Recently, the price of gold has continued to rise, and banks have seen a wave of gold buybacks. At the same time, as one of the main channels for gold bar sales, the gold repurchase policies of various banks are slightly different.
On April 16th and 17th, the poster news reporter randomly interviewed a number of banks and found that most banks' recent gold recycling business is very hot, the repurchase price of each bank is not much different, and most banks recycle gold bars sold by other banks.
What are the conditions for banks to buy back gold?
Can I apply on the day?
"Today's repurchase price is about 561 yuan/gram, as long as it is AU999 gold bar, we also accept other banks. On the afternoon of April 16, the poster news reporter called a branch of the Industrial and Commercial Bank of China in Jinan as an investor, the staff said that the repurchase of gold needs to make an appointment to take the number, the current window has 4 customers are queuing up to buy gold, it is recommended that the reporter make an appointment to handle it tomorrow, "these two days to the bank to repurchase gold is very much, because the current repurchase price is also a recent high, gold repurchase business is from 9:00 a.m. to 3:30 p.m., if you can't catch up before 3:30, it is recommended to come again tomorrow." ”
In the ICBC APP, the business introduction of gold repurchase
The staff of ICBC told reporters that the gold repurchase policy of ICBC is based on the AU99.99 gold quotation of the Shanghai Gold Exchange, and the handling fee of 4 yuan per gram is the repurchase price of the customer's real-time payment, and the repurchase price difference of non-ICBC brand gold bars and other gold products is 10 yuan/gram.
The staff of an outlet of the Agricultural Bank of China told reporters that basically all the outlets of the Agricultural Bank of Jinan handle the gold recycling business, but at present only support the recycling of gold bars sold by the bank, "Our recycling price is the gold price of the day minus 10 yuan, and today's recycling price is about 560 yuan / gram, and now only the bank sells the gold bars and has a repurchase certificate." ”
"I don't have time to do it today, so you can make an appointment for tomorrow. When the reporter inquired about the repurchase of gold business, the staff of a branch of China Merchants Bank Jinan said that the appointment of the day was full, "today's recovery price is 565 yuan / gram, you can choose the nearest outlet to make an appointment, other outlets can also be collected, gold bars from other banks can also be recycled, the price is the same." At the same time, the staff said that during this time, appointments can be made one day in advance, "Every day from 9:30 to 3:30 a.m. for gold recycling business, please arrive before 3:30." ”
According to the situation visited by the reporter, many banks in Jinan City support the repurchase of gold, and the repurchase price on the day is about 560 yuan/gram.
Banks also sell gold jewellery, and "gold wealth management" related products are popular
The reporter saw in the China Merchants Bank APP that in the gold column, there are not only gold-related current products, but also gold jewelry. The reporter saw that in the physical gold column, gold commemorative coins, ancient bracelets, gold abacus, gold charms and other types are abundant.
The gold column in the China Merchants Bank APP is rich in content
At the same time, regarding the wealth management products of gold, the staff of China Merchants Bank told reporters that the newly launched "gold profits" product, after buying 100 grams of gold for one year, you can receive 101 grams of gold bars, "equivalent to saving for a year, giving you an extra gram." "Staff introduction.
The staff of China Merchants Bank introduced the newly launched gold-related products
In the ICBC APP, the gold column is also very "lively". There are not only physical precious metals: gold bars, gold coins, ruyi long gold, gold bracelets, but also all kinds of gold ornaments for sale. At the same time, there are also a variety of related financial products.
In the ICBC APP, there are different gold products such as physical gold for sale
According to statistics, CMB Wealth Management, Everbright Wealth Management, IB Wealth Management, Beijing Bank Wealth Management and Ping An Wealth Management have all launched wealth management products linked to gold or allocated to gold assets. Among them, CMB Wealth Management has been ranked among the top 10 holders of Huaan Gold ETF, which is currently the largest gold ETF in the whole market.
It is understood that wealth management companies allocate gold assets through "fixed income + options" products, on the one hand, they obtain basic income with fixed income base assets with less volatility, and on the other hand, "+ options" can be linked to stocks, commodities and other targets to obtain income effects in a specific market environment. At present, most of the gold-related products are linked to SGE Gold 9999 on the Shanghai Gold Exchange.
As the price of gold reaches its high point, investors are more concerned about whether they can invest in gold and what products to buy. In the eyes of industry insiders, compared with products such as physical gold and gold funds, "fixed income + gold" wealth management is more suitable for customers who are optimistic about gold assets but are unwilling to bear excessive fluctuations.
"Although physical gold such as gold bars and gold coins have low entry thresholds and good ornamental and commemorative value, they also have high buying, storage and selling costs, and are not easy to realize. Industry insiders believe.