Since 2002, China has gradually opened the field of gold investment, and the Shanghai Gold Exchange and Shanghai Futures Exchange have been established. As a result, gold investment was gradually opened, and it was gradually transformed into individual investment varieties until 2005. but the two major gold trading models have a major shortcoming: ⒈ The two major exchanges of the two major exchanges adopt a transaction mechanism of gathering bidding and matching transactions, which are relatively disconnected from the international gold market; Sexual investment varieties have strong gold prices, but the influence of China's gold market on the international gold market has not yet formed; ⒊ Gold investment varieties of Shanghai Gold Exchange and Futures Exchange cannot provide 24 -hour continuous transactions, resulting in so that Domestic gold prices often have a vacuum opening phenomenon, and investors cannot resist the risk of uncertainty in all aspects; ⒋ The loopholes of the transaction coverage cannot completely suppress the market speculation, leaving the survival space for underground frying gold, threatening investors’s investors. At the same time, it disrupts the national financial order . At present, individual investors cannot open accounts on the Shanghai Gold Exchange, which means that investors mainly invest in gold through banks. So how to choose a product that suits you in a bank? For individual investors, there are three main types of gold investment business launched by banks: account gold (only investing, can not be extracted in real objects), personal physical gold sale (can be used in real objects, but there is no repurchase at present, there is no repurchase current Business cannot be sold to banks) and personal physical gold investment (the Gold Exchange authorized banks to start this business, which can invest in both or physical gold). Sales banks: Agricultural Bank, Industrial and Commercial Bank of China, Construction Bank The banks currently launched in physical gold are mainly Agricultural Bank, Construction Bank, ICBC. The price of physical gold sold by banks is generally higher than the price of the raw material gold of the Shanghai Gold Exchange, because banks also have to calculate the cost of insurance premiums and crafts. Below, let's take a look at the physical gold varieties launched by various banks: ● Agricultural Bank Iga is the earliest bank to launch personal physical gold trading in the Ningbo market. The following types: The gold coins sold by Gold Coin Agricultural Bank of China are mainly Olympic commemorative coins and panda gold coins. The specifications of panda gold coins include 1 ounce, 1/2 ounce, 1/4 ounce, 1/10 ounces, 1/20 ounces. According to reports, the price of gold coins is "accompanied by the market", which is set on the basis of the raw material gold of the Shanghai Gold Exchange. The gold bars sold by the gold bargaining agricultural bank are products of Zhaoyuan Gold in Shandong. The specifications of gold bars are 50 grams, 100 grams, 200 grams, and 500 grams. The price of the gold bars is also quoted by the Agricultural Bank of China on the basis of the raw material price of the Shanghai Gold Exchange. The "bank brand gold" Agricultural Bank of China will push its own bank's brand gold in late November this year -the "Treasure of the World" gold bar, with 20 grams, 50 grams, 100 grams, 200 grams, 500 grams, etc. Thisy gold products sold by Agricultural Bank of China have not yet provided repurchase business. Buyers are more used for collecting. Once the bank launches repurchase business, investors can also use "low buying and high sale for sale and selling high sale. "Come to make money. ● ICBC ICBC has also launched its own brand gold- "Ruyi Gold" gold bar. The "Ruyi Gold" gold bar is the first gold bars that ICBC launched, designed by themselves, and has its own brand name. The gold bars have the "Industrial and Commercial Bank of China" logo and fixed number. "Ruyi" gold bars is the first bank gold bar registered on the Shanghai Gold Exchange (SGE). It is the international standard gold and silver ingot production exemption factory certified by ICBC Gold Market Association for certification. The price is linked to the gold price of the international market. High transparency, the characteristics of convenient investment, gift gifts, gold accumulation, and value storage. The "Ruyi Gold" gold bars of ICBC include 20 grams, 50 grams, 100 grams, 200 grams, 500 grams, and 1000 grams. The color is 99.99. At present, ICBC does not sell 20 grams of gold bars. The "Ruyi Gold" gold bars at the ICBC have not launched the repurchase business. Investors can only buy the "Ruyi Gold" gold bar from ICBC. ● Construction Bank "Long Dingjin" is the unified brand name of the personal gold trading business of Construction Bank. At present, the brand includes two major businesses: personal account gold transaction and personal physical gold trading. At present, the Construction Bank has four categories of "Long Dingjin" physical gold products. The product color is 99.99. Depending on the needs of customers and market demand, each type of product has been designed with different types and specifications: 50 grams, 100 grams, 200, 200, 200, 200 There are four types of grams and 500 grams. The reporter learned that the price of "Long Dingjin" physical gold is quoted in real time by the bank. Among them, the prices of "Long Ding Gold" gold bars and the New Year's gold bars are the same. It is different, mainly because