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国际黄金价格的大幅波动不仅使得黄金挂钩结构性产品的发行数量有所减少,而且产品期限有所缩短。另外,银行对于黄金挂钩结构性产品的收益设计也开始出现一些显著的变化。2013年初的国际黄金价格从2012年末的高点连续下滑逾2个月,截至3月7日,国际黄金现货价格和2012年末相比一度下挫超过15%,这和2012年初的国际金价的大幅反弹行情可谓大相径庭。国际金价的连续下跌对黄金挂钩结构性理财产品的发行也形成一定的影响。
The sharp fluctuations in the international gold price not only reduced the number of gold-linked structured products to be issued but also shortened the product period. In addition, there have also been some significant changes in the design of returns for the gold-linked structured products. International gold prices dropped by more than two consecutive months from the peak of late 2012 at the beginning of 2013. As of March 7, the spot price of international gold dropped more than 15% from the end of 2012, which is in sharp contrast with the sharp rise of the international gold price in early 2012 Quotes can be very different. The continuous decline of the international gold price has also had some impact on the issuance of the gold-linked structural wealth management products.