In the field of gold investment, bargain hunting is a strategy that many investors try to grasp, hoping to buy at low prices to obtain huge returns. However, this strategy is often accompanied by many misunderstandings, and investors may suffer losses if they do not have a clear understanding of it. first
This morning, gold is on the hot search again! But this time it’s not because of the big rise, but because of the plummeting...
Netizens who bought it yesterday said, "I'm happy to raise 3 lower limits today."
This morning, both gold and silver fell sharply. Spot gold's intraday decline expanded to 4%, at $5,139.38 per ounce. Spot silver fell more than 5% during the day and is currently trading at $108.90 per ounce.
On January 30, the three major A-share indexes collectively opened lower. As of around 10 o'clock, the declines were all over 1%. Gold and basic metal sectors led the decline, and individual stocks are now trading at their lowest limit. Many stocks including Baiyin Nonferrous Metals, Xingye Silver and Tin, Yuguang Gold and Lead, CICC Gold, and Shengda Resources fell by the limit. Hunan gold bucked the trend and hit the daily limit, recording 5 consecutive gains. On the news, spot gold and silver are all green.
On the evening of January 29, many high-level precious metal stocks such as Baiyin Nonferrous Metals, Western Gold, Zhaojin Gold, and China Gold made emergency announcements to warn of risks.
Affected by international gold prices, the prices of domestic brand gold jewelry have also fallen. On January 30, a comparison of domestic gold jewelry prices showed that Chow Sang Sang quoted 1,683 yuan/gram, Chow Tai Fook quoted 1,685 yuan/gram, Lao Fengxiang quoted 1,668 yuan/gram, and Lao Miao gold quoted 1,690 yuan/gram.
Chow Sang Sang gold price today
Chow Tai Fook gold price today
According to 21st Century Business Herald, there are various signs that the recent market speculation on gold and silver-related stocks has gradually deviated from their fundamentals and become more emotional.
Correspondingly, the risk of high fluctuations in the precious metals sector is also increasing rapidly. While the above-mentioned gold stocks continue to rise by the daily limit, some performance trends are negatively correlated with gold prices, and individual stocks whose rising logic is not solid have also fallen first.
Source: Chengshi Interactive·City Express Comprehensive Report
1. School introduction:
Communication University of China, referred to as "China Communication", is located in the capital city of Beijing. It is an industry-specific university in the field of information communication directly under the Ministry of Education of the People's Republic of China. It is a national "double first-class" construction university", a national "211 Project" key construction university, a national "985 Project Advantageous Discipline Innovation Platform" construction university, and a national " "111 Plan", "National Construction High-level University Publicly-sponsored Graduate Program", "National College Student Innovation and Entrepreneurship Training Program", selected universities in Asia Campus, sponsor of the International Alliance for Media Higher Education, UNESCO "Media and Women" Chair Unit, and a host institution for international students studying in China under the Chinese Government Scholarship.
2. Project introduction:
The International Undergraduate (Preparatory) Program of Communication University of China is a study abroad training program for Chinese students who plan to study in the United Kingdom, Australia, the United States, Canada, and New Zealand. It provides students with high-quality teaching courses in a modular teaching method. The teaching adopts a domestic + foreign compound training model, which consists of two stages: domestic course learning and foreign course learning.
