end of 2024 to 73.94 billion yuan by June 30, 2025, marking an increase of over 12,235% [1][2]. - As of September 30, 2025, Nanjing Bank's precious metals scale slightly adjusted to 72.01 billion yuan, still reflecting a year-on-year growth of 11,914.36% [2]. - Ningbo Bank also experienced robust growth, with its precious metals scale reaching 176.46 billion yuan by the end of Q3, a 127.51% increase from the beginning of the year [2][3]. Group 2: Business Strategies and Innovations - Nanjing Bank has developed a dual model for its precious metals business, focusing on both proprietary and client services, enhancing its service offerings in the gold accumulation business [3][4]. - The bank launched a personal gold accumulation business in August 2024, promoting it through online channels and offering incentives such as discounts on transaction fees [4][6]. - Nanjing Bank introduced flexible investment options, allowing customers to start with as little as 1 gram for current accounts and 2 grams for fixed accounts, with varying interest rates based on the term [6]. Group 3: Market Trends and Future Outlook - The article notes that the demand for precious metals is expected to continue growing due to global uncertainties, with banks likely to deepen their strategic focus on this sector [4][8]. - Analysts suggest that the rising demand for gold as a safe-haven asset is reflected in the increased sales of gold bars and coins, indicating a shift in consumer behavior towards investment-grade precious metals [8]. - Some banks are adjusting their business thresholds in response to rising gold prices, with Ningbo Bank increasing the minimum purchase amount for gold accumulation from 900 yuan to 1,000 yuan [8].

9月17日，深圳金融监管局发布的行政处罚信息公开表显示，中国银行深圳市分行因贷款业务、黄金租 赁业务、票据业务管理不到位，报表数据管理不审慎，被罚款295万元。 | 序号 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决定 | | --- | --- | --- | --- | --- | | | | | 对机构罚款295万 | 机关 | | 1 | 中国银行深圳 | 贷款业务、黄金租 | 元,对黄以诚给 予警告并处罚款6 | | | | | 赁业务、票据业务 | 万元,对黄俊给 | 深圳金融 | | | 市分行及相关 | | | | | | | 管理不到位,报表 | 予警告并处罚款5 | 监管局 | | | 责任人 | 数据管理不审慎。 | 万元,对于立 | | | | | | 宇、吴昊、林志 | | | | | | 刚罚款5万元。 | | 因上述违法违规行为，黄以诚被给予警告并处罚款6万元，黄俊被给予警告并处罚款5万元，王立宇、吴 昊、林志刚被罚款5万元。 中国银行深圳市分行此前多次违规被罚。2022年8月，原银保监局披露了关于中国银行深圳市分行的13 张罚单，中国银行深圳市分行存在12 ...

| 序号 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决定 | | --- | --- | --- | --- | --- | | | | | | 机关 | | 1 | 中国银行深圳 市分行及相关 | 贷款业务、黄金租 | 予警告并处罚款6 | | | | | | 对机构罚款295万 元,对黄以诚给 | | | | | 赁业务、票据业务 | 万元,对黄俊给 | 深圳金融 | | | 责任人 | 管理不到位,报表 | 予警告并处罚款5 | 监管局 | | | | 数据管理不审慎。 | 万元,对于立 | | | | | | 宇、吴昊、林志 | | | | | | 刚罚款5万元c | | 罚单显示，中国银行深圳市分行因"贷款业务、黄金租赁业务、票据业务管理不到位，报表数据管理不 审慎"等违法违规行为，被处罚款295万元。多名相关责任人也吃到罚单。其中，对黄以诚给予警告并处 罚款6万元，对黄俊给予警告并处罚款5万元，对王立宇、吴昊、林志刚罚款5万元。总体罚款金额超过 300万元。 南都湾财社记者留意到，因黄金租赁业务管理不到位的处罚并不多见。业内人士介绍，黄金租赁业务是 银行向企业提供以黄金为媒介 ...

北京商报讯（记者 孟凡霞 实习记者 周义力）9月17日，深圳金融监管局行政处罚信息公示表显示，中 国银行深圳市分行因"贷款业务、黄金租赁业务、票据业务管理不到位，报表数据管理不审慎"等违法违 规行为，被处罚款295万元；对相关责任人黄以诚给予警告并处罚款6万元，对黄俊给予警告并处罚款5 万元，对王立宇、吴昊、林志刚罚款5万元。 ...

Core Viewpoint - The trend of "renting three gold items" for weddings is gaining popularity among young people in China, particularly among the post-95 and post-00 generations, as they prioritize practicality and financial flexibility over traditional ownership of gold jewelry [6][11][30]. Group 1: Popularity of Renting Three Gold Items - The rental business for gold has seen a significant increase, with a 210% year-on-year surge in orders as of May this year [3]. - In major cities like Hangzhou and Shenzhen, rental inquiries have surged by 200%, indicating a strong demand for this "light asset model" among budget-conscious young couples [3][4]. - The shift from purchasing gold to renting reflects a broader change in wedding spending habits, with many young couples opting for rentals to save money for more practical investments like travel or housing [8][10]. Group 2: Generational Attitudes - The younger generation is moving away from the traditional view that gold symbolizes wealth and status, instead favoring a more pragmatic approach to wedding expenses [8][11]. - Data shows that over 70% of rental users during the May Day holiday were born after 1995, and among the post-00 generation, one in three couples chose to rent gold items [7][11]. - This generational shift is also evident in social media discussions, where opinions are divided, but many support the idea of renting as a practical choice [12][16]. Group 3: Economic Factors Influencing Choices - Rising gold prices have made purchasing gold jewelry increasingly unaffordable, with costs potentially exceeding 200,000 yuan for three gold items [21][22]. - The volatility of gold prices has also deterred young couples from making large purchases, as they fear financial losses due to market fluctuations [24][27]. - Young consumers are increasingly investing their savings in financial markets rather than in gold, with significant inflows into gold ETFs and other investment products [28][29]. Group 4: Business Opportunities Arising from the Trend - Businesses are capitalizing on the rental trend, with average rental prices around 1,500 yuan for three days, and some offering "rent-to-own" options that allow customers to purchase the items later at a reduced price [30][31]. - Jewelry brands are responding by creating lighter, more affordable gold items, while rental platforms are generating stable cash flow through deposits and service fees [31][33]. - The rental trend is expanding beyond gold items, with increases in "renting for weddings" across various sectors, including housing and transportation [34][36].