Recently, international gold prices have continued to fluctuate in the high range, and the uncertainty of gold prices has significantly increased. In this context, commercial banks have adjusted their precious metal business strategies one after another, with the optimization of the minimum investment threshold for deposit gold products becoming the core direction. Several banks have raised their fixed minimum investment amounts, and Bank of Communications has implemented an adjustment mechanism that fluctuates with gold prices. According to interviewees, multiple banks have recently been intensively optimizing their investment thresholds for deposit gold products. This is not only a proactive adaptation to the current high volatility of gold prices and increased market risks, but also reflects the core trend of banks to further improve their service accuracy and risk management capabilities in the field of precious metals. Looking ahead, it is expected that more financial institutions will follow suit with similar adjustments, providing investors with investment choices that are more in line with market changes and more flexible. It is understood that Bank of Communications has adopted a floating mode. As the core category of the bank's precious metal business, the setting of the minimum investment amount for the purchase of deposit funds is directly related to the participation threshold and risk control effect of investors. Previously, most banks used a fixed starting amount for this product, but in the current context of high volatility in gold prices, a fixed starting point is difficult to flexibly adapt to changes in investment costs caused by fluctuations in gold prices, and may also expose investors to unnecessary risks. Therefore, banks have begun to explore new business models. On October 24th, Bank of Communications announced on its official website that in response to market changes, starting from October 27th, 2025, the starting amount of the bank's precious metal wallet accumulation plan will be adjusted to fluctuate with the gold price. The accumulation amount must be greater than or equal to the real-time gold price and meet the requirement of increasing accumulation trading units (multiples of 100). For example, if the gold price of the precious metal wallet business during accumulation is 923 yuan/gram and the transaction increment unit of the accumulation plan is 100 yuan, the minimum amount that can be applied for the accumulation plan is 1000 yuan. In fact, this adjustment by Bank of Communications is not an isolated case. Previously, Agricultural Bank of China announced that it would adjust the purchase starting point of "Deposit Connect No. 2" to fluctuate with the gold price based on the fixed investment amount. Yang Haiping, a researcher at the Shanghai Institute of Finance and Law, told reporters that compared with the "fixed amount+irregular adjustment" model adopted by most banks, the advantages of using a floating mechanism of purchase starting amount linked to real-time gold prices include: firstly, in the current context of gold prices hitting new highs repeatedly, the floating mechanism linked to real-time gold prices can avoid frequent manual adjustments, match market risks in real time, and transmit risk signals in real time through dynamic adjustments to shield irrational trading. Secondly, it can be consistent with the Interim Measures for the Management of Gold Accumulation Business to ensure business compliance. Yang Haiping further stated that the floating mechanism of purchase threshold amount linked to real-time gold price can not only meet regulatory requirements, but also play a risk warning role, balancing risk management, compliance management, and consumer rights protection requirements. Therefore, it is expected that more banks will follow suit. Since October, several banks have raised the minimum investment amount. Industrial and Commercial Bank of China, Bank of China, Ping An Bank, Industrial and Commercial Bank of China, and other banks have also raised the minimum investment threshold for deposit products. For example, starting from October 13th, Industrial and Commercial Bank of China has raised the minimum investment amount for Ruyi Gold Accumulation Business from 850 yuan to 1000 yuan. Starting from October 15th, Bank of China will adjust the purchase conditions for deposit based products. When purchasing deposit based products or creating deposit based investment plans, the minimum purchase amount will be adjusted from 850 yuan to 950 yuan, and the additional purchase amount will remain unchanged at a multiple of 200 yuan. Starting from October 21st, Industrial Bank will adjust the purchase threshold for current and regular fixed-term deposits based on the purchase amount. The threshold for single purchase and new fixed investment purchases will be adjusted from 1000 yuan to 1200 yuan. Ping An Bank announced that starting from October 24, 2025, the minimum investment amount for its Ping An Gold Accumulation business will be increased from 900 yuan to 1100 yuan according to the fixed investment plan set by the amount. Gao Zhengyang, a special researcher at Su Shang Bank, further stated to reporters that the continuous rise in gold prices since the beginning of the year has led to a significant deviation in the actual purchasing power of the original initial investment amount. Banks need to raise the threshold to ensure compliance. At the same time, the volatility risk has intensified after the significant rise in gold prices. In order to prevent customers from speculating at high gold prices, banks have chosen to raise the threshold to suppress speculative demand. In addition to adjusting the threshold, banks also strengthen investor education by intensively issuing risk warnings. For example, on October 23rd, Bank of Communications issued a notice on its official website, advising customers to pay attention to market changes, raise risk prevention awareness, timely monitor position and margin balance changes, and reasonably control positions. Industry insiders have stated that as gold prices continue to hit new highs and market volatility rises, banks, as channel partners, need to proactively manage risks through a combination of "threshold adjustment+risk warning" actions, balancing business compliance, risk management, and consumer rights protection. (New Society)