Wind數據顯示，28日，黃金期貨繼續沖高，截至發稿，倫敦金現報3065.230美元/盎司，COMEX黃金3103.3美元/盎司，年內迄今漲幅已超16%。當地時間3月27日，倫敦金現收盤上漲1.21%，報3055.552美元/盎司，COMEX黃金期貨漲1.54%報3069.1美元/盎司，盤中均創歷史新高。

The reporter inquired on the 28th and found that the price of domestic brand gold jewellery also rose.As of press time, the selling price of Chow Sang Sang gold jewellery was 921 yuan/gram, up 0 yuan/gram from the previous day; The gold of the old temple was 0 yuan/gram, up 0 yuan/gram from the previous day; Chow Tai Fook, Saturday Fook and Luk Fook jewelry are all 0 yuan/gram.

Some netizens said, "I have been waiting for the price of gold to drop a little, and then buy some gold bars to put at home, it seems that there is no hope of buying gold bars, from more than 700 all the way to more than 0, there is no intention of reducing the price at all." Some netizens said, "I."I can't afford to climb high."

In addition, due to the sharp fluctuations in gold prices, a number of banks have recently adjusted the minimum amount of accumulation funds for gold investment products.

3月26日晚，建設銀行（601939.SH；0939.HK）宣布，自3月31日9:10起該行個人黃金積存業務定期積存起點金額（包括日均積存及自選日積存）由700元上調至800元，調整前已設置成功的定期積存計劃將繼續執行，不受影響。這是自寧波銀行（002142.SZ）之後，本月又一家將積存金起購金額由700元調整為800元的銀行。

紅星資本局梳理髮現，本輪銀行集中上調積存金起點始於今年2月份。

On 1/0, Industrial Bank (0. SH) took the lead in adjusting the starting point for single purchase and new regular investment purchase of accumulation fund business from 0 yuan to 0 yuan. Among the major state-owned banks, Bank of China (0. SH； 0.HK), Industrial and Commercial Bank of China (0. SH； 0.HK) The minimum amount of accumulation has also been raised from 0 yuan to 0 yuan. According to Bank of China, when purchasing accumulation fund products or creating an accumulation fixed investment plan by grammage, the minimum purchase weight will remain unchanged at 0 grams, and the additional gram weight will remain unchanged at an integer multiple of 0 grams.

Since 750 months, Bank of Jiangsu (0. SH), China Merchants Bank (0. SH； 0.HK) has also followed up one after another. Among them, Bank of Jiangsu raised the investment threshold amount (including single purchase and regular investment purchase) from 0 yuan/gram to 0 yuan/gram; China Merchants Bank raised the starting point twice during the year, from 0 yuan/gram to 0 yuan/gram, and then to 0 yuan/gram.

3月27日，紅星資本局在郵儲銀行手機App看到，該行積存金起點為700元，同時頁面下方提示“為滿足人行黃金積存產品最小業務單位為1克”的要求，該行將根據黃金市場情況動態調整黃金積存業務的購買起點。

It is understood that accumulation fund, also known as gold accumulation business, is a low-threshold and relatively flexible gold investment method. Investors can purchase the accumulation fund through active or regular investment, and can also redeem or withdraw in kind. The increase in the investment threshold of accumulation funds is closely related to the international gold price. In accordance with regulatory requirements, the minimum business unit for gold accumulation products is 1 grams. Therefore, as the price of gold rises, the minimum purchase amount of the accumulation fund needs to be adjusted accordingly.

In addition to raising the investment threshold, some banks have also adjusted other rules for their accumulation fund business.

3月13日，工商銀行對個人客戶積存金業務風險測評進行了優化調整。該行稱，自3月23日起，個人客戶辦理積存金業務的開戶、主動積存或新增定投計劃（即“定期積存計劃”）的，需通過工商銀行營業網點、網上銀行或中國工商銀行App等管道，按該行統一的風險測評試題重新進行風險承受能力評估、取得C1-保守型及以上的評估結果（已有前述評估結果且在有效期內的無需重測）並簽訂積存金風險揭示書。

招商銀行此前發佈關於黃金帳戶業務調整的通告，2月12日起黃金帳戶活期利率由0.10%降至0.01%，1年期產品利率從0.6%降至0.3%。中信銀行（601998.SH；0998.HK）也於2月15日起，對個人積存金定期和活期利率進行調整，降幅在23個基點到58個基點之間，其中6個月期產品利率從1.18%降至0.6%。

Source: China-Singapore Jingwei, Red Star News