--- title: "專家：投資者應根據資金情況和風險偏好理性參與黃金投資" description: "隨着國際金價上漲，多家銀行調整貴金屬業務以應對市場波動。專家建議投資者根據資金情況和風險偏好理性參與黃金投資。保守型投資者應選擇低風險產品，穩健型投資者的黃金投資金額不應超過家庭可投資資產的 10%-15%。同時，投資者應根據資金使用期限選擇合適的產品，短期資金不宜參與槓桿合約。" type: "news" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/257185222.md" published_at: "2025-09-13T06:56:10.000Z" --- # 專家：投資者應根據資金情況和風險偏好理性參與黃金投資 > 隨着國際金價上漲，多家銀行調整貴金屬業務以應對市場波動。專家建議投資者根據資金情況和風險偏好理性參與黃金投資。保守型投資者應選擇低風險產品，穩健型投資者的黃金投資金額不應超過家庭可投資資產的 10%-15%。同時，投資者應根據資金使用期限選擇合適的產品，短期資金不宜參與槓桿合約。 隨着國際金價持續攀升，多家銀行相繼調整貴金屬業務，以應對市場波動與風險控制需求。記者注意到，建設銀行、招商銀行對相關業務作出調整。此前，部分銀行上調了黃金類投資產品風險等級，並優化了風險測評。 中國有色金屬工業協會金銀分會副秘書長、山東招金金銀精煉有限公司副總經理梁永慧指出，投資者應根據資金情況和風險偏好理性參與黃金投資。保守型或謹慎型投資者宜退出貴金屬交易，選擇低風險產品；穩健型及以上投資者，貴金屬投資金額也不超過家庭可投資資產的 10%—15%。梁永慧還強調，應根據資金使用期限選產品，短期資金不宜參與帶槓桿的延期合約，長期閒置資金可少量配置黃金積存、實物黃金。 ### Related Stocks - [07299.HK - 南方兩倍看多黃金](https://longbridge.com/zh-HK/quote/07299.HK.md) - [GLD.US - SPDR 金 ETF](https://longbridge.com/zh-HK/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-HK/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-HK/news/275781242.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-HK/news/275816047.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-HK/news/275850817.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-HK/news/275648146.md) | --- > **免責聲明**：本文內容僅供參考，不構成任何投資建議。