the processes of various types of physical gold are different, so the price is different. "Long Dingjin" personal physical gold sale time is from 10:00 to 15:30 from Monday to Friday. At present, the bank's physical gold trading has not yet opened a repurchase business. Sales Bank: Industrial Bank and Shenzhen Development Bank The personal physical gold transaction is actually a variety of investment in Shanghai Gold Exchange. At present, two domestic banks are comprehensively agent in personal physical gold transactions, namely Industrial Bank and Shenzhen Development Bank. Unlike the personal physical gold trading business launched by the bank, investors conduct personal physical gold transactions, which can be profitable through "low buying and high sale", or directly extract the physical gold and put them at home. The Industrial Bank and Shenzhen Development Bank opened this business. Personal investors can invest in the Shanghai Gold Exchange's personal physical gold variety through the bank through banks to open the gold trading account, and the legal person investor can also invest in the physical gold variety and delay business variety through the transaction system. The gold investment varieties launched by the two agency banks to the market are two types of AU99.99 and AU100 grams, and the starting point of the transactions of these two gold investment varieties is 100 grams. According to the current gold price, investors want With a funds of about 20,000 yuan, personal physical gold transactions can be performed. If investors who want to invest in the personal physical gold transaction of the Shanghai Gold Exchange, they need to go to the bank outlets to apply for a debit card or wealth management card with a valid ID card, and then sign the "Personal Gold Trading Agreement" with the bank to apply for People entrust banks to apply for a gold trading account at the Shanghai Gold Exchange account card system, and then investors can conduct physical gold transactions through online banking and telephone banks. At present, the purchase and sale time entrusted by the Shanghai Gold Exchange's personal physical gold transaction is every Monday to Friday (except for national legal holidays). Personal account gold transaction (also known as "paper gold") Sales banking: Bank of China, Construction Bank, Industrial and Commercial Bank of China Speaking of account gold transactions, some investors may not be familiar with it, but many investment Those who should have heard of "paper gold", which is actually a concept of account gold -unlike personal physical gold trading and personal physical gold transaction, account gold is actually an investment tool. To enter a certain amount of gold to rise, it can use the fluctuation of gold prices in the international market to earn investment income. ● Bank of China The first personal gold business approved by the Banking Regulatory Commission. At present, the "Golden Treasure" (often called "paper gold") business has operated successfully. The "Golden Bao" trading currency is RMB. According to the international gold market quotation, there is no need to deliver the fees. Investors can buy low throws and earn differences by grasping the market trend low. The "Golden Treasure" in the "Golden Treasure" 24 -hour transaction, the transaction is based on "gram", and the minimum transaction volume is 10 grams of gold (equivalent to about 2,000 yuan). The excess of part of the transaction volume must be the entire number. Investors only need to open a total number of RMB accounts for the Bank of China for one -time accounting account. At the same time, the telephone trading function is opened, and the bank, telephone, online, and self -service terminal can be used to register on the website of the bank. "Golden Treasure" uses international gold quotes, at a price of 1 ounce = 31.1035 grams, and the quotation of USD/CNY is discounted to RMB. The bank will have two offers, one is the selling price, and the other is the purchase price. The selling price of the bank is actually the customer's purchase price. The purchase price of the bank is actually the customer's selling price. ● ICBC The "Golden Master" personal account gold trading business of ICBC also provides investors with a choice of gold speculation. Personal customers rely on the ICBC's multi -currency account or RMB gold account, and based on the international gold market quotation, the US dollar against gold (ounces) and the RMB -gold (gram) trading. If investors can query the offer and conduct transactions through the counter, telephone banking, online banking, etc., and the transaction method also has instant transactions, profit commission, stop loss commission, and two -way commission. Essence The investors can handle the instant transactions and entrustment transactions of the account gold trading business through telephone banking, online banking, and self -service terminals. The time is from 7 am to 4 am on Saturday on Monday (the specific transaction time is subject to the actual regulations of the local ICBC), and the 24 -hour uninterrupted period is implemented during the period. ● Construction Bank Thekin's personal account gold transaction has been launched for two or three years. The "Long Dingjin" account gold is a financial investment product that investors open a gold account at the Construction Bank and conduct trading. The transaction variety of "Long Dingjin" account gold is divided into AU99.95, AU99.99 and other types according to the color. It