现货黄金突破4200美元，银行积存金门槛一年四涨

21世纪经济报道2025-10-15

记者丨林汉垚见习记者冯紫彤编辑丨杨希国际国内金价再创新高。10月15日，现货黄金日内涨超1%，盘中多次突破4200美元/盎司。多家黄金珠宝品牌公布的境内足金饰品价格也水涨船高，其中较高的已突破1235元/克关口，单克均较10月1日上涨超100元。面对持续“狂飙”的金价，银行“积存金”的起存门槛正以罕见频率密集上调。10月14日，中国银行发布公告表示将调整积存金产品的购买条件，将最小购买金额由...

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见习记者冯紫彤编辑丨杨希国际国内金价再创新高。10月15日，现货黄金日内涨超1%，盘中多次突破4200美元/盎司。多家黄金珠宝品牌公布的境内足金饰品价格也水涨船高，其中较高的已突破1235元/克关口，单克均较10月1日上涨超100元。面对持续“狂飙”的金价，银行“积存金”的起存门槛正以罕见频率密集上调。10月14日，中国银行发布公告表示将调整积存金产品的购买条件，将最小购买金额由850元上调至950元。值得一提的是，这是该行年内第四次调整，起存门槛已较年初足足提高了300元。2025年以来，黄金价格涨势之猛，远超市场预期。截至10月10日伦敦金涨势以上海黄金交易所Au9999为例，其价格从年初每克614元一路跃升，接连突破多个整数关口：3月站上700元每克，4月冲过800元每克，9月突破900元每克，至10月15日盘中更触及每克960元的历史新高，年内累计涨幅已超过55%。金饰市场表现则更为强劲。以周大福为例，其饰品金价早已突破千元，令不少消费者直呼“买不起”。金价因何持续攀升？未来是否还有上涨空间？普通投资者又该如何理性参与？“积存金”持续火热多家银行紧急调高门槛看着已经飙升到每克955元的黄金积存价，桂先生将原计划买黄金的钱从银行账户中转回了余额宝，“留了一点，等价格降了就买，应该会回落到900块吧？”“这波涨得实在太猛了。”在微博、小红书等社交平台上，与桂先生一样原本持币观望、却骤然发现自己“高攀不起”的投资者不在少数。金价持续攀升，吸引着不少普通投资者加入“炒金”大军。与传统金条、金饰相比，门槛更低、交易更便捷的“积存金”“纸黄金”等账户黄金产品，愈加受到普通投资者的青睐。如今，通过支付宝、京东金融及各大银行APP“云买金”，已成为不少人参与这轮行情的主流方式。热潮之下，风险也随之浮现，各类关于投资者违规贷款买金的消息也不绝于耳。为此，多家银行近期密集发布风险提示，并陆续上调积存金产品的起存门槛。10月14日，中国银行发布公告，宣布自10月15日起调整积存金业务购买条件。其中，按金额购买或定投计划的最低门槛由850元提高至950元，追加金额仍为200元的整数倍；按克重购买方式则维持1克起购不变。该行表示，已在执行中的定投计划不受本次调整影响。事实上，近期已有多家银行相继进行类似调整。如宁波银行于10月9日公告，自10月11日起将积存金起购金额由900元上调至1000元。紧随其后，工商银行也自10月13日起将“如意金积存”起点由850元上调至1000元，并明确调整前已设定的定投计划可继续执行，但展期时需满足新金额要求。此外，建设银行等多家机构也于近期发布贵金属业务市场风险提示，呼吁投资者增强风险防范意识，理性参与市场，合理控制仓位。警惕短期回调风险机构建议“逢低布局”而非“追高建仓”面对迭创新高的金价，投资者最关心的问题莫过于：“黄金还能继续涨吗？”在黄金柜台柜员看来，答案是肯定的。其对记者表示，“年初一克不到800，人们也嫌贵，想等等便宜了再买。现在涨到1200块钱，又觉得800便宜了。”对于黄金近年持续攀升的原因，苏商银行特约研究员武泽伟对记者解析道，黄金具有商品、货币、金融三大属性，分别对应通胀水平、避险情绪和实际利率三大指标。考虑到关税战导致全球产业链生产效率下降，各国之间冲突概率上升，且主要央行都处于降息周期，因此通胀预期上升，避险情绪升温，实际利率下行，共同助力黄金价格走高。渣打中国财富方案部首席投资策略师王昕杰则从配置时机与风险角度给出判断。他认为，当前仍是配置黄金的合适时机。中长期来看，金价“更高更长”的走势有望延续，主要驱动因素包括美联储重启降息周期、中印季节性珠宝需求，以及美国政策与地缘政治不确定性。不过，他也提醒，黄金自9月初以来持续处于超买区域，存在整固风险。若中美贸易谈判取得进展或季节性补库动力减弱，金价短期可能回调至3950美元/盎司。在配置建议方面，王昕杰强调应避免过度集中。“黄金是无息资产，其价值完全依赖价格波动体现，因此只应作为资产配置中的一小部分，过度的配置可能就成为了投机。”他建议，在一个均衡的配置当中，黄金的配置比例在7%左右为宜，并应坚持“逢低布局”而非“追高建仓”，避免因追涨杀跌破坏投资纪律、放大投机风险。SFC出品丨21财经客户端 21世纪经济报道编辑丨陈思颖 见习编辑张嘉钰","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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