工行、建行等集体公告！收紧这类业务→

城市金融报财观...2025-12-23

进入12月以来，银行业再度收紧个人贵金属交易业务，多家银行对代理上海黄金交易所个人贵金属交易业务进行加强管理。“无持仓、无库存、无欠款、保证金账户仍有资金余额的客户，请尽快自助办理资金转出手续。”近日，工商银行发布公告称，自12月19日起，该行将上述客户的保证金账户余额批量转出至该业务绑定的结算账户，并关闭相关业务功能。根据工行公告，在业务功能关闭后，客户与该行签署的《代理个人客户贵金属竞价交易...

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Tighten this kind of business →","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"00939":0.9,"03143":0.6},"content_text":"进入12月以来，银行业再度收紧个人贵金属交易业务，多家银行对代理上海黄金交易所个人贵金属交易业务进行加强管理。“无持仓、无库存、无欠款、保证金账户仍有资金余额的客户，请尽快自助办理资金转出手续。”近日，工商银行发布公告称，自12月19日起，该行将上述客户的保证金账户余额批量转出至该业务绑定的结算账户，并关闭相关业务功能。根据工行公告，在业务功能关闭后，客户与该行签署的《代理个人客户贵金属竞价交易业务协议书》将终止，现有持仓客户的平仓交易不受本次业务调整影响。12月8日，建设银行也发布了《关于代理个人客户上海黄金交易所贵金属交易业务近期安排的公告》，自12月15日起将无持仓、无库存、无欠款、保证金账户仍有资金余额的客户保证金账户余额转出至业务签约账户，并自动关闭相关业务功能。《金融时报》记者注意到，今年以来，已有多家银行对代理上海黄金交易所个人贵金属交易业务进行了相关调整。在工商银行、建设银行之前，还有农业银行、邮储银行、光大银行、中信银行、宁波银行等也发布了相关公告。具体来看，10月30日，中信银行表示，因业务合规经营和发展需要，自11月7日起，该行对代理上海黄金交易所个人交易长期不动户（仅有可用金额，无持仓）进行清理。根据公告，清理时，该行会将客户在上海黄金交易所个人交易账户中余额转至客户在该行开立该交易账户绑定的借记卡中，在转账完成后，该行将会对客户在该行开立的代理上海黄金交易所个人交易账户进行销户。在城商行中，宁波银行此前也表示，自10月13日起将停止受理代理个人客户上海黄金交易所现货实盘买入交易，同时，对于近三个月无持仓交易的代理个人客户，该行将对客户账户清算后，进行解约处理。据悉，作为个人投资者参与上海黄金交易所贵金属交易的主要通道，银行代理业务主要聚焦现货实盘合约与现货延期交收业务两大类，后者是更具灵活性的杠杆交易品种。实际上，早在2022年，就有工行、建行等多家银行发布了收紧个人贵金属业务公告，包括限制新开户、解除代理关系、暂停开仓、调整风险等级等多项具体举措。值得关注的是，本次多数银行对相关业务的调整主要针对的是存量账户。“代理个人客户进行上金所贵金属交易，属于带杠杆的衍生品业务。此类业务曾引发多起个人投资者起诉银行的纠纷。”在招联首席研究员、上海金融与发展实验室副主任董希淼看来，自2022年7月起，主要银行已全面暂停此类业务的新开户，当前调整是针对存量客户的后续清理，标志着该业务对个人客户的通道基本关闭。在业内人士看来，近期银行密集调整贵金属业务也与贵金属价格剧烈波动密切相关。《金融时报》记者注意到，今年以来，贵金属在大类资产中的表现格外抢眼。其中，国际金价年内大涨60%，白银价格累计涨幅更是超过了120%，均多次创下历史新高。“银行通过调整业务能够促使投资者正视贵金属市场波动风险，也意在引导投资者从短期投机转向长期配置。”中国邮政储蓄银行研究员娄飞鹏表示。除了对代理上海黄金交易所个人贵金属交易业务进行调整外，今年以来，还有不少银行多次上调积存金门槛，并发布贵金属业务市场风险提示，建议投资者提高贵金属业务的风险防范意识，合理控制仓位，理性投资。注文中观点数据仅作参考，据此投资，风险自担。","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":"policyRegulatory","news_rank":0,"symbols":[],"gpt_button":1,"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; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.36.2","shortVersion":"4.36.2","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/2593469044","isCrawlerRequest":true}