Recently, Industrial and Commercial Bank of China (ICBC) announced an increase in the investment eligibility threshold for its individual Gold Accumulation Plan. Under the new rules, customers must maintain an average daily financial asset balance of no less than RMB 50,000 over the past 20 trading days to qualify for opening a Gold Accumulation account. This move aims to comply with regulatory requirements on investor suitability management for precious metals trading and to better assess clients’ risk tolerance, thereby preventing irrational investment behavior.The Gold Accumulation Plan is a gold investment product offered by banks, allowing clients to purchase fractional gold units regularly—either by weight or monetary amount—to build a long-term, diversified gold portfolio with small, consistent contributions. Previously, the low entry barrier attracted many retail investors. However, heightened market volatility has exposed some inexperienced participants to significant risks. ICBC’s adjustment seeks to encourage more informed participation and enhance overall risk management.Notably, existing clients who have already activated the service are unaffected and may continue trading as usual. New applicants must complete a risk assessment and meet the asset requirement before gaining access. Industry experts view this change as a sign of banks adopting a more prudent approach toward retail precious metals offerings, suggesting similar measures may be adopted by other institutions in the near future.
近日，中国工商银行（工行）宣布提高个人积存金业务的投资准入门槛。根据最新规定，客户需满足近20个交易日日均金融资产不低于5万元人民币，方可开通积存金投资权限。此举旨在落实监管机构对贵金属投资业务适当性管理的要求，强化投资者风险承受能力评估，防范非理性投资行为。积存金是银行提供的一种黄金投资产品，客户可按克或金额定期买入黄金份额，实现小额、长期、分散的黄金资产配置。过去该业务门槛较低，吸引大量普通投资者参与。但随着市场波动加剧，部分投资者因缺乏专业知识而面临较大风险。工行此次调整，意在引导客户理性参与，提升整体风险管理水平。值得注意的是，已开通积存金业务的存量客户不受新规影响，仍可正常交易。新客户则需完成风险测评并满足资产条件后方可入市。业内人士认为，这一举措反映了银行对零售贵金属业务审慎发展的态度，未来其他银行也可能跟进类似调整。
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