Core Viewpoint - Recent fluctuations in international gold and silver prices have prompted banks to adjust their operations and issue risk warnings to protect investors amid significant market volatility [1][2][4][5][6][7] Group 1: Market Fluctuations - On February 2, gold futures dropped below $4,500 per ounce, with silver prices experiencing a cumulative decline of approximately 40% from the peak on January 29, while gold prices fell by about 20% [1] - The recent volatility in precious metals is attributed to macroeconomic expectations, technical overbought conditions, and profit-taking by some investors, indicating a high volatility phase in the market [7] Group 2: Bank Responses - China Merchants Bank announced an increase in margin requirements for various gold and silver contracts from 60% to 70% to mitigate market risks [1] - The bank also suspended new account openings and new positions in its "Zhaocai Gold" business due to the changing market conditions [2] - Other banks, including Postal Savings Bank of China and Agricultural Bank of China, have issued similar warnings and adjusted their business practices to enhance risk management and protect client interests [2][4][5] Group 3: Risk Management Strategies - Banks are implementing a multi-layered approach to risk management, including increasing entry barriers, limiting leverage, and guiding rational investment behaviors [7] - The adjustments made by banks reflect a proactive stance in managing risks associated with precious metals trading, aiming to maintain market stability and protect investor interests [7]

中国建设银行股份有限公司是一家商业银行。该银行主营业务分为公司银行业务，包括企业存款、企业 信贷、资产托管、企业年金、贸易融资、国际结算、国际融资和增值服务等；个人银行业务，包括个人 储蓄、贷款、银行卡服务、私人银行服务、外汇买卖和黄金买卖等，以及资金业务。该银行在中国国内 及海外市场开展业务。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 证券之星消息，2月2日南向资金增持4520.6万股建设银行（00939.HK）。近5个交易日中，获南向资金 增持的有3天，累计净增持5030.85万股。近20个交易日中，获南向资金增持的有17天，累计净增持7.39 亿股。截至目前，南向资金持有建设银行（00939.HK）345.91亿股，占公司已发行普通股的14.37%。 ...

Core Viewpoint - The recent volatility in gold prices has prompted major state-owned banks in China to adjust their gold-related business practices, enhancing risk management and guiding investors towards rational participation in the market [1][2][4]. Group 1: Adjustments by State-Owned Banks - Major state-owned banks, including ICBC, ABC, BOC, CCB, and others, have implemented changes to their gold-related business, including increasing entry thresholds, transaction limits, and risk assessment requirements [2][4]. - ICBC announced on February 1 that due to significant fluctuations in domestic and international precious metal prices, investors should maintain a rational investment mindset and avoid impulsive trading [2]. - CCB raised the minimum amount for personal gold accumulation to 1,500 yuan starting February 2, citing increased market risks [3]. Group 2: Market Analysis and Long-Term Value - Despite short-term price fluctuations, experts believe that gold and other precious metals still hold long-term investment value due to global risk aversion and changes in asset allocation logic [1][5]. - The precious metals market has shown an upward trend since 2026, with gold and silver performing particularly well, although recent price volatility has raised concerns about future market behavior [5]. - Analysts suggest that while short-term pressures may exist, long-term factors such as declining real interest rates and persistent inflation will continue to support gold prices [5][6]. Group 3: Investor Guidance - Investors are advised to focus on risk management, including understanding market volatility, monetary policy changes, and liquidity risks associated with investment products [6]. - It is emphasized that investors should assess their risk tolerance and avoid excessive leverage, choosing investment tools that align with their financial situations [6].

上海银行间同业拆放利率（Shibor）隔夜品种小幅上行，7天和14天品种下挫近10BP。具体来看，隔夜Shibor上涨3.70BP，报1.3650%；7天Shibor 下跌9.50BP，报1.4850%；14天Shibor下跌8.90BP，报1.5090%。 | | | | 2026-02-02 11:00 | | --- | --- | --- | --- | | | 期限 | Shibor(%) | 涨跌(BP) | | t | O/N | 1.3650 | 3.70 | | 价 | 1W | 1.4850 | 9.50 | | 中 | 2W | 1.5090 | 8.90 | | t | 1M | 1.5500 | 0.10 | | tr | 3M | 1.5889 | 0.01 | | 价 | em | 1.6069 | 0.21 | | tr | 9M | 1.6137 | 0.33 | | 1 | 1Y | 1.6248 | 0.32 | 上海银行间同业拆放利率（2月2日） 新华财经北京2月2日电人民银行2日开展750亿元7天期逆回购操作，操作利率1.40%，与前次持平；鉴于当日有1505亿元7天 ...

