1. Following ICBC and CCB, China Merchants Bank also announced the tightening of precious metals business.
Following large banks such as Industrial and Commercial Bank of China and China Construction Bank, China Merchants Bank suspended the two-way trading of precious metals in personal accounts.
China Merchants Bank recently announced that it will suspend its personal two-way bill trading, foreign exchange two-way trading, firm and metal trading, silver trading and "lucky money" business. Customers who hold the above transactions and hold the spot, please close the position as soon as possible.
In addition to precious metals, ICBC, China Construction Bank, Industrial Bank, Huaxia Bank, China Everbright Bank and other banks have implemented strict supervision on the personal precious metals trading of the Shanghai Gold Exchange, including increasing the margin ratio, suspending or closing positions to buy and open positions, and terminating contracts for customers who have not held positions and transactions.
The second is the release of high-risk signals in precious metal trading.
Precious metal trading is a high-risk financial product, and its price will fluctuate greatly in the market. For example, the spot gold price in London dropped from the highest point of more than $2,000 in March to the present 1, 774,438+08, down by 14%. There will also be some leverage when trading, and there will inevitably be a question of whether investors are suitable.
Many banks have tightened their precious metal business for two reasons: First, due to the influence of the international financial market, the price of precious metals fluctuates greatly, which has a great impact on investors. In order to protect the rights and interests of investors, banks should make corresponding adjustments to related businesses; On the other hand, according to the relevant laws and regulations of CBRC, commercial banks must strengthen and standardize the investor suitability management.
In the mature financial market, institutional investors are the main body of financial derivatives investment, so it is a very inappropriate choice for individual investors. The price of financial derivatives fluctuates sharply, which requires high professional quality and endurance of investors. The participation of ordinary retail investors is tantamount to a disguised form of gambling, and their losses have long been doomed.
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