3. Project advantages: Official schooling, multiple guarantees: Communication University of China relies on its own advantages in running schools, integrates high-quality educational resources on campus, cooperates with foreign universities, and uses a modern university management system to create internationally recognized academic standards and teaching models, broaden students' international horizons, and is fully recognized by many students and parents. Advantageous majors, access to famous schools: The majors offered by the International Undergraduate (Preparatory) Program of Communication University of China are among the advantageous majors of Communication University of China, covering three major categories of art, media, and business. There are many majors, a large number of students, and the teaching staff is mainly experienced teachers from the school, helping students consolidate their foundation in English and professional courses, and helping students win at the starting line of studying abroad. Student-oriented, service first: During their studies at school, students share on-campus resources and facilities with the unified admissions department, and enjoy free services such as overseas study guidance and employment guidance at home and abroad. Characteristic education, sound cultivation: Communication University of China has distinctive school-running characteristics and advantages in media education. During the training process, it focuses on meeting the diverse needs of students. During their time at school, students can participate in various student organizations, lectures, and excellence evaluation activities to experience first-hand the profound campus culture of CICC. Scientific training, fruitful results: The International Undergraduate (Preparatory) Program of Communication University of China has been successfully held for 15 times so far, and has sent thousands of outstanding talents to prestigious overseas universities. Many students have been admitted to top foreign universities such as the University of Leeds, University of York, University of Sydney, Leeds Conservatorium of Music, and University of the Arts London. Alumni resources, growing together: Communication University of China has huge alumni resources in media, art, technology and many other fields. As an important part of the school's alumni system, students in the international undergraduate program can share resources, participate in activities, communicate extensively, and make progress together.
4. Course plan: 5. Professional setting:
Media and Communication, Film and Television Production and Performance, Creative Industries, Art and Design, Animation and Digital Media (Directed Course at Teesside University), Music and Recording Arts.
6. Fee details: Media and communication: 98,000 yuan/school year Film and television production and performance: 108,000 yuan/school year Creative industries: 98,000 yuan/school year Art and design: 108,000 yuan/school year Animation and digital media: 108,000 yuan/school year Music and recording arts: 108,000 yuan/school year 7. Certificate issuance:
Reporting from China Times (chinatimes.net.cn) reporter Fu Le in Beijing
"I watched the price of gold drop for 40 minutes, and I checked my fingerprint at least more than 100 times. They were all buying the bottom, but they couldn't buy it, so they fell asleep." A post-00s investor shared.
Recently, some banks have experienced a situation where their accumulated funds cannot be purchased and transactions are booming. On February 3, Wang Pengbo, a senior analyst in the financial industry of Broadcom Analytics, told a reporter from China Times that this phenomenon is a short-term concentrated burst of transaction demand under the fluctuation of gold prices, which directly exceeds the carrying capacity of the banking system. Coupled with banks' active control of transaction rhythm, it is a phased problem at the operational level. It is not a problem with the underlying logic of the product or the systemic risk of the market, but the bank's ability to adapt to transaction peaks has not kept up in time.
The dilemma of “can’t buy”
The deposit purchase interface of a bank (picture provided by the interviewee)
Dongdong (pseudonym), who was born in 1989, works as a real estate agent in Shenzhen. On the evening of February 3, she told this reporter that she bought accumulated gold from a major bank a few days ago at an average price of about 1,190 yuan/gram, and successively bought one or two hundred grams, investing hundreds of thousands of yuan. "I couldn't buy it at the time, but I bought it later. After buying it, the price of gold fluctuated, and it has now fallen to about 1,090 yuan/gram."
"I just followed the trend. My bank friend told me that the gold market has been good in recent months, and the investment has yielded 20% returns. I didn't expect that I was trapped as soon as I bought it." Dongdong said bluntly that gold investment is risky and risky, and he will withdraw after he has recovered his capital.
Dongdong said that gold investment may lose principal and income in a short period of time, and is far less stable than real estate investment. Even if housing prices fall, there is still a house, but if gold falls, there will be nothing. Some of my friends have increased their leverage. Gold plummeted two days ago and I cry every day.
Netizen "Captain Yellow Croaker of the Caribbean" told our reporter that he began to understand gold when the gold price was 370 yuan/gram, and started to buy accumulated gold when the gold price was more than 400 yuan/gram. He also bought physical gold in banks, both long-term and short-term.
"More and more people are buying gold now. It's crazy. There are very few platforms that can trade 24 hours a day. I used to sell at high prices and buy them back at low prices. Now I can't buy them even if I buy them at low prices. There are too many people buying gold." said the above-mentioned netizen.
"When the price rises and plummets, it's easy to be unable to buy with the accumulated funds." A post-90s girl from Shanghai said that the accumulated funds that I wanted to buy at the bottom fell sharply to less than 1,000 yuan/gram in the afternoon. I wanted to buy it immediately, but I couldn't buy it, and I couldn't complete the transaction at all. Later, my friend said that he had placed an order, and I chased it all the way to 1,002 yuan/gram. The text message reminded me that the transaction was successful.
