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As gold prices experience significant volatility, several major state-owned banks, including Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China (ABC), Bank of China (BOC), China Construction Bank (CCB), and Bank of Communications (BoCom), have successively adjusted their gold accumulation businesses and issued risk warnings.
ICBC has adjusted its gold accumulation business and issued a risk warning. On February 1, ICBC announced that due to the recent violent fluctuations in domestic and international precious metal prices, market uncertainty has significantly increased. The bank advises investors to maintain a rational investment mentality based on a prudent assessment of their own risk tolerance and to avoid blindly chasing rallies or selling in panic. It suggests considering investments from a medium- to long-term perspective, adhering to principles of batch diversification and moderate balance for investment allocation. Investors are urged to closely monitor market changes, reasonably control their position sizes, and effectively guard against market volatility risks.
Furthermore, ICBC issued an announcement on January 30 adjusting the operational rules for its "Ruyi Gold Accumulation" product and revising the agreement text. Starting February 7, on weekends and legal holidays when the Shanghai Gold Exchange is closed, the bank will implement quota management for the Ruyi Gold Accumulation business. Quota types include the total daily accumulation/redemption limit for all clients or a single client, the single transaction accumulation or redemption total limit, among others, which will be dynamically set; physical gold withdrawals are unaffected.
Additionally, the minimum purchase amount for ICBC's Gold Accumulation product was raised from 1,000 yuan to 1,100 yuan starting January 8. Simultaneously, beginning January 12, only personal clients with a risk rating of C3 (Balanced) or above are eligible to conduct Gold Accumulation business.
CCB raised the minimum purchase amount for its gold accumulation product and issued a risk warning. On January 30, CCB announced that starting from 9:10 on February 2, the minimum periodic accumulation amount for personal gold accumulation business (including average daily accumulation and optional daily accumulation) would be increased to 1,500 yuan. The bank stated it would continue to monitor changes in the gold market and adjust the minimum amount accordingly in the future.
CCB also indicated that recent domestic and international precious metal price fluctuations have intensified, elevating market risks. Clients are advised to enhance their awareness of risks associated with precious metal businesses and invest rationally based on their own financial situation and risk tolerance. When investing in precious metals, clients should reasonably control their positions, promptly monitor changes in their holdings and margin balances, and guard against risks in the precious metals market.
BoCom adjusted its precious metals-related businesses and issued a risk warning. Bank of Communications issued an announcement on January 29 stating that, effective January 31, for personal clients who have already signed up for the "Precious Metals Wallet," only those with a current valid risk tolerance assessment result of "Growth," "Aggressive," or "High-Risk" can conduct all businesses under the Precious Metals Wallet. If the assessment result is "Conservative," "Cautious," or "Balanced," clients can only conduct real-time selling, exchange for physical precious metals, terminate accumulation plans, or cancel the agreement; the execution of valid accumulation plans is not restricted by the risk tolerance assessment result.
Furthermore, starting January 31, personal clients with a current valid risk assessment result of "Balanced," "Growth," "Aggressive," or "High-Risk" are eligible to purchase the "Wode Jinshengjin" product.
Previously, on December 31 of last year, BoCom had also issued a risk warning, advising investors to pay attention to market changes, enhance their awareness of risks in precious metal businesses, promptly monitor changes in their holdings and margin balances, and reasonably allocate the scale of their precious metal assets.
ABC adjusted its gold accumulation business and issued a risk warning. On January 26, ABC announced that, starting January 30, when personal clients apply to sign up for, purchase, or set up fixed investments for the "Cunjintong" Gold Accumulation business (including Cunjintong No. 1 and No. 2), they must undergo a risk tolerance assessment using the bank's unified risk assessment questionnaire through the application channel and obtain a result of "Cautious" or above.
ABC also recommended that investors enhance their risk prevention awareness and conduct Cunjintong Gold Accumulation business rationally based on their own financial situation and risk tolerance.
BOC issued a risk warning. On January 30, Bank of China stated that since 2026, numerous factors have contributed to uncertainty in the precious metals market, leading to substantial price fluctuations. To protect the interests of clients involved in precious metals-related businesses such as Gold Accumulation, Profit Accumulation Gold, and Precious Metals Accounts, the bank specifically reminds clients to take precautions against market risks, engage in precious metals trading activities based on their financial situation and risk tolerance, reasonably control the size of their precious metals holdings, and guard against the risk of capital loss due to precious metals price volatility.
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