Many banks adjust the gold fixed investment business experts say it is conducive to protecting the interests of investors

Reporter Peng Yan

Recently, a number of banks such as Bank of Communications and Guangfa Bank have successively adjusted the gold -fixed investment business, and changed the quotation method, redemption time, and fixed investment method of the upgraded business.

In addition, since this year, many banks have successively tightened their personal precious metal business and an account precious metal business, including paper gold. In this context, how should investors respond to the tightening of the precious metal investment channel?

CITIC Securities Chief Economist clearly told the Securities Daily that recently banks have actively adjusted the gold fixed investment business, on the one hand, because of the new precious metal business launched by some banks, the original gold fixed investment business has low attractive attractiveness; another As for the recent turbulence of international politics and economic environment, the price of gold has frequently fluctuated, and the risk of precious metal business has increased. The adjustment method and the adjustment of the time -to -account time make the bank's gold fixed investment business more market -oriented, which is conducive to attracting more customers to participate. After adjustment, investors can more accurately grasp market fluctuations and make reasonable strategic judgments to better protect their own interests.

Multiple banks

Adjust the gold fixed investment business

Recently, Guangfa Bank and Bank of Communications have successively adjusted the gold -fixed investment business. Among them, Guangfa Bank upgraded gold -fixed investment to gold accumulation, and the Bank of Communications migrated gold -fixed investment to precious metal wallets. Compared with changes before and after the upgrade, the transaction prices and redemption timing of the relevant businesses of Guangfa Bank and Bank of Communications have changed.

具体来看，广发银行近日发布公告称，黄金定投升级为黄金积存后，交易价格由调整前的每日一价变更为每日多价，赎回资金则由T或T+2到账变为In real time, there is no direct transaction fee, and the extraction of the real object has also been changed from the previous withdrawal of gold bars to the exchange of bank investment.

The reporter noticed that the above -mentioned business investors of Guangfa Bank could upgrade independently. Before September 30, 2022, investors can self -handle the golden fixed investment business "one -click upgrade" or "one -click settlement" through personal online banking and mobile banking APP. In addition, the above businesses can also be upgraded automatically. From October 11, 2022, the gold fixed investment business will be fully upgraded to the golden accumulation business. If investors need to sell gold fixed investment or withdrawn or extract the standard gold bars of the Shanghai Gold Exchange, they need to be handled before September 30, 2022.

In addition, after the successful upgrade of the gold fixed investment, investors can enter the golden accumulation business page through personal online banking, mobile banking APP, discovering wonderful APP channels, and transactions such as real -time buying and selling, setting a fixed investment plan, and depository. The service for the collection of standard gold on the Shanghai Gold Exchange is also changed to a service for exchanges for real money. For the original gold fixed investment business, from November 30, 2022, Guangfa Bank will stop providing gold -fixed investment services.

Earlier, the Bank of Communications also issued an announcement that the gold fixed investment was upgraded to precious metal wallets. The adjusted transaction quotes also changed from one -day price to multiple prices daily, and the redemption funds changed from T+2 to accounts to real -time accounts. In addition, the Bank of Communications also restricts the upper limit of a single set amount of precious metal wallets. The upper limit of the fixed investment amount is 20 million yuan. The previous gold fixed investment was unlimited.

In the announcement, the Bank of Communications mentioned that with the launch of the bank's precious metal wallet business, the disadvantage of the gold fixed investment business is obvious. At present, only individual customers still have positions. In order to promote the high -quality development of the business and strengthen risk management, the bank has relocated gold fixed investment to precious metals to precious metals. wallet.

Zhou Maohua, a macro researcher at the Everbright Bank Financial Market Department, told a reporter from the Securities Daily that, as a whole, some banks adjusted the gold -fixed investment business to improve the timeliness of transactions and provide investor transactions with more flexible and convenientness. For banks, although the transaction fee is reduced, the scale of investors' transactions will inevitably increase and can make up at a volume. Some banks set a fixed investment limit, which helps investors to prevent major losses in extreme environments, in order to protect investors, and also help reduce potential investment disputes.

Bank tightening

Precious metal trading business

The reporter learned that since the beginning of this year, due to the fluctuations in gold prices, many banks have successively tightened the personal precious metal business and the accounts of precious metal business, including paper gold. In fact, banks' precious metal transactions have been tightening in the past two years.

"Recently, some banks have tightened personal precious metal trading business mainly to prevent potential risks and protect investors' legitimate rights and interests." Zhou Maohua believes that the current precious metal market is facing a complex environment and fluctuating. Potential risks have increased, especially in some transaction varieties with leverage; in addition, financial institutions to close personal precious metal trading business are also a signal to release the business risk to the market.

For investors, Zhou Maohua said, "In the short term, investors need to enhance the awareness of fluctuations in the precious metal market. When market volatility is large, it should be rationally selected, adjust positions moderately, etc. to enhance the stability of investment."

- END -