多家银行调整风控体系应对金价剧烈波动

经济参考报06-17 04:50

经历近两个月震荡走低后，金价日前迎来反弹。截至6月16日亚市早盘，现货黄金报4320美元/盎司附近，日内上涨2.45%，延续自6月15日突破4300美元关口后的强势运行态势。面对市场剧烈波动，工行、农行、中行、建行、交行、邮储六大国有银行多措并举，通过上调保证金比例、实施动态限额管理、调整风险评级等手段全面升级风控体系。　　多家银行渠道反映，近期积存金开户与赎回量同步走高：一部分投资者恐慌离场，另...

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Out，错失恐惧症）情绪驱动的投机热潮正在退去。　　对于此前金价下行及近日反弹的原因，东吴期货研报表示，美国和伊朗达成停战谅解备忘录是贵金属上涨最直接、最核心的驱动因素；谅解备忘录的达成使得美联储后续加息预期有所收敛，市场认为美联储在6月维持利率不变的概率高达98.5%。　　金价波动下，银行多措并举强化风控。保证金方面，此前工行、农行、建行等将代理个人贵金属延期业务保证金比例由80%上调至100%。6月再度升级：建行、工行6月2日将保证金从100%上调至120%，农行6月5日跟进。券商人士指出，120%保证金意味着需额外缴纳20%“风险缓冲金”。同时，部分银行收紧涨跌停板限制，农行将Au（T+D）涨跌幅从17%调整为14%。　　业务门槛则出现“先紧后松”。年初金价上涨时，多家银行上调积存金起购门槛：工行从1000元调至1100元，建行从1000元调至1500元。5月金价回落后，部分银行开始“松绑”。工行5月19日起将如意金积存风险等级由R3下调至R2，准入门槛放宽至C2及以上客户，覆盖超90%普通储户；建行将个人黄金积存风险等级名称由“较高风险”调整为“中高风险”，弱化投资者心理抵触情绪。交易时间方面，兴业银行等多家银行将积存金夜盘交易时间延长至次日凌晨2时。费率方面，工行推出定投手续费降至零的优惠，主动积存手续费率由0.5%优惠至0.2%；长沙银行自5月26日起直接免去积存金买入手续费。　　动态限额成为常态化风控手段。工行在周末及法定节假日对如意金积存业务实施动态限额管理，建行对“建行金”实施动态交易限额管理，当日额度耗尽后无法继续买入。中国邮储银行研究员娄飞鹏表示，动态限额有效冷却投机热情，减少羊群效应，引导积存金回归长期配置本源。　　在日前金价重新站上4300美元后，市场最关心的是：金价是否已企稳？还值得配置吗？多家机构给出不同判断。花旗银行6月16日发布报告，因能源价格回落缓解通胀压力，大幅上调黄金未来3个月目标价至4500美元。巴克莱银行认为，中东冲突引发的黄金抛售并非逆转而是一次市场重置，保持2026年和2027年每盎司4791美元和4900美元的价格预测不变。但专家普遍认为，短期来看，金价难开启单边上涨行情，近日美联储议息会议是关键节点，短期大概率在4000美元至4800美元区间宽幅震荡。　　与此同时，央行购金持续加码。央行数据显示，5月末黄金储备报7496万盎司，环比增加32万盎司，为连续第19个月增持黄金，增持幅度创近16个月单月新高。世界黄金协会6月16日发布《2026年全球央行黄金储备调研》显示，89%的受访央行预计未来12个月全球央行黄金储备将继续增加，创调查历史高位。2026年一季度全球央行净购金约244吨，环比增长17%，高于五年均值。（文章来源：经济参考报）","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 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多家银行调整风控体系 应对金价剧烈波动

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多家银行调整风控体系应对金价剧烈波动