超20家银行收紧贵金属交易！什么情况？

金融时报2021-08-10

8月9日，黄金忽遭黑天鹅，盘中一度跌破1700美元/盎司的支撑，跌至1680美元/盎司附近，为3月31日以来首次。现货白银也跟随跳水，日内暴跌8%。目前跌幅虽然有所收窄，但是长长的下影线，依然让投资人感到触目惊心。黄金、白银等贵金属价格近期大幅波动，目前已经有超过20家银行对贵金属交易戴上“紧箍咒”。多家银行收紧贵金属业务近期，多家银行再次发布调整贵金属业务的通知。招商银行于近日发布公告...

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333d21ce
2021-08-10
333d21ce
[财迷]
333d21ce
2021-08-10
333d21ce
[财迷]
wenbing11
2021-08-10
wenbing11
很好

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What happened?","themeId":null,"isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/db65ef961402c42abd73013ca1bd3e28","symbols_score_info":{"GCmain":0.9,"GOLDmain":0.9,"SImain":0.9,"SILVERmain":0.9},"content_text":"8月9日，黄金忽遭黑天鹅，盘中一度跌破1700美元/盎司的支撑，跌至1680美元/盎司附近，为3月31日以来首次。现货白银也跟随跳水，日内暴跌8%。目前跌幅虽然有所收窄，但是长长的下影线，依然让投资人感到触目惊心。\n黄金、白银等贵金属价格近期大幅波动，目前已经有超过20家银行对贵金属交易戴上“紧箍咒”。\n\n多家银行收紧贵金属业务\n近期，多家银行再次发布调整贵金属业务的通知。\n招商银行于近日发布公告称，将于8月11日对个人纸贵金属双向交易业务、实盘纸黄金纸白银买卖业务进行调整。同时，个人外汇期权业务即日起停止发售新产品，已发售产品的买卖与到期结算不受影响。\n中国银行日前发布公告称，将于8月7日至8日对账户贵金属、双向账户贵金属、双向外汇宝、代理个人客户等相关系统进行升级。系统升级完成后，将调整相关产品交易参数及交易服务。\n工商银行则对《中国工商银行账户贵金属产品介绍》和《中国工商银行账户贵金属交易规则》进行修订。\n事实上，此番调整并非近年首次。自去年11月以来，受贵金属价格剧烈波动影响，工商银行、农业银行、中国银行、建设银行、邮储银行、平安银行、兴业银行，以及宁波银行、北京银行、北京农商行等20余家银行暂停账户贵金属相关业务新开户申请。\n不仅暂停新开户，不少银行在公告中抬升了交易“门槛”，对贵金属业务的限制措施包括调整风险等级、交易起点、持仓限额、对无交易账户集中解约等。\n收紧业务原因为何？\n多家银行收紧贵金属业务主要基于产品风险角度，以及投资者适当性问题的考虑。\n从风险角度看，银行对挂钩大宗商品的衍生产品风险度较以往有了新的认知，提高了对此类业务的警惕。多家银行均在通告中提到，“贵金属价格持续出现较大幅度波动”“市场风险显著增强”“个人贵金属交易类业务投资交易风险上升”。\n有分析人士表示，银行暂停账户贵金属业务新开户，与贵金属价格波动幅度较大有关。影响贵金属的价格因素比较复杂，但贵金属价格的走势往往受到货币政策的影响，尤其与美联储的货币政策宽松与否关联较大，但是美联储的操作往往又无法预测，这就增加了价格波动的随机性和风险。\n从投资者适应性角度看，银行客户的投资周期普遍偏长，但期货市场参与双向交易以及杠杆交易的投资者的交易周期都偏短，且仓位管理要求更高，需要更加专业的投资咨询服务，因此银行客户参与这些衍生品交易的适应性相对较低。其次，国内很多投资者缺乏对冲风险的认识和渠道。\n招联金融首席研究员董希淼表示，外汇产品、商品期货、金融衍生品等高风险投资，对投资经验和风险承受能力要求较高，不适合普通投资者。对于普通投资者，如果没有丰富的投资经验和较强的风险承受能力，不建议参与外汇交易等高风险投资活动。金融管理部门应督促商业银行落实好投资者适当性管理，更好地保护投资者合法权益。\n光大银行分析师周茂华认为，银行收紧相关业务，有助于防范贵金属和外汇市场潜在波动；同时，也一定程度向投资者提示市场风险，有助于落实投资者适当性管理义务，也有助于部分金融机构防范潜在纠纷和监管问责风险。","kind":"news","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":896272874,"gmtCreate":1628589108098,"gmtModify":1633745932453,"author":{"id":"3585552208615613","authorId":"3585552208615613","name":"333d21ce","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3585552208615613","authorIdStr":"3585552208615613"},"htmlText":"[财迷]&nbsp;","listText":"[财迷]&nbsp;","text":"[财迷]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/896272874","repostId":2158742074,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":896279685,"gmtCreate":1628588722447,"gmtModify":1633745934907,"author":{"id":"3585552208615613","authorId":"3585552208615613","name":"333d21ce","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3585552208615613","authorIdStr":"3585552208615613"},"htmlText":"[财迷]&nbsp;","listText":"[财迷]&nbsp;","text":"[财迷]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/896279685","repostId":2158742074,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":896247064,"gmtCreate":1628588481358,"gmtModify":1633745935700,"author":{"id":"3552507494604260","authorId":"3552507494604260","name":"wenbing11","avatar":"https://static.tigerbbs.com/e27942e6943fed5c86e8998b5c126914","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3552507494604260","authorIdStr":"3552507494604260"},"htmlText":"很好","listText":"很好","text":"很好","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/896247064","repostId":2158742074,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"}],"isCommentEnd":false,"newsSizeData":{"likeSize":6,"commentSize":3,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.29.3","shortVersion":"4.29.3","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2158742074"}