The reporter learned that when the deposit transaction failed, some bank pages displayed "Transactions are hot or the current transaction traffic has surged, please try again later", "There are too many visitors at the moment, please try later" and "Your request could not be processed. If you have any questions, please consult online customer service or call."
Another investor shared that he stayed up until the early hours of the morning trying to buy savings, but as a result, the banking system fell flat and he watched helplessly as he missed the opportunity to get on the bus. "It's understandable if you can't buy for a few minutes, but you still can't buy for half an hour."
"I lost my password for more than 30 minutes, and I couldn't buy it even if I broke it." A girl born in the 1990s shared that from 1,050 yuan/gram to 1,000 yuan/gram, I couldn't buy it every time it fell. Then the price went up again, so I "lost it" and stopped buying.
"Sometimes it's a good thing that you can't buy it. I kept buying it, and finally the transaction was successful at 1,007 yuan/gram, but it dropped to 991 yuan/gram. So it's a blessing in disguise," said an investor born in the 1990s.
Wang Pengbo said that the short-term transaction flow suddenly surged, directly exceeding the system processing limit. In addition, the bank proactively adjusted business access and transaction rules out of risk management and control considerations.
Talking about the current popularity of the gold accumulation business, Wang Pengbo believes that this is following the short-term fluctuations in gold prices. The overall situation will not remain at a peak for a long time, and will eventually return to a level that matches the market's regular investment needs. The bank will most likely raise business access thresholds, set transaction limits, adjust handling rates, and at the same time optimize its product system and launch some supporting gold derivatives to curb short-term transaction peaks.
Many banks have raised the minimum purchase amount of savings deposits
In the current investment scenario, savings funds have become a financial management choice favored by many ordinary investors due to the characteristics of "small accumulation and pricing per gram". In the context of the recent sharp fluctuations in gold prices, many banks have adjusted the minimum purchase amount of gold accumulation business and issued relevant investment risk warnings.
Industrial Bank issued an announcement stating that starting from February 4, 2026, the starting point for single purchase and new fixed investment purchase when trading by amount will be adjusted from RMB 1,200 to 1,400 yuan; when trading by weight, the starting point for single purchase and new fixed investment purchase will remain unchanged at 1 gram. The fixed investment plan that the customer has set up will be executed according to the original plan settings and will not be affected by the above adjustments; modifications to the original fixed investment plan must meet the adjusted transaction starting point amount limit.
Industrial Bank also reminded that the price fluctuations of precious metals have intensified significantly recently due to multiple factors. In order to prevent possible risks caused by market fluctuations, it is recommended that users keep an eye on the precious metal market and price trends, and reasonably control their positions based on their own financial status and risk tolerance. Improve risk prevention awareness, make prudent decisions, and invest rationally.
China Construction Bank said that starting from 9:10 on February 2, the starting point for regular accumulation of the bank's personal gold accumulation business (including average daily accumulation and optional daily accumulation) will be increased to 1,500 yuan. Regular accumulation plans that have been successfully set up before the adjustment will continue to be executed and will not be affected.
Starting from February 7, ICBC will implement limit management on the Ruyi Gold accumulation business on non-Shanghai Gold Exchange trading days such as weekends and statutory holidays. Limit types include full or single customer single-day accumulation/redemption limit, single accumulation or total redemption limit, etc., and are set dynamically, and gold withdrawals will not be affected.
In addition, starting from January 29, Ping An Bank has raised the minimum investment amount for its fixed investment plan based on the amount of Ping An Gold accumulation business from 1,100 yuan to 1,200 yuan.
In addition, some banks have adjusted the access requirements for risk assessment levels of accumulation fund business. For example, starting from January 12, individual customers of ICBC who open an account for the accumulation fund business, actively accumulate, or add a new fixed investment plan, must conduct a risk tolerance assessment according to the bank's unified risk assessment questionnaire through the bank's business outlets, online banking, or App, obtain a C3-balanced or above assessment result, and sign an accumulation fund risk disclosure letter.
