Asset fluctuations in interest rate hikes increase banks to further restrict customer risk business investment

The bank's risk business investment is further restricted. On August 24, Bank of Communications issued an announcement saying that in order to strengthen the appropriate sales management, it will update the fund fixed investment business agreement from September 2, 2022. From September 5th, the risk level judgment will be increased when the fund fixed deduction and the fast overflow will be automatically transferred to the launch. The system will not be deducted.

The capital market fluctuations intensify

For this approach of Bank of Communications, some analysts said that as global interest rate hikes have entered the cycle of interest rate hikes, the fluctuation of global risk assets increases, and investors may need to bear greater risks. Therefore There are certain necessities.

The person also added that the practice of the Bank of Communications may trigger the imitation of other banks, and more banks or financial institutions will further evaluate the risk tolerance of investors.

Banks have always been the big households sold. On July 27, the China -Foundation Association announced the top 100 list of public fund sales in the second quarter of 2022, including 51 brokers, 26 banks, 21 independent fund sales institutions and 2 insurance and agency institutions. Essence Data show that as of the end of the second quarter, the size of various types of fund sales institutions has gradually increased. Among them, the bank channels in the second quarter of this year have the scale of stock+hybrid funds, and the scale of non -currency market public offering funds is 3474.5 billion yuan and 4205.8 billion yuan, respectively, an increase of 7.01%and 9.39%, respectively.

From the perspective of the bank ranking, the top three of the stock+mixed public offering funds are China Merchants Bank, Industrial and Commercial Bank of China, and Construction Bank; the non -currency market public funds with the top three are China Merchants Bank, Industrial and Commercial Bank of China, and Bank of China. Among them, China Merchants Bank reserved the scale of 859.7 billion yuan of non -monetary funds and 709.5 billion yuan of stock+hybrid funds. The non -monetary fund of ICBC has a scale of 565.9 billion yuan, and the stocks of stocks have a scale of 507 billion yuan, ranking second. There are 11 banks with a scale of over 100 billion yuan in stock+hybrid funds. Construction Bank, Bank of China, Bank of Communications, Agricultural Bank, Pudong Development Bank, Minsheng Bank also among them. In the top ten of non -monetary funds, banks occupy a total of 6 seats, and there are 12 banks with a scale of over 100 billion yuan.

The precious metal is also limited

In addition to the "tightening curse" of the fund fixed investment, the bank had restricted the precious metal transactions before that. At the beginning of August this year, China Merchants Bank issued an announcement announced that it is about to suspend personal paper precious metal trading business, personal two -way foreign exchange trading business, personal real paper gold paper and silver trading business, and "recruiting money" business. The above -mentioned business holders and spot inventory customers please choose to close their own positions by October 17, 2022. This is another big bank after the Industrial and Commercial Bank of China and the Construction Bank.

Speaking of the reason, China Merchants Bank stated that in order to comply with changes in the market situation and better protect investors' rights.

On July 18, the official website of China Construction Bank issued an announcement saying that starting from August 15, 2022 (Monday), Beijing time, it has suspended accounts for the purchase, conversion transactions and fixed investment plans of precious metal business in the account ; Paralysis of the two -way trading business of precious metal trading business in the two -way transaction of the precious metal trading business; the set of account gold, account silver, and account platinum fixed investment plan will be automatically terminated. Customers' corresponding positions, short positioning and valid commissioning orders before the transaction are not affected.

On July 15th, ICBC issued a notice saying that from 8:00 on August 15th, the account of account gold and the account of the account of the account of the account will be suspended. Warehouse transactions are not affected.

ICBC also stated that considering that the international commodity market has a large uncertainty, it is recommended to control the scale of positions carefully and pay attention to the risk of preventing and controlling their own risks for customers with a large number of markets. This is the second time ICBC in July and the seventh time the expensive metal transaction was restricted during the year. Since this year, many banks have restricted the transactions of precious metals.

In addition to the above three banks, this year Huaxia Bank and Industrial Bank all issued relevant business adjustment announcements, which generally tightened the precious metal business.

From the raising of the margin ratio, to the newly opened positions and the gradual liquidation, the banks are tighter than the ropes of precious metal transactions. How to think of the bank's concentrated signal of adjusting the adjustment of precious metals?

A notification from the Shanghai Gold Exchange is worth paying attention. In early July, the Shanghai Gold Exchange stated that due to international factors, the price of commodities around the world has fluctuated sharply, and the market risks have increased significantly. Member units improve their awareness of risk prevention, make a good risk emergency plan, and remind investors to do a good job of risk prevention.

"Banks are gradually aware of the risks of such products, so it has repeatedly shrinking transaction leverage. Previously, my deposit could be 10%, which is 10 times leverage. Now the margin has been increased again and again. In terms of guests, the restraint of transactions has greatly increased, and of course risks have also decreased significantly. "Senior gold investor Lin Rong said that he started professional investment gold since 2008.

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