金价走弱银行结构性存款收益率缩水

21世纪经济报道12:00

热点栏目自选股数据中心行情中心资金流向模拟交易客户端今年以来，国际黄金市场走出暴涨暴跌的“过山车”行情，伦敦金现年内最大回撤幅度突破26%。伴随金价进入深度调整，多家国际投行与研究机构也对黄金后市作出“短期谨慎、中长期乐观”的预期。6月1日，北京商报记者梳理发现，近期交通银行、华夏银行、招商银行等多家银行挂钩黄金的结构性存款产品预期收益率普遍下调，市场热度明显降温。业内...

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href=https://finance.sina.com.cn/roll/2026-06-02/doc-inhzysxp7883775.shtml><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>热点栏目\n\n自选股\n数据中心\n行情中心\n资金流向\n模拟交易\n\n客户端\n\n\n今年以来，国际黄金市场走出暴涨暴跌的“过山车”行情，伦敦金现年内最大回撤幅度突破26%。伴随金价进入深度调整，多家国际投行与研究机构也对黄金后市作出“短期谨慎、中长期乐观”的预期。6月1日，北京商报记者梳理发现，近期交通银行、华夏银行、招商银行等多家银行挂钩黄金的结构性存款产品预期收益率普遍下调，市场热度明显降温。业内分析...</p>\n\n<a href=\"https://finance.sina.com.cn/roll/2026-06-02/doc-inhzysxp7883775.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"USG","symbol_name":"USCF Gold Strategy Plus Income Fund","start_time":0,"source_url":"https://finance.sina.com.cn/roll/2026-06-02/doc-inhzysxp7883775.shtml","article_id":"2640923969","we_media_id":null,"thumbnails":[],"rights":{"source":"sina","url":"https://finance.sina.com.cn/roll/2026-06-02/doc-inhzysxp7883775.shtml","rn_cache_url":null,"customStyle":"body{padding-top:10px;}.art_tit_h1{#titleStyle#}a{#lv2TextColor#}.art_time, 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Weakens","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1.5,"BEGS":1.5,"RING":1.5,"PHYS":1.5,"SGOL":1.5,"GDXU":1.5,"IAU":1.5,"DUST":1.5,"OUNZ":1.5,"GLD":0.6,"USG":1.5,"UYM":1.5,"SGDM":1.5,"DGP":1.5,"JNUG":1.5,"GDXY":1.5,"FGDL":1.5,"GDX":1.5,"GLDM":1.5,"YGLD":0.6,"GLTR":1.5,"CEF":1.5,"DZZ":1.5,"IGLD":0.6,"GDXJ":1.5,"BTGD":1.5,"PALL":1.5,"GBUG":1.5,"IAUI":1.5,"GOAU":1.5,"GDXD":1.5,"GLDY":0.6,"UGL":1.5,"DBC":1.5,"BAR":1.5,"DULL":1.5,"GOLY":1.5,"SHNY":1.5,"IAUM":1.5,"KGLD":0.6,"MGCmain":1.5,"BGLD":0.6,"DGZ":0.6,"JDST":1.5,"GLL":1.5,"AAAU":1.5},"content_text":"热点栏目\n\n自选股\n数据中心\n行情中心\n资金流向\n模拟交易\n\n客户端\n\n\n今年以来，国际黄金市场走出暴涨暴跌的“过山车”行情，伦敦金现年内最大回撤幅度突破26%。伴随金价进入深度调整，多家国际投行与研究机构也对黄金后市作出“短期谨慎、中长期乐观”的预期。6月1日，北京商报记者梳理发现，近期交通银行、华夏银行、招商银行等多家银行挂钩黄金的结构性存款产品预期收益率普遍下调，市场热度明显降温。业内分析指出，本轮黄金结构性存款收益率集体下行，核心源于黄金市场波动格局收敛，叠加银行净息差承压、负债成本高企、资产收益回落，银行权衡风控与盈利下调产品收益的考量。\n“短期谨慎、中长期乐观”\n2026年，国际黄金市场走出大幅震荡的“过山车”行情。年初，伦敦金现一度冲高至5598.75美元/盎司，创下历史新高，此后两个交易日呈现深度调整，此后震荡上行。而进入3月后，金价再度迎来断崖式大跌，最低下探至4098.25美元/盎司。