is 10 grams and the transaction commission is an integer multiple of 1 grams. The quotation unit of the "Long Dingjin" account gold is RMB/gram, and the minimum price change unit is RMB 0.01, which is a real -time quotation, and the change is small. If investors can be sold in real time according to the sale and selling quotes of Construction Bank, or you can specify the price to make a commission. The entrusted hanging orders are divided into profit hanging orders and stop loss. The introduction of five gold investment in the Chinese market and applicable people ⒈ Memorial gold coins, New Year's gold bars: physical delivery, poor collection function, poor transaction costs -suitable for familiarity with familiarity Middle-aged and elderly artistic financial management of the postal or collectible market ⒉ Golden jewelry: physical delivery, has a collection function, poor monetization ability, high transaction costs, easy to damage - 金 Standard gold bars buy and sell: physical delivery, good circulation, need to pay for security, appraisal and other costs, and higher trading costs -suitable for rich people with more free money ⒋ paper gold business : Voucher-type trading, full transaction, strong monetization ability, low transaction costs, low income, one-way operation -suitable for financial management person who does not have the energy to pay attention to investment ⒌ ： ： ： ： delayed delivery business: Voucher-type trading, margin transaction, high income, two-way bidirectional -suitable for financial management who is enthusiastic about continuous transactions in the financial market and investing in profits, willing to pay for investors who often pay attention to gold
What are the ways for ordinary investors to be suitable for gold investment? 1: The physical gold The physical gold that can be invested on the market mainly exists in three forms, one is gold coins, including ordinary gold coins and commemorative gold coins. Ordinary gold coins refer to the legal currency mainly used for gold coins or pure gold coins. The second category is gold bars, which can also be divided into ordinary investment gold bars and commemorative gold bars with collective value. Investment gold bars are launched by well -known gold companies and can be traded at bank outlets. The purity is greater than 99.99% The third category is yellow with gold ornamental jewelry, mainly with ornamental value. 2: Gold ETF The Gold ETF Fund is a financial derivatives based on gold -based assets and tracking spot gold price fluctuations. As long as you have A -share accounts, you can trade the gold ETF at the opening time. 3: Golden ETF connection fund
Since 2002, China has gradually opened the field of gold investment, and the Shanghai Gold Exchange and Shanghai Futures Exchange have been established. As a result, gold investment was gradually opened, and it was gradually transformed into individual investment varieties until 2005.
but the two major gold trading models have a major shortcoming:
⒈ The two major exchanges of the two major exchanges adopt a transaction mechanism of gathering bidding and matching transactions, which are relatively disconnected from the international gold market; Sexual investment varieties have strong gold prices, but the influence of China's gold market on the international gold market has not yet formed;
⒊ Gold investment varieties of Shanghai Gold Exchange and Futures Exchange cannot provide 24 -hour continuous transactions, resulting in so that Domestic gold prices often have a vacuum opening phenomenon, and investors cannot resist the risk of uncertainty in all aspects;
⒋ The loopholes of the transaction coverage cannot completely suppress the market speculation, leaving the survival space for underground frying gold, threatening investors’s investors. At the same time, it disrupts the national financial order
. At present, individual investors cannot open accounts on the Shanghai Gold Exchange, which means that investors mainly invest in gold through banks. So how to choose a product that suits you in a bank?
For individual investors, there are three main types of gold investment business launched by banks: account gold (only investing, can not be extracted in real objects), personal physical gold sale (can be used in real objects, but there is no repurchase at present, there is no repurchase current Business cannot be sold to banks) and personal physical gold investment (the Gold Exchange authorized banks to start this business, which can invest in both or physical gold). Sales banks: Agricultural Bank, Industrial and Commercial Bank of China, Construction Bank
The banks currently launched in physical gold are mainly Agricultural Bank, Construction Bank, ICBC. The price of physical gold sold by banks is generally higher than the price of the raw material gold of the Shanghai Gold Exchange, because banks also have to calculate the cost of insurance premiums and crafts. Below, let's take a look at the physical gold varieties launched by various banks:
● Agricultural Bank
Iga is the earliest bank to launch personal physical gold trading in the Ningbo market. The following types:
The gold coins sold by Gold Coin Agricultural Bank of China are mainly Olympic commemorative coins and panda gold coins. The specifications of panda gold coins include 1 ounce, 1/2 ounce, 1/4 ounce, 1/10 ounces, 1/20 ounces. According to reports, the price of gold coins is "accompanied by the market", which is set on the basis of the raw material gold of the Shanghai Gold Exchange.
