Gold-structured deposits are becoming popular, and some banks are facing tight product quotas.

Since the beginning of the year, the international spot price of gold has increased by over 14%. Influenced by the continuous rise in gold prices, gold structured deposits, with their combination of capital preservation and income flexibility, have attracted investors' attention. In a low interest rate environment, many banks have been introducing related products, with some banks even experiencing tight quotas and selling out. According to reporters from the Shanghai Securities News, this combination structure of "deposits + derivatives" achieves income flexibility through linking to gold price fluctuations, but industry insiders warn that behind seemingly stable products lie hidden cognitive biases. The trigger conditions for "highest yield" are often very strict, and investors often only receive mid-range or minimum guaranteed returns in reality.