The Bank of China issued a risk prevention reminder on January 30, reminding customers to carry out precious metal trading activities based on their own financial conditions and risk tolerance, reasonably control the size of precious metal positions, and prevent the risk of capital losses caused by fluctuations in precious metal prices.
Wang Pengbo suggested that regulators and banks should strengthen risk warnings and information disclosure, use professional channels to popularize gold investment knowledge, guide investors to participate in investments based on their own risk tolerance, and establish long-term asset allocation concepts to prevent investors from making emotional trading decisions due to short-term gold price fluctuations.
"In the future, the growth rate of the overall scale of the accumulated gold business will slow down. The industry will slowly shift from the previous scale-oriented to quality-oriented. The product side will also be designed in layers. Some structural products linked to gold may also be derived to adapt to investors with different risk preferences. The entire business is likely to move in the direction of standardization and differentiation." Wang Pengbo said.
The price of Bitcoin fell by 14% in just 30 minutes after last night’s flash crash on Bitcoin exchange Bitfinex.
Coindesk’s Bitcoin Price Index, which had been relatively stable between $250 and $255, plummeted to $214.36 just before midnight (UTC). At the same time, Bitfinex’s stock price fell to $179.35, a drop of 29%.
Bitfinex is known as the most liquid exchange in the world, but it crashed after a large order worth 10,000 Bitcoins ($2.3 million) was placed.
The exchange’s Twitter updated at 03:22 this morning: “Stock sales during the massive Bitcoin sell-off are legal and for profit-making purposes, and lenders will not be affected.”
In addition to providing normal Bitcoin buying and selling orders, Bitfinex also provides margin trading, which means that users can borrow funds from the exchange platform's lenders (peer-to-peer liquidity providers) at a certain interest rate to conduct Bitcoin transactions and place long or short bets on the rise or fall of Bitcoin prices.
Like the sudden price shock that occurred yesterday, when the account assets of long users who borrowed funds to trade fell to zero, the Bitfinex exchange would automatically liquidate their futures positions. This will undoubtedly intensify the volatility of Bitcoin prices, and the selling pressure brought by these futures positions will continue to act on the already collapsed market.
breaker
There are some methods to mitigate such violent price fluctuations. For example, some traditional exchanges will limit the fluctuation space by 10% on the previous day's closing price, but it is still unknown whether Bitfinext Exchange has such a circuit breaker.
In an interview with “Whale Club” members, Bitfinex’s Phil Potter hinted that the Bitcoin platform has encountered a number of technical difficulties, including lagging in the service engine that updates position information.
Timo Schlaefer, CEO of Bitcoin derivatives trading platform Crypto Facilities, told CoinDesk that margin trading on exchanges has destabilized Bitcoin prices and led to many flash crashes in the past. The flash crash of Bitfinex and BTC-e last August caused the price of Bitcoin to fall by 10%.
“Whether you want to firmly only do spot foreign exchange (no margin trading) or something else, you need to make a choice between this. You can’t have both.” He added: “This is very bad for Bitcoin, because the Bitcoin market is still very immature and unreliable, and there seems to be no progress in this regard last year.”
Margin trading is already very common in most markets, but it is still a relatively new phenomenon for the Bitcoin market. Only two exchanges have added margin trading in the past two months.
However, a Bitcoin market maker who wished to remain anonymous said that flash crashes do not only occur in markets with margin trading. “Even if you don’t borrow from a Bitcoin platform, if you want to engage in margin trading, you will find other ways to borrow money to support your gambling habit.”
He also said that the "gambling mentality" in the Bitcoin field has also exacerbated Bitcoin's price fluctuations, and traders are willing to use leverage to risk funds.
At the same time, he also believes that the uncertainty and public controversy caused by the Bitcoin XT software branch will inevitably negatively affect the price of Bitcoin.