The gold bars sold by the gold bargaining agricultural bank are products of Zhaoyuan Gold in Shandong. The specifications of gold bars are 50 grams, 100 grams, 200 grams, and 500 grams. The price of the gold bars is also quoted by the Agricultural Bank of China on the basis of the raw material price of the Shanghai Gold Exchange.
The "bank brand gold" Agricultural Bank of China will push its own bank's brand gold in late November this year -the "Treasure of the World" gold bar, with 20 grams, 50 grams, 100 grams, 200 grams, 500 grams, etc.
Thisy gold products sold by Agricultural Bank of China have not yet provided repurchase business. Buyers are more used for collecting. Once the bank launches repurchase business, investors can also use "low buying and high sale for sale and selling high sale. "Come to make money.
● ICBC
ICBC has also launched its own brand gold- "Ruyi Gold" gold bar. The "Ruyi Gold" gold bar is the first gold bars that ICBC launched, designed by themselves, and has its own brand name. The gold bars have the "Industrial and Commercial Bank of China" logo and fixed number. "Ruyi" gold bars is the first bank gold bar registered on the Shanghai Gold Exchange (SGE). It is the international standard gold and silver ingot production exemption factory certified by ICBC Gold Market Association for certification. The price is linked to the gold price of the international market. High transparency, the characteristics of convenient investment, gift gifts, gold accumulation, and value storage.
The "Ruyi Gold" gold bars of ICBC include 20 grams, 50 grams, 100 grams, 200 grams, 500 grams, and 1000 grams. The color is 99.99. At present, ICBC does not sell 20 grams of gold bars.
The "Ruyi Gold" gold bars at the ICBC have not launched the repurchase business. Investors can only buy the "Ruyi Gold" gold bar from ICBC.
● Construction Bank
"Long Dingjin" is the unified brand name of the personal gold trading business of Construction Bank. At present, the brand includes two major businesses: personal account gold transaction and personal physical gold trading. At present, the Construction Bank has four categories of "Long Dingjin" physical gold products. The product color is 99.99. Depending on the needs of customers and market demand, each type of product has been designed with different types and specifications: 50 grams, 100 grams, 200, 200, 200, 200 There are four types of grams and 500 grams.
The reporter learned that the price of "Long Dingjin" physical gold is quoted in real time by the bank. Among them, the prices of "Long Ding Gold" gold bars and the New Year's gold bars are the same. It is different, mainly because the processes of various types of physical gold are different, so the price is different.
"Long Dingjin" personal physical gold sale time is from 10:00 to 15:30 from Monday to Friday. At present, the bank's physical gold trading has not yet opened a repurchase business. Sales Bank: Industrial Bank and Shenzhen Development Bank
The personal physical gold transaction is actually a variety of investment in Shanghai Gold Exchange. At present, two domestic banks are comprehensively agent in personal physical gold transactions, namely Industrial Bank and Shenzhen Development Bank. Unlike the personal physical gold trading business launched by the bank, investors conduct personal physical gold transactions, which can be profitable through "low buying and high sale", or directly extract the physical gold and put them at home.
The Industrial Bank and Shenzhen Development Bank opened this business. Personal investors can invest in the Shanghai Gold Exchange's personal physical gold variety through the bank through banks to open the gold trading account, and the legal person investor can also invest in the physical gold variety and delay business variety through the transaction system.
The gold investment varieties launched by the two agency banks to the market are two types of AU99.99 and AU100 grams, and the starting point of the transactions of these two gold investment varieties is 100 grams. According to the current gold price, investors want With a funds of about 20,000 yuan, personal physical gold transactions can be performed.
If investors who want to invest in the personal physical gold transaction of the Shanghai Gold Exchange, they need to go to the bank outlets to apply for a debit card or wealth management card with a valid ID card, and then sign the "Personal Gold Trading Agreement" with the bank to apply for People entrust banks to apply for a gold trading account at the Shanghai Gold Exchange account card system, and then investors can conduct physical gold transactions through online banking and telephone banks. At present, the purchase and sale time entrusted by the Shanghai Gold Exchange's personal physical gold transaction is every Monday to Friday (except for national legal holidays). Personal account gold transaction (also known as "paper gold")
Sales banking: Bank of China, Construction Bank, Industrial and Commercial Bank of China
Speaking of account gold transactions, some investors may not be familiar with it, but many investment Those who should have heard of "paper gold", which is actually a concept of account gold -unlike personal physical gold trading and personal physical gold transaction, account gold is actually an investment tool. To enter a certain amount of gold to rise, it can use the fluctuation of gold prices in the international market to earn investment income.
