印度银行可自定黄金贷款上限
关键词：黄金贷款
印度央行(RBI)在周二宣布，各大银行可以自行决定针对非农业用户的黄金贷款的上限。不过RBI称，各银行针对抵押的黄金，仍然要维持75%的贷款与价值比例。
RBI称：“各大银行在其董事会批准后，可以自行决定针对非农业用户的，以金饰作为抵押的贷款上限。”此外，RBI规定，贷款期限不得超过12个月，而银行必须以月为利息计算收取的单位，此前都是在还款时被一并收取。而被抵押的金饰在计算LTV时都以现存价值计算。
黄金基金持仓录得减仓，基金投资者买入黄金的兴趣有所消退。截至7月21日全球最大的黄金上市交易基金机构的黄金持仓量与前一个交易日相比减少1.8吨, 至803.34 吨；全球最大的白银上市交易基金的白银持仓量与前一个交易日相比保持在10038.52 吨。
因此，道明证券的高级商品分析师说：“基本面上看，没有太多推动金价的因素。此外还要关注中国的需求，目前上海市场上的金价出于贴水状态，所以没太多黄金需求，至少过去几个月是这样，我们也没有看到前面会有什么起色。除非乌克兰危机真的大幅升级，不然金价要上涨是很困难的。”
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本文来源： 大田环球贵金属
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