Core Viewpoint - The incident involving Zhou Xiaoyun at the China Construction Bank (CCB) highlights the tension between anti-fraud measures and customer rights, raising questions about the balance of security and privacy in banking practices [2][3]. Group 1: Incident Details - Zhou Xiaoyun attempted to withdraw 40,000 yuan from CCB but was informed that withdrawals over 10,000 yuan required registration and further questioning about the funds' purpose [2]. - After refusing to disclose personal information, the bank called the police, but later reversed its stance and allowed the withdrawal, leading Zhou to abandon the transaction [2]. Group 2: Legal Action and Claims - Zhou Xiaoyun filed a lawsuit against CCB's Dongying East City branch, seeking a court declaration of infringement and a public apology, without requesting financial compensation [3]. - The bank's defense claimed that their actions were to protect Zhou from potential fraud, citing their responsibility to assess risks based on the customer's situation [3]. Group 3: Regulatory Context - CCB presented evidence of its anti-fraud efforts, including commendations from law enforcement, to support its case [4]. - Zhou argued that the bank violated the Commercial Banking Law, which guarantees the principles of voluntary deposits and freedom of withdrawals [4]. - A new regulation from the People's Bank of China, effective January 1, 2026, will eliminate the requirement for all cash withdrawals over 50,000 yuan to be registered, allowing banks to assess risk on a case-by-case basis [4].

Core Viewpoint - Recent fluctuations in international gold and silver prices have led to significant adjustments in banking operations and risk management strategies to protect investors amid heightened market volatility [1][9]. Group 1: Market Fluctuations - On February 2, gold futures dropped below $4,500 per ounce, with silver prices experiencing a cumulative decline of approximately 40% from the peak on January 29, while gold prices fell by about 20% [1]. - The current market environment reflects a high volatility phase influenced by macroeconomic expectations, technical overbought conditions, and profit-taking by investors [9]. Group 2: Banking Responses - China Merchants Bank announced adjustments to its "Zhaocai Gold" business, increasing margin requirements for various gold and silver contracts from 60% to 70% to mitigate market risks [2]. - The Agricultural Bank of China implemented a risk assessment requirement for clients engaging in gold accumulation services, mandating a cautious risk tolerance rating [7]. - The Bank of China adjusted margin requirements for silver contracts, increasing the margin from 50.80% to 66.04% in case of a one-sided market [7]. Group 3: Investor Guidance - Banks are advising investors to enhance their risk awareness, control their positions, and avoid impulsive trading behaviors in light of the current market uncertainties [3][8]. - Financial institutions are promoting a strategy of maintaining a rational investment mindset, suggesting that investors should consider long-term perspectives and diversify their asset allocations [9].

上海收购二手住房用于保障性租赁住房 建设银行提供金融支持 建设银行上海市分行表示，本次项目签约是响应国家战略的具体行动，为保障项目推进，将定制专项方 案，从融资安排、资金监管，到个人住房按揭、科创E建行科技人才一站式服务平台等，提供全周期、 多层次的金融服务支持。 中经记者 郝亚娟 夏欣 上海、北京报道 2026年2月2日，中国建设银行支持上海市第一批收购二手住房用于保障性租赁住房项目签约活动，在中 国建设银行上海市分行举行。 本次签约标志着此项工作实质性启动，将推动上海住房保障体系更加完善，强化供给与需求匹配、租赁 与购置联动，形成"政策引导、市场运作、多方协同、群众得益"的良好格局；推动保障性租赁住房筹措 模式持续创新，在"十四五"大力实施规划新建、非居住房屋更新转化的基础上，创新探索在二手房市场 中收购存量住宅，进一步拓宽保障房源筹措渠道；推动保障性租赁住房供给力度不断加大，通过存量房 源收购，有效缩短建设周期，优化区域布局，完善房型结构，加快形成有效供给。 签约活动上，浦东新区、静安区、徐汇区作为试点区，分别结合各区实际，围绕机制建设、运作模式、 资金筹措、房源筛选和收购目标等方面，介绍了前期谋划、前 ...