● Bank of China
The first personal gold business approved by the Banking Regulatory Commission. At present, the "Golden Treasure" (often called "paper gold") business has operated successfully. The "Golden Bao" trading currency is RMB. According to the international gold market quotation, there is no need to deliver the fees. Investors can buy low throws and earn differences by grasping the market trend low.
The "Golden Treasure" in the "Golden Treasure" 24 -hour transaction, the transaction is based on "gram", and the minimum transaction volume is 10 grams of gold (equivalent to about 2,000 yuan). The excess of part of the transaction volume must be the entire number. Investors only need to open a total number of RMB accounts for the Bank of China for one -time accounting account. At the same time, the telephone trading function is opened, and the bank, telephone, online, and self -service terminal can be used to register on the website of the bank.
"Golden Treasure" uses international gold quotes, at a price of 1 ounce = 31.1035 grams, and the quotation of USD/CNY is discounted to RMB. The bank will have two offers, one is the selling price, and the other is the purchase price. The selling price of the bank is actually the customer's purchase price. The purchase price of the bank is actually the customer's selling price.
● ICBC
The "Golden Master" personal account gold trading business of ICBC also provides investors with a choice of gold speculation. Personal customers rely on the ICBC's multi -currency account or RMB gold account, and based on the international gold market quotation, the US dollar against gold (ounces) and the RMB -gold (gram) trading.
If investors can query the offer and conduct transactions through the counter, telephone banking, online banking, etc., and the transaction method also has instant transactions, profit commission, stop loss commission, and two -way commission. Essence
The investors can handle the instant transactions and entrustment transactions of the account gold trading business through telephone banking, online banking, and self -service terminals. The time is from 7 am to 4 am on Saturday on Monday (the specific transaction time is subject to the actual regulations of the local ICBC), and the 24 -hour uninterrupted period is implemented during the period.
● Construction Bank
Thekin's personal account gold transaction has been launched for two or three years. The "Long Dingjin" account gold is a financial investment product that investors open a gold account at the Construction Bank and conduct trading.
The transaction variety of "Long Dingjin" account gold is divided into AU99.95, AU99.99 and other types according to the color. It is 10 grams and the transaction commission is an integer multiple of 1 grams. The quotation unit of the "Long Dingjin" account gold is RMB/gram, and the minimum price change unit is RMB 0.01, which is a real -time quotation, and the change is small.
If investors can be sold in real time according to the sale and selling quotes of Construction Bank, or you can specify the price to make a commission. The entrusted hanging orders are divided into profit hanging orders and stop loss.
The introduction of five gold investment in the Chinese market and applicable people
⒈ Memorial gold coins, New Year's gold bars: physical delivery, poor collection function, poor transaction costs
-suitable for familiarity with familiarity Middle-aged and elderly artistic financial management of the postal or collectible market
⒉ Golden jewelry: physical delivery, has a collection function, poor monetization ability, high transaction costs, easy to damage
-
金 Standard gold bars buy and sell: physical delivery, good circulation, need to pay for security, appraisal and other costs, and higher trading costs
-suitable for rich people with more free money
⒋ paper gold business : Voucher-type trading, full transaction, strong monetization ability, low transaction costs, low income, one-way operation
-suitable for financial management person who does not have the energy to pay attention to investment
⒌ ： ： ： ： delayed delivery business: Voucher-type trading, margin transaction, high income, two-way bidirectional
-suitable for financial management who is enthusiastic about continuous transactions in the financial market and investing in profits, willing to pay for investors who often pay attention to gold
What are the ways for ordinary investors to be suitable for gold investment?
1: The physical gold
The physical gold that can be invested on the market mainly exists in three forms, one is gold coins, including ordinary gold coins and commemorative gold coins. Ordinary gold coins refer to the legal currency mainly used for gold coins or pure gold coins.
The second category is gold bars, which can also be divided into ordinary investment gold bars and commemorative gold bars with collective value. Investment gold bars are launched by well -known gold companies and can be traded at bank outlets. The purity is greater than 99.99%
The third category is yellow with gold ornamental jewelry, mainly with ornamental value.
2: Gold ETF
The Gold ETF Fund is a financial derivatives based on gold -based assets and tracking spot gold price fluctuations. As long as you have A -share accounts, you can trade the gold ETF at the opening time.
3: Golden ETF connection fund