The price of gold has fallen, and many banks tighten your precious metal business. Experts: Gold is more important to functional functionality

Jimu Journalist Leihara

Recently, international gold prices have continued to decline, a new low of several months. Investors who are concerned about precious metals are eager to try, watching the right time to buy. The decline in international gold prices has also been transmitted to the domestic gold market. Visiting Journalists found that on the one hand, the sales of various gold products have increased to varying degrees, and then, on the other hand, many banks have begun to tighten valuable metal business. What is the trend of the future gold price, can investors enter the gold market now?

Gold price reduction to drive gold sales

On the morning of July 25th, the reporter visited a number of shopping mall gold counters to consult and purchase gold jewelry customers.

The reporter learned that since June, with the decline in international gold prices, the price of gold jewelry at the counter has also been adjusted many times. The reporter saw that the sales price of the Football 999 on July 25 was 485 yuan.

The price of a gold brand on the day

"When I came to see last month, the foot gold 999 per gram was still in the early 500s. Today, it only takes more than 480. It feels that the gold price still has a certain degree of decline." Ms. Zhong, who came to buy gold jewelry I like gold jewelry. I heard that the price of gold has declined recently. I deliberately came to the counter to see it.

The person in charge of a gold sales counter said that in the recent period of international gold prices, it was transmitted to the domestic gold market. Some consumers felt that the price would start, which also caused the recent growth of gold jewelry sales.

Gold jewelry displayed at the counter

"There are always questions that there are questions: how do you have so many gold jewelry prices and international gold price differences?" The person in charge told reporters that although the price between different brands will be different, the price of foot gold jewelry at the counter is still more than 400. Customers can see the changes in international gold prices at any time. However, it is impossible for the counter to adjust the price immediately. Although the overall trend is the same, it will be relatively lagging. At the same time, the counter also has the cost of facade, processing, labor costs, and advertising fees, and the jewelry is purchased at high prices before, and it must not be sold at a loss.

"The more important reason for the recent decline in gold prices is that the Federal Reserve raised interest rates in the first half of this year, and the range is not small." Wen Jing, a senior manager of Noah's wealth product, said in an interview with Jimu Journalist. Restaurant also directly led to the decline in gold prices.

Increased investment in investment funds

In addition to the increase in sales of gold jewelry, the reporter found that there were also many investors who came to consult and purchase gold bars. Some investors intended to choose the right time to invest or make up the position.

"Investment gold bars are reliable than buying gold jewelry. After all, the processing fee is less and the cost is lower." Mr. Hu, who came to buy the counter, told reporters that he did not wear gold jewelry. From the perspective of investment Essence Recently, the price of gold has fluctuated, and I often take a look at it.

The reporter learned from the counter that even if some investors are still watching, the sales of investment gold bars have also increased significantly.

Talking about the differences between the domestic gold counter and the international gold price, Wen Jing pointed out that there is a convergence between the gold bars and the international gold price, but there must be differences between this. "Gold crafts or counters have added a certain amount of craft fee. The more precise the production process, the more process fees per gram." Wen Jing said that from the investment attribute It is necessary to go to the cost of spending. Investors invest in physical gold, you can choose to invest in gold bars. Its process is very simple, and the process fee for each gram is relatively cheap.

"The international gold price is eliminated by all additional costs, such as store rent, craft fee, and handling fees for trading transactions. It is a global unified and most fundamental bidding. From an angle, the better the investment attribute of the transaction cost, the better. "Wen Jing further said.

Many banks tighten valuable metal business

Recently, the price of gold has continued to weaken, and many investors are watching and waiting for the opportunity to take out. However, many banks have tightened the precious metal business.

The reporter logged in to the Industrial and Commercial Bank of China Mobile Banking APP, clicking the "precious metal" service, showing that "this business suspended account opening, please see the official website of our bank".

On July 15th, the official website of the ICBC issued an announcement saying that in accordance with the changes in the market situation, from 8:00 on August 15, 2022, Beijing time, the bank will suspend account gold and the account of the account of the account. The opening order of the transaction will be automatically invalid, and the liquidation transaction of holding customers will not be affected.

In addition, recently there are many banks such as Construction Bank, Huaxia Bank, and other banks to tighten valuable metal business. During the year, many banks such as Everbright Bank, Industrial Bank, and Ping An Bank have adjusted actions, including restricting new account opening and increasing margin ratio. Suspend buying transactions and lifting agency relationships.

"Banks tighten precious metal transactions. From the most fundamental reason, gold is eventually a shelter asset, and the golden gold has huge uncertainties." Wen Jing pointed out that the fluctuations in the short -term stir -frying gold and the long -term future of the future Investment growth space is unclear. Gold is different from the money in the form of currency. There is no interest mechanism. In terms of gold's asset allocation, we use it more as a functional use. When buying and selling gold, many people will speculate in gold. This is very risky for layman investors. Therefore, some banks have restricted this business. Essence Expert: Gold is more important for functionality

"The trend of the subsequent gold price is not allowed." Wen Jing explained that in the short term or long -term, combining the current international environment and the historical trend of gold prices, there is actually a future judgment direction.

"But there is still a large principle direction, that is, if the uncertainty of the international situation is getting stronger and stronger now, then there must be a certain amount of gold in his hand." Wen Jing believes that this gold is not used to invest, but it is It is necessary to give play to its functionality, that is, in case the currency attribute fails and the purchase power is lost, then gold is the most important thing that can buy things, and the functionality of gold is very strong.

When talking about the gold of ordinary people, Wen Jing pointed out that the common investment method is to go to the counter or bank counter to buy investment gold bars. From the price and cost consideration, this method is better than buying gold crafts; the other is to go to go The share of buying gold can also buy gold -connected public funds in China. The trend of gold prices is strong and the trend of this public fund is strong. That is to say, investors do not need to buy gold, but they can buy one exactly the same as the gold trend. Public funds that can be purchased on both banks and fund sales platforms. As for the investment method of gold T+D with great risks, Wen Jing is not recommended to participate in ordinary people.

- END -