--- title: "专家：投资者应根据资金情况和风险偏好理性参与黄金投资" description: "随着国际金价上涨，多家银行调整贵金属业务以应对市场波动。专家建议投资者根据资金情况和风险偏好理性参与黄金投资。保守型投资者应选择低风险产品，稳健型投资者的黄金投资金额不应超过家庭可投资资产的 10%-15%。同时，投资者应根据资金使用期限选择合适的产品，短期资金不宜参与杠杆合约。" type: "news" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/257185222.md" published_at: "2025-09-13T06:56:10.000Z" --- # 专家：投资者应根据资金情况和风险偏好理性参与黄金投资 > 随着国际金价上涨，多家银行调整贵金属业务以应对市场波动。专家建议投资者根据资金情况和风险偏好理性参与黄金投资。保守型投资者应选择低风险产品，稳健型投资者的黄金投资金额不应超过家庭可投资资产的 10%-15%。同时，投资者应根据资金使用期限选择合适的产品，短期资金不宜参与杠杆合约。 随着国际金价持续攀升，多家银行相继调整贵金属业务，以应对市场波动与风险控制需求。记者注意到，建设银行、招商银行对相关业务作出调整。此前，部分银行上调了黄金类投资产品风险等级，并优化了风险测评。 中国有色金属工业协会金银分会副秘书长、山东招金金银精炼有限公司副总经理梁永慧指出，投资者应根据资金情况和风险偏好理性参与黄金投资。保守型或谨慎型投资者宜退出贵金属交易，选择低风险产品；稳健型及以上投资者，贵金属投资金额也不超过家庭可投资资产的 10%—15%。梁永慧还强调，应根据资金使用期限选产品，短期资金不宜参与带杠杆的延期合约，长期闲置资金可少量配置黄金积存、实物黄金。 ### Related Stocks - [07299.HK - 南方两倍看多黄金](https://longbridge.com/zh-CN/quote/07299.HK.md) - [GLD.US - 黄金 ETF - SPDR](https://longbridge.com/zh-CN/quote/GLD.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Zhaojin Mining Updates Annual Cap for Silver Sales Agreement with Zhaojin Refinery | Zhaojin Mining Industry Company Limited has amended the annual cap for its silver sales agreement with Shandong Zhaojin | [Link](https://longbridge.com/zh-CN/news/275590185.md) | | Chow Tai Fook looks beyond glitter of gold with younger buyers, higher margins | Chow Tai Fook, China's largest jewellery retailer, is undergoing a significant transformation to attract younger consume | [Link](https://longbridge.com/zh-CN/news/275781242.md) | | Rally in Gold, Silver Prices Hasn't Run Out of Steam Yet, ANZ Research Says | Rally in Gold, Silver Prices Hasn't Run Out of Steam Yet, ANZ Research Says | [Link](https://longbridge.com/zh-CN/news/275850817.md) | | Canadian miner Agnico Eagle's Q4 net income rises on higher gold prices | Canadian miner Agnico Eagle reported a Q4 net income of $1.5 billion, driven by higher gold prices, with record free cas | [Link](https://longbridge.com/zh-CN/news/275816047.md) | | New Found Gold (NFGC) confirms near-surface continuity with high-grade Keats Zone results | New Found Gold Corp. (NYSEAMERICAN:NFGC) has confirmed near-surface continuity with high-grade results from its 2025 gra | [Link](https://longbridge.com/zh-CN/news/275648146.md) | --- > **免责声明**：本文内容仅供参考，不构成任何投资建议。