Multiple banks make emergency adjustments

Bank代理上金所个人贵金属业务是指银行根据个人客户委托，在上海黄金交易所进行贵金属买卖、资金清算和实物交割等交易的业务。近日，面对金价高位波动，多家银行对此业务进行调整。

• Ping An Bank announced adjustments to its代理上金所个人贵金属交易业务, starting April 1st, gradually closing related business permissions and退出该业务 as情况允许；

• Postal Savings Bank of China announced that from February 11th to March 13th at 0:00, it will停止代理上金所个人贵金属业务；

• Industrial Bank also closed its代理上海黄金交易所个人贵金属买卖业务 via online banking channels on February 14th.

Industry experts analyze that since the beginning of this year, international gold prices have repeatedly hit record highs, but volatility has also significantly increased. For example, on January 30th, international gold prices dropped 11% in a single day, and factors such as trading hours and exchange rate fluctuations have further delayed and intensified the uncertainty of investor returns.

Nankai University Finance Professor Tian Lihui: Under extreme gold price fluctuations, leveraged T+D deferred trading is prone to margin calls, meaning investors could lose more than their margin. Although代理贵金属业务的佣金收入很薄, banks face high compliance pressures, operational costs, and reputational risks.

Industry insiders point out that, based on industry trends, it is highly likely that more banks will follow suit in tightening or shutting down related businesses. Investors are advised to closely monitor bank announcements and act promptly.

Lou Feipeng, researcher at China Postal Savings Bank: If gold is part of a long-term personal asset allocation, options include physical gold, gold savings, or gold ETFs. At the same time, investors should scientifically assess their risk tolerance and avoid using non-own funds for gold investments. Currently, gold prices have experienced a short-term rapid rise, with potential for price fluctuations or corrections, so investors should pay full attention to these risks.