Core Viewpoint - Recent significant fluctuations in gold prices have prompted major state-owned banks in China to adjust their precious metals business rules and issue market risk warnings to enhance investor risk management [1] Group 1: Bank Adjustments - Industrial and Commercial Bank of China (ICBC) has raised the minimum purchase amount for gold accumulation from 1,000 yuan to 1,100 yuan and restricted the accumulation business to C3 balanced clients and above starting from January 12 [2] - China Construction Bank has increased the minimum investment amount for its gold accumulation products to 1,500 yuan, effective from February 2, with plans for future adjustments based on market conditions [3] - Agricultural Bank of China has introduced a requirement for clients to complete a unified risk assessment before engaging in gold accumulation operations, effective from January 30 [6] Group 2: Risk Management Measures - ICBC has advised investors to rationally invest based on their risk tolerance and to control their positions to mitigate volatility risks [2] - China Bank has issued a risk warning regarding all types of precious metal businesses, urging clients to manage their holdings according to their financial situation and risk tolerance [4] - Bank of Communications has tightened client risk level requirements, allowing only clients with growth, aggressive, or balanced risk profiles to access full functionalities of their precious metals wallet [5] Group 3: Investor Guidance - Agricultural Bank of China has recommended that investors participate in business activities rationally and enhance their risk awareness [7]

上海二手房市场在没有新政刺激的情况下，已经连续三个月成交量突破2.2万套。 "以二手存量补保障"的新路径，正悄然撬动上海楼市的流动性与预期。 2月2日，中国建设银行支持上海市第一批收购二手住房用于保障性租赁住房项目签约活动举行。这批被 收购的二手住房，将被用作保障性租赁住房，满足新市民、青年人、大学毕业生等群体的租赁需求。 三个区将率先成为试点，包括浦东新区、静安区和徐汇区。截至目前，这三区已经各自结合实际情况形 成工作方案，地段条件较好、产权清晰、中小户型、业主置换意愿强烈的房子有望被优先收购。 在此之前，"静安区将启动住房以旧换新试点工作"的市场消息已经流传约一周时间。 上海链家研究院负责人李根对第一财经表示，上海二手房成交价已经出现"止跌"信号，连续2个月止住 下跌趋势，市场成交不再单纯依靠"以价换量"，刚性需求持续释放，中环内"老小"优势凸显，成交占比 攀升，超八成客户可在90天内成交（指链家系统内首次录入客户至成交），市场观望情绪逐渐减弱。 针对上海官方收购二手房用作保租房的消息，上海中原地产资深分析师卢文曦认为，此举不仅能够推动 住房保障体系更加完善，还对二手房市场整体流动性有积极影响。 "二手房 ...

新华财经上海2月2日电（记者 王淑娟）"大买家"进场！2日，建设银行支持上海市第一批收购二手住房 用于保障性租赁住房项目签约，这标志着上海收购二手住房用于保障性租赁住房工作实质性启动。 签约现场，建设银行上海市分行相关支行与上海浦东新区、静安区、徐汇区等三个首批试点区的公租房 公司签署合作协议，为开展收购工作提供金融支持。 首批试点中，哪些房源符合收购条件？记者了解到，上海浦东新区优先聚焦内环内、2000年以前、单套 建筑面积低于70平方米、总价不超过400万元的产权清晰的个人二手房源；上海静安区聚焦总价适中、 产权清晰的成套小户型二手住房，采取片区式收租为主、零散收购为辅的策略；上海徐汇区探索通过区 保障性住房公司在市场上收购存量小户型的房源，按照相应的标准实施装修配置后，作为保障性租赁住 房实现供应。 编辑：林郑宏 上海静安区副区长施煜介绍，这项试点是静安区盘活存量住房资源、保障改善居住民生、服务人才和区 域发展的创新探索。在机制建设上，由区政府分管领导牵头，区房管局、区国资委等相关部门共同组建 工作专班，强化统筹协调，并明确静安置业集团下属两家区属保障性住房公司为指定实施主体。运作模 式上，区保障房公司 ...