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recently, the international gold price has been rising, and the popularity of the bank's gold accumulation business has continued to rise. china securities journal reporters noticed that some banks have made adjustments to the fixed investment rules for the gold accumulation business.

agricultural bank of china issued an announcement on its official website on september 18,the purchase starting point of the fixed-amount deposit jintong no. 2 will be adjusted to float with the gold price.

according to incomplete statistics, since the beginning of this year, many banks have issued announcements to raise the minimum purchase point for accumulated gold, and many banks have warned of the risks of precious metal trading.

agricultural bank of china adjusts the rules for fixed investment of accumulated funds

the agricultural bank of china stated in the announcement that in order to implement regulatory requirements and facilitate customers,the starting point for purchasing the bank's gold deposit pass no. 2, which is invested in a fixed amount, will be adjusted to float with the gold price (the gold deposit pass buying price during the closed market will refer to the most recent valid quotation), and the transaction increment unit will remain unchanged at 10 yuan.

when a customer applies for a fixed investment,the fixed investment amount must be greater than/equal to the real-time deposit gold pass no. 2 purchase price and meet the fixed investment transaction increment unit requirements (integer multiples of 10).for example: the purchase price of cunjintong no. 2 during fixed investment is 565 yuan/gram, and the incremental unit of fixed investment transaction is 10 yuan, then the minimum amount that can be applied for fixed investment is 570 yuan.

according to the reporter,agricultural bank of chinadeposit fund no. 2 is the deposit fund serviceafter customers open a corresponding account in a bank, they can purchase gold products of a certain weight or amount through active accumulation or regular accumulation. after the expiration of the accumulated gold, the accumulated gold can be sold or exchanged for physical gold.

"we received a notice of this business adjustment last night. it may be due to the recent rise in gold prices, and the bank made adjustments based on market conditions." a wealth management manager at an agricultural bank of china branch in beijing told reporters that the adjustment will take effect after the end of the trading day on september 19, which means that newly signed fixed investment contracts by customers will be executed in accordance with the new regulations. fixed investment contracts that have already taken effect before the adjustment will not be affected.

it is worth noting that this is not the first time that the agricultural bank of china has made adjustments to the relevant rules for the deposit investment. on march 22, the agricultural bank of china issued an announcement that the starting point for the purchase of the deposit fund no. 2 will be adjusted to 550 yuan; on april 9, the agricultural bank of china announced that the starting point for the purchase of the deposit fund no. 2 will be adjusted to 600 yuan.

also,since the beginning of this year, many banks including icbc, bank of china and china construction bank have raised their minimum purchase thresholds for accumulated funds.。

international gold prices hit new highs

recently, gold prices have continued to rise and hit record highs. spot gold once touched the $2,600/ounce mark, and comex gold once rose to $2,627.2/ounce.

industry insiders believe that the recent record highs in international gold prices may be related to the fed's expectations of interest rate cuts and their implementation. in the early morning of september 19, beijing time, the fed announced its first interest rate cut since 2020. zhai kun, a non-ferrous metals industry analyst at debon securities, said that judging from the historical performance of gold prices, gold prices tend to rise during interest rate cut cycles. gold prices may consolidate at $2,600 per ounce in the short term, and are expected to enter a new upward phase driven by the interest rate cut process.

industry insiders have pointed out that gold, as a precious metal investment product, has certain value preservation and appreciation properties, but its price is affected by many factors and fluctuates greatly, which carries certain investment risks. investors need to consider their personal risk tolerance and personal investment philosophy, act within their means, and invest prudently.

since the beginning of this year, a number of banks have issued risk warning announcements for precious metals trading, reminding customers to raise their awareness of risk prevention, reasonably control their positions, pay close attention to changes in positions and margin balances, and invest rationally.