【银行停办个人贵金属业务，杠杆“炒金”踩“刹车”】近日，浦发银行发布公告，将自9月25日后择时停办代理上海黄金交易所个人贵金属业务，手机银行、网上银行、网点柜面等渠道的交易权限同步关闭。 这并非孤例。今年以来，已有多家银行陆续宣布调整个人贵金属代理业务，从上调保证金比例、抬高交易门槛，到直接关停个人交易通道，收紧节奏步步加码。招联首席经济学家、上海金融与发展实验室执行主任董希淼指出，今年黄金价格波动的冲击非常直观。“本轮多家银行集中关停个人贵金属杠杆交易业务，直接触发因素是2026年黄金价格从近5600美元/盎司的历史高位急速回落至4000美元以下，数月跌幅近30%。黄金价格大幅波动放大杠杆交易亏损风险，银行面临客户违约和声誉纠纷双重压力。” 一位业内人士也从风控角度进一步拆解了银行的压力。他表示，“今年以来，国际金价剧烈震荡，年内高点回落超过每盎司1400美元，个人投资者在杠杆交易中极易穿仓，银行作为上金所会员需承担清算垫付责任，风险敞口巨大。叠加监管趋严与客户纠纷压力，银行根据市场情况选择直接停办以彻底隔离风险。”
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.