此轮调整后，金价迎来快速反弹，重回4500美元/盎司关口上方，随后整体进入深度调整阶段。截至6月1日17:15，伦敦金现报价4499.77美元/盎司，日内小幅下跌0.85%。Wind数据显示，当前金价较1月年内高点回撤超17%，年内最大回撤幅度更是突破26%。\n伴随金价深度调整，多家国际投行与研究机构也对黄金未来走势作出最新研判，市场整体呈现出“短期谨慎、中长期乐观”的预期。如瑞银、摩根大通等机构基于美债收益率上行、美元走强、黄金实物需求疲软以及地缘与政策不确定性等因素，对短期金价持谨慎态度并下调了预期价格；而高盛等机构则从央行持续购金、货币贬值周期以及黄金长期配置价值出发，继续看多黄金的中长期表现。\n针对黄金近期走势，资深金融监管政策专家周毅钦分析称，黄金近期价格上方压力明显，当前基本面仍偏空，美元强势、美债收益率维持高位，压制黄金快速反弹。但全球央行持续增持黄金形成支撑，金价短期内较难出现持续性深跌行情。\n“总的来说，预计黄金后续可能震荡下行，进入4000—4200美元/盎司区间横盘整理阶段，多空拉锯，以消化空头动能，为后续反弹蓄力。”周毅钦表示。\n苏商银行特约研究员武泽伟进一步分析指出，短期来看，全球主要经济体实际利率仍存上行空间，实物黄金需求进入传统季节性淡季，金价大概率维持宽幅震荡整理格局，难以快速突破前期高点。中长期维度，全球央行持续增持黄金的趋势没有改变，黄金作为对冲通胀和地缘政治风险的核心资产，其长期配置价值将持续凸显。\n黄金结构性存款收益率下行\n在国际金价震荡调整的背景下，挂钩黄金的银行结构性存款收益同步迎来调整。6月1日，北京商报记者梳理发现，近期多家银行推出的黄金结构性存款年化预期收益率均出现不同程度下行，产品收益吸引力有所回落。\n以华夏银行为例，其在售的多款1万元起存的“慧盈”系列黄金结构性存款收益率普遍下调。其中，“慧盈14天开放式1号三层看涨AU9999”产品当前预计到期年利率介于1%—1.53%之间，相较于上期产品1%—1.62%区间的预期收益率有所下滑。另一款“慧盈灵·动2555号三层看涨AU9999”产品收益同步走低，目前预期年化利率为1%—1.6%，上期收益区间则为1%—1.71%。不仅普通理财产品收益下调，该行30万元起存的贵宾专属产品“慧盈2562号三层看涨AU9999”收益也有所调整，预期年利率从上期0.9%—2.05%调整至1%—1.8%，北京商报记者查询后发现，该产品中、高收益空间均出现收窄。\n交通银行黄金结构性存款产品同样迎来收益下调。例如，该行近日将1万元起投的“稳添慧结构性存款黄金看涨64天”“稳添慧结构性存款黄金看跌64天”两款产品年化收益率区间调整为0.5%—3%，此前上述两款产品最高年化收益率可达3.2%。招商银行多款“点金”系列黄金结构性存款亦出现收益下行，如该行5月30日发行的进取型看涨三层区间两个月结存产品预期年利率分别为1%、1.48%、1.68%；对比5月29日到期的上期产品1%、1.53%、1.73%的收益率，中间及最高档收益均有所下调。\n伴随收益率下调，黄金结构性存款的市场热度也有所降温。此前伦敦金现强势上涨阶段，银行黄金结构性存款曾多次出现额度快速售罄的情况，而目前多家银行同类产品剩余额度充足。\n针对此轮银行黄金结构性存款收益率集体下滑的现象，武泽伟表示，黄金市场自身运行特征的变化是核心主导因素，银行业净息差收窄则起到了重要的叠加放大作用。金价经历年初的大幅上涨和随后的深度回调后，市场波动率显著收敛，这直接导致结构性存款内嵌的黄金期权价值大幅下降，从根本上压缩了产品的潜在收益空间。\n“同时，在银行业整体净息差持续收窄的大背景下，银行面临着负债成本刚性与资产收益下行的双重压力，出于风险管理和盈利平衡的综合考量，银行普遍主动下调了包括黄金结构性存款在内的各类产品的预期收益水平，以确保业务的可持续性。”武泽伟补充表示。\n周毅钦指出，近期多家银行新发黄金结构性存款预期收益率普遍回落，主要受黄金市场波动格局影响。新产品普遍收窄金价波动区间、提高触发高收益门槛，整体收益率水平也同步有所下行。\n对普通投资者而言，现阶段应如何布局黄金？武泽伟指出，普通投资者应彻底摒弃短期投机思维，回归资产配置的防御本质。在配置黄金资产时，建议将其作为家庭财富的压舱石而非博取暴利的工具，严格控制仓位比例，通过分批布局或定投的方式来平滑高位入场的成本风险。\n对于黄金结构性存款这类产品，武泽伟建议，投资者需清醒认识到其“存款加衍生品”的复合属性，切勿被最高档收益率误导。在选购时，应重点关注产品的保底收益率是否具备吸引力，并仔细研判收益触发条件的实现难度。在金价波动加剧的当下，优先选择条款清晰、保底收益能够覆盖流动性成本的短中期产品，是更为稳健理性的策略。\n\n新浪合作大平台期货开户 安全快捷有保障\n\n\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：朱赫楠","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":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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金价走弱银行结构性存款收益率缩水