对此，用益信托研究院研究员喻智向财联社记者表示，银行上调积存金起购点，和近期国际金价持续大涨息息相关。今年国内金价已经上涨超100元每克，未来不排除更多银行跟进。① Recently, Everbright Bank issued an official statement stating that starting on the morning of October 8, the purchase amount for regular investment in Golden Credit's personal business will be adjusted from 600 yuan to 700 yuan based on a fixed amount of investment. ② Over the past half month, about 7 major state-owned banks and stock banks have successively raised their deposit points, and with the exception of the Agricultural Bank, all other banks have raised them to 650 yuan or 700 yuan.
Financial Services Association, October 9 (Reporter Peng Kefeng) As gold prices continue to rise, bank-related businesses are inevitably affected.
Recently, Everbright Bank issued an official statement stating that starting on the morning of October 8, the starting purchase amount for regular investment in Golden Credit's personal business will be adjusted from 600 yuan to 700 yuan based on fixed investment. Today, according to the reporter's statistics, over the past half month, about 7 major state-owned banks and stock banks have successively raised their deposit points, and with the exception of the Agricultural Bank, all other banks have raised them to 650 yuan or 700 yuan.
In response, Yu Zhi, a researcher at the Yonyi Trust Research Institute, told the Finance Association reporter that the bank's increase in deposit purchase points is closely related to the recent continuous sharp rise in international gold prices. Domestic gold prices have risen by more than 100 yuan per gram this year, and it is not ruled out that more banks will follow suit in the future.
Stock banks added gold purchase points to adjust Dachao Everbright Bank's increase to 700 yuan starting yesterday
Recently, Everbright Bank posted an article on its official website stating that according to regulations relating to the gold deposit business, in order to adapt to market changes, the bank will adjust its personal gold deposit business.
Specifically, starting at 9:30 on October 8, 2024, Beijing time, the initial purchase amount for the regular investment of Everbright Bank's Gold Savings Personal Business was adjusted from 600 yuan to 700 yuan based on a fixed amount investment, and the additional amount remained unchanged at an integer multiple of 100 yuan. The fixed investment agreement signed before the adjustment will continue to be implemented and will not be affected. The amount of the newly initiated fixed investment agreement after the adjustment must meet the bank's latest starting point requirements.
“The Bank will continue to monitor changes in the gold market and adjust the above starting amounts in due course. The details of the adjustments will be announced separately through the Bank's official website and other channels.” Everbright Bank made the final statement.
Today, the reporter's inquiry revealed that the early trading price of “Shanghai Gold” on the Shanghai Gold Exchange, which is linked to the bank savings account business, was 589.58 yuan per gram. Comparatively, the starting point of 700 yuan is significantly higher than the latest domestic gold price, while Everbright Bank's previous purchase point of 600 yuan clearly coincides with the current gold price.
It is worth noting that this is also the second time during the year that Everbright Bank has adjusted the deposit purchase point. On April 18, Everbright Bank published an article stating that starting at 9:30 on April 26, the bank's regular investment in gold savings personal business was adjusted from 500 yuan to 600 yuan based on a fixed amount of investment.
Over the past half month, all three major state-owned banks and four stock banks have adjusted their savings accounts
In September of this year, international gold prices continued to reach record highs, and domestic gold prices continued to rise. Affected by this, on September 18, the Agricultural Bank became the first bank to announce an increase in deposit purchase points after this round of sharp increases in gold prices. On the same day, the Agricultural Bank issued a document stating that the bank promoted Jintong 2's purchase starting point to a method that fluctuates with the price of gold.
A week later, a number of major state-owned banks followed suit. On September 25, China Construction Bank issued a document stating that starting on the 27th, the regular deposit starting point finance for the personal gold deposit business will be raised from 600 yuan to 700 yuan. The Bank of China issued an announcement stating that starting on the 27th, when purchasing deposit products or creating fixed investment plans according to the amount, the minimum purchase amount will be adjusted from 600 yuan to 650 yuan.
Today, the reporter's inquiry revealed that after the three major state-owned banks, several stock banks have recently followed suit. Before the 11th holiday, Industrial Bank took the lead in issuing an article stating that starting from September 24, the bank plans to adjust the purchase starting point amount for current savings accounts and regular term business by amount. The specific adjustments are as follows: when trading by amount, the starting point for single purchases and additional fixed investment purchases will be adjusted from RMB 600 to RMB 700; when trading by weight, the starting point for single purchases and additional fixed investment purchases will remain unchanged at 1 gram.
Zheshang Bank also issued an article stating that starting at 09:00 on September 25, the bank's cumulative monthly fixed investment starting amount (including monthly, weekly, and daily fixed investment) was raised from 600 yuan to 650 yuan (calculated on 20 fixed investment days and 4 fixed investment weeks per month), that is, monthly fixed investment must not be less than 650 yuan per instalment, weekly fixed investment should not be less than 162.5 yuan per instalment, and daily fixed investment should not be less than 32.5 yuan per instalment. The fixed investment plan that was successfully set up before the adjustment will continue to be implemented and will not be affected.
Since then, China Merchants Bank issued an article stating that starting from September 30, 2024, the starting point for current purchases for gold accounts and fixed investment starting point for gold accounts will be adjusted from 1 gram/600 yuan to 1 gram/650 yuan. Successful fixed investment plans (including smart fixed investment) that have been set up before the adjustment will continue to be implemented and will not be affected. After the adjustment, the amount of the newly initiated fixed investment plan must meet the bank's latest starting point requirements.