Gold-structured deposits gain popularity, some banks face tight quotas for products.

Since the beginning of the year, the international spot gold price has risen by over 14%. Influenced by the continuous strength of gold prices, gold structured deposits, with their combination of capital preservation and income elasticity, have attracted investors' attention. In a low interest rate environment, many banks have launched related products, and some banks have even faced tight quotas or sold out. Reporters have learned that this combination of "deposits + derivatives" achieves income elasticity through linked gold price fluctuations, but industry insiders warn that behind seemingly stable products lie hidden cognitive biases. The triggering conditions for the "highest yield" are often very stringent, and investors usually receive mid-range or guaranteed returns.