January 26, 2026
Finance

Silver Climbs to Record Levels Amid Chinese Banking Sector Turmoil

Surging Demand for Physical Silver Driven by Capital Flight Raises Questions on Market Sustainability

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Summary

Silver prices have surged past their previous all-time highs, nearing $111 per ounce, propelled primarily by a significant shift in investment behavior linked to distress within China's banking sector. The underlying causes include substantial hidden losses within Chinese banks, leading savers to pivot from traditional deposits toward physical assets such as silver. This dynamic has created notable price disparities and volatility, while institutional investors exhibit cautious profit-taking amid a backdrop of strong industrial demand and depleting inventory levels.

Key Points

Silver prices reached all-time intraday highs above $110 amid capital flight from China’s banking sector.
China’s ‘zombie banking system’ with hidden losses has driven savers toward physical silver as a safer asset.
Silver trading in Shanghai carries a structural premium over COMEX prices, indicating arbitrage opportunities.
Institutional investors are cautiously taking profits while retail and Eastern buyers maintain buying momentum, amid strong industrial demand and declining COMEX inventories.

In recent trading sessions, silver prices have soared to unprecedented heights, breaching the $110 mark and reaching intraday peaks around $110.1250 before settling near $109.69. This rapid escalation represents a doubling of prices within approximately three months, highlighting an intense rally that has captivated market participants globally.

According to Alexander Campbell, the founder of Rose AI, the primary catalyst behind this dramatic upswing is a large-scale capital exodus from China's banking system. Characterized by Campbell as a “zombie banking system,” these Chinese financial institutions reportedly harbor trillions of yuan in concealed losses. This precarious financial position has prompted savers to reconsider their asset allocations, shifting preference from insolvent bank deposits toward tangible holdings such as physical silver. Campbell emphasizes that this behavioral shift, once minimal, is sufficient to disrupt supply-demand balances and thus significantly impact silver markets.

Further compounding the situation is the erosion of confidence in property as a wealth preservation vehicle within China. Campbell has noted that with the realization that real estate no longer functions as a reliable store of value, even minor variations in savings and investment strategies among households can trigger substantial market effects. This phenomenon has resulted in a robust arbitrage opportunity, where silver prices in Shanghai are trading at a considerable premium compared to the prices on the COMEX exchange.

While enthusiastic retail investors and buyers in Eastern markets have enthusiastically pursued silver amid this environment, seasoned institutional players demonstrate a more measured approach. Campbell's firm is reportedly taking steps to reduce market exposure by lowering delta and liquidating bullish options positions to secure gains achieved during the upward price movement.

Despite these cautious maneuvers, underlying market support remains robust. Industrial demand linked to sectors such as solar energy and artificial intelligence exerts inelastic pressure on silver supply, contributing to a sustained deficit. Concurrently, inventories held on the COMEX exchange are projected to be depleted by September, reinforcing the supply constraints. Campbell underscores that these prevailing market dynamics have not abated but instead have accelerated, potentially signaling continued volatility and upward pressure on prices.

The surge in silver prices has spurred renewed interest in silver-related exchange-traded funds (ETFs), providing investors diverse exposure options. Among these are:

  • iShares Silver Trust (NYSE: SLV), exhibiting a six-month performance increase of 168.22%, year-to-date growth of 41.31%, and a one-year gain of 238.35%.
  • abrdn Physical Silver Shares ETF (NYSE: SIVR), displaying similar performance metrics with a six-month gain of 168.41%, 41.30% year-to-date, and 238.56% over one year.
  • Global X Silver Miners ETF (NYSE: SIL), rising 127.63% over six months, 34.39% year-to-date, and 240.33% in a year.
  • Amplify Junior Silver Miners ETF (NYSE: SILJ), achieving a six-month return of 155.88%, 41.13% year-to-date, and an impressive 274.66% over the past year.

Market observers currently describe silver's rally as more than simple investor enthusiasm. Campbell refers to it as a “doomsday clock” for the global financial system, reflecting underlying volatility levels not witnessed since historically tumultuous periods. These elevated volatility metrics highlight systemic uncertainty and the precariousness of existing global monetary arrangements.

The juxtaposition of frantic retail momentum against prudent institutional hedging depicts a fragmented market landscape. While momentum-driven buying persists, especially from retail and regional players responding to currency and banking sector distress, professional market actors are managing risk exposures carefully.

Silver's fundamental supply-demand imbalance is further stressed by robust consumption growth in emerging technologies such as solar power generation and artificial intelligence applications. These technology-driven demands result in a relatively inelastic deficit, implying that increasing consumption outpaces current and projected mine output and existing inventory levels.

The convergence of capital flight from Chinese financial institutions, shifting local saving behaviors, and underlying industrial demand has created a complex environment for silver markets. This environment fosters elevated prices, increased arbitrage opportunities, and notable price volatility, challenging traditional valuation models and market expectations.

Investors interested in silver should consider the implications of such market dynamics, evaluate relevant ETF options carefully, and remain cognizant of prevailing risks associated with rapid price movements and geopolitical financial stressors.

Risks
  • The stability of silver prices is subject to volatility driven by capital flight and rapid shifts in investor behavior.
  • Hidden losses in China’s banking system present uncertainty over the sustainability of current silver demand.
  • Potential depletion of COMEX silver inventories by September could affect market liquidity and price stability.
  • Discrepancies between regional silver prices create arbitrage risks that may lead to transitory pricing distortions.
Disclosure
Education only / not financial advice
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SIL - positive SILJ - positive SLV - positive SIVR - positive
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