With the Chinese New Year approaching, many banks have launched a variety of precious metal products including gold bars, transfer beads, gold banknotes, gold coins, gold medals, etc., and many consumers choose to buy investment gold bars from banks and then process them into gold jewelry in gold shops. "Going to the bank to buy gold bars and then going to 'hit three golds' will be much more cost-effective than going to a brand store to buy gold, and I went to buy gold bracelets to save thousands. Xiaozhi, a consumer in Guangxi who is preparing for marriage, told reporters.
Xiao Zhi calculated an account for the reporter, he plans to buy a 30-gram gold bracelet, the price of investment gold bars is generally about 495 yuan per gram, plus the activity of 5 yuan per gram, counting the processing fee, the bracelet can be almost 15,000 yuan, and the 30-gram ancient bracelet in the gold store is about 20,000 yuan.
On social platforms, many netizens also called "gold bars and bracelets are too worthwhile". Xiao Zhu, a consumer in Beijing, said: "The price of pure gold in Chow Tai Fook is 626 yuan per gram, while the price of ICBC Ruyi gold bars is about 497 yuan per gram, a difference of 129 yuan. Find a store to process by yourself, the labor cost of the ancient bracelet in the plain circle is about 15 yuan per gram, and the loss will generally be offset according to the price of the large market, but the labor cost of a 30-gram bracelet in a brand gold store is often 1,000 yuan less. ”
The reasons why the price of gold in banks is lower than that in gold stores can be as follows:
1. Channel costs: Banks, as financial institutions, usually have a larger supply chain and sales network, and can purchase gold bars in bulk directly from gold mines, gold sand mills or large gold dealers, so their channel costs are relatively low.
2. Long-term supply contracts: Banks can enter into long-term supply contracts with suppliers to ensure a stable supply of gold and low purchase costs.
3. Sales size: Banks usually sell gold on a larger scale than gold stores, so they can reduce costs by selling more and be able to obtain better wholesale prices.
4. Quality and assurance: Bank gold generally has stricter quality control and certification, and buyers can buy it with relative confidence. In addition, banks often provide better after-sales services, such as the identification and repurchase of gold bars.
However, it should be noted that in practice, the price of gold will be affected by factors such as market supply and demand, international gold price, bid-ask spread, manual processing costs, etc., so the specific gold price may vary at different times and places. It is advisable to make the most reasonable decision by comparing the quotes of different channels and institutions, as well as paying attention to the market conditions, before buying gold.
Of course, the pressure on bank gold DIY mainly comes to the consumer side. The gold recycling scheme may exist in the behavior of some unscrupulous merchants or individuals, who may take the following measures:
1. Eight taels: Nowadays, many anti-counterfeiting anchors have exposed the "eight taels" of some gold recycling merchants, and some unscrupulous merchants make a fuss from the "weight" and underestimate the value of gold in order to obtain high profits.
2. Deduction of fees: Some merchants may deduct fees in various names, such as recycle fees, packaging fees, etc., to reduce the actual recycling price.
3. Mixing up counterfeit goods: Some unscrupulous traders may deliberately mix in counterfeit gold products and set their recycling price at the price of real gold, so as to make huge profits.
4. Swapping gold: Some unscrupulous traders may deliberately swap recycled gold for lower quality or counterfeit metals, which may be difficult for recyclers to detect.
5. Misrepresentation of damage: Dishonest merchants may deliberately claim that the recycled gold product is damaged or defective and reduce the recycling price accordingly.
Therefore, bank gold DIY seems to be beautiful, but in fact, it also needs technology, and I hope that consumers can improve their risk awareness and get a good consumption experience.