DaddyDoge coin is a cryptocurrency based on blockchain technology. Its name combines the popular "Dogecoin" cultural elements and former US President Donald Trump's nickname "Daddy" to form a unique brand identity. As a memecoin, DaddyDoge coin initially quickly gained attention through community drive and social media spread, and runs on the Binance Smart Chain (BSC). The token adopts a deflation mechanism and levies a 9% tax on each transaction, of which 3% is allocated to holders, 3% is injected into the liquidity pool, and 3% is used for marketing and development, incentivizing long-term holding and enhancing market stability through the economic model. Its founding team controls the circulation through pre-sale and burning mechanisms (43.4% of the total supply was burned) in an attempt to balance supply and demand.
The development prospects of DaddyDoge coin are affected by both community activity and market sentiment. As a meme coin, its value relies heavily on social media hype and celebrity influence. For example, Trump's remarks in support of cryptocurrency have created a positive atmosphere for similar coins. Addresses holding 1 million to 10 million DaddyDoge on the chain have recently increased their holdings significantly, reflecting the interest of whale investors. Its deflation model and tax distribution mechanism provide passive income for long-term holders, potentially attracting more users to participate. The high volatility and lack of substantial technological upgrades of meme coins are still potential risks. In the future, it will need to rely on ecological expansion (such as payment scenarios or DeFi applications) to break through the current limitations of relying on speculation.
The market advantage of DaddyDoge coin lies in its low threshold and community culture. Compared with mainstream cryptocurrencies, its unit price is extremely low (approximately $0.000000037), attracting small investors. The transaction tax design not only inhibits short-term speculation, but also improves project sustainability through liquidity pools and marketing fund injections. The token also has the potential for multi-chain interoperability and may integrate more blockchains in the future to expand its use. Its brand image combines the affinity of Dogecoin with the communication power of political memes, forming a strong identity among specific communities. This cultural resonance has given it a differentiated advantage in the highly competitive meme currency market.
The highlight feature of DaddyDoge coin is its innovative economic model and community incentive mechanism. The tax distribution system deeply binds token holders, liquidity providers and project development to form a community of interests. Its marketing strategies are also quite creative, such as launching frequent community activities through platforms such as Telegram and Twitter, and using emoticons and hot topics to maintain popularity. Although there is no breakthrough innovation at the technical level, the low cost and high efficiency based on BSC make it suitable for high-frequency small-amount transactions. The team has publicly pledged to use part of the funds for charitable donations, continuing the charity tradition of the Dogecoin family and further strengthening its positioning as a "friendly finance".
Southwestern University of Finance and Economics is located in Chengdu, Sichuan Province. It is a university directly under the Ministry of Education, a 211 Project University, and a Double-First-Class Construction University. The school currently has 25 national-level first-class undergraduate major construction sites, 10 first-level disciplines for doctoral degree authorization, 3 doctoral professional categories, 4 first-level disciplines for master's degree authorization, and 19 professional master's degree authorization sites.
Southwestern University of Finance and Economics has announced the basic score requirements for candidates entering the re-examination for the 2026 master's degree admissions examination. Among general academic degrees, science scores have increased the most, by 52 points, engineering scores have increased by 11 points, and interdisciplinary subjects have dropped by 31 points. Among professional degrees, electronic information increased by 52 points and auditing increased by 22 points. The scores of some majors in the special program have increased significantly.
Among the re-examination scores for each major announced by each college, compared with last year, most majors have increased. The highest increase is Sociology (030301) of the Institute of Social Development, with a score of 405 points, an increase of 82 points, and Electronic Information (030301) of the School of Computer and Artificial Intelligence. 85400) increased by 52 points, the School of Public Administration’s Administration (120401) increased by 48 points, the School of Finance’s Insurance (025500) increased by 47 points, and the School of Economics’ Digital Economy (025800) increased by 43 points.
Compared with last year, the Social Work of the Institute of Social Development (035200) dropped by 33 points, the Statistics of the School of Statistics (027000) dropped by 32 points, the Regional and National Studies of the School of Foreign Languages (140700) dropped by 32 points, and the International Trade of the School of International Business (020206) dropped by 27 points.
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