Product Description: "Ruyi Gold" is a physical gold product designed by China Industrial and Commercial Bank with its own brand. In addition to "Ruyi Gold Bar", ICBC also paid "Ruyi Money" on September 26th, 2008. Ruyijin does not provide custody. Investors can choose to withdraw money immediately, or apply for the safe deposit box business of the bank separately, and then pay a certain safe deposit fee according to the regulations.
Product specifications: the purity of "Ruyi Gold" is as follows: Ruyi Gold Bar is divided into six specifications: 20g, 50g, 100g, 200g, 500g,1000mg, and there is no minimum trading threshold; "Ruyi Money" is divided into two specifications: 1 ounce and 1/2 ounce. The branch of 19 designated by ICBC is issued in limited quantities, and the transaction amount is not limited. Product tariff: The price of this product is subject to the listing price of Shanghai Gold Exchange published by Industrial and Commercial Bank of China after 9: 00 a.m. every Monday to Saturday, and no additional fees such as processing fees are charged for the purchase of Ruyi Gold.
Repurchase or not: Jin Ruyi provides repurchase business. If investors buy back in the morning, the price will float down to 3 yuan on the basis of the daily opening price of gold; If it is repurchased in the afternoon, the price will be reduced to 3 yuan on the basis of the transaction price of the first gold in the afternoon of the Gold Exchange. The repurchase time is from Monday to Friday from 9: 30 to 1 1: 30, 13: 30 to 15: 30.
The business is handled during the business hours of ICBC, that is, from 9: 30 to 16: 30 every Monday to Friday, and the buying price of "Jin Ruyi" on Sunday will be the same as that on Saturday.
Industrial Bank: Personal physical gold trading business
Product Description: Industrial Bank's personal gold business is to provide investors with gold trading channels through Shanghai Gold Exchange, acting as an agent for fund settlement and physical delivery. Investors can not only withdraw gold when needed, but also trade physical gold on the gold exchange through online banking or bank counters to earn fluctuating price difference.
Technical specification of products
: The physical gold products of Yexing Bank include AU 100g, and the trading starting point is 100g.
Product tariff
The price of this product is subject to the gold quotation of Shanghai Gold Exchange. At present, banks are free of custody fees for personal physical gold, but investors need to pay a certain proportion of transportation fees to banks according to the delivery weight when withdrawing money. In order to make up for the shortage of physical gold in weight, the bank will also freeze the investors' certain excess and deficiency fees for secondary liquidation according to the proportion of 300 yuan per kilogram.
Whether to buy back
Once the physical gold is delivered, the bank is neither responsible for repurchase nor warehousing transactions. Investors can only sell to gold processing enterprises at a discount if they want to realize cash.
The trading hours of this business are the opening hours of Shanghai Gold Exchange, that is, every Monday to Friday from 9: 00 to1:30, 13: 30 to 15: 30, 2 1: 00 to 2: 30 the next morning.
China Construction Bank: "Long Jinding" invests in gold bars.
Product introduction
"Longdingjin" investment gold bar is a physical gold product designed by China Construction Bank with its own brand. The logo and number of "China Construction Bank" are printed on the gold bars. If the investor does not withdraw gold immediately, the bank will charge a monthly 2 yuan storage fee for each gold bar with a specified number of blocks; If the investor does not specify the block number, the bank will waive the custody fee.
Technical specification of products
The product colors of "Longdingjin" investment gold bars include 50g, 100g, 200g and 500g, and the minimum investment threshold is 50g.
Product tariff
The price of this product fluctuates daily according to the quotation in the international gold market. Due to the production and transportation costs, its price per gram is higher than the price quoted in the gold market in the same period. In addition, investors have to pay extra packaging fees when buying.
Whether to buy back
"Longdingjin" investment gold bars are physical gold products that can be repurchased, and banks will repurchase flawless gold bars according to the purchase price on the day of repurchase.
Business processing time is from 9: 30 to 15: 00 every Monday to Friday.
China Merchants Bank: Personal Gold Agency Business
Product introduction
China Merchants Bank's personal gold business mainly sells standard gold bars of Chengdu Gaosaier Gold and Silver Co., Ltd. The bank does not provide custody, and investors can apply for safe deposit box business separately. Safe deposit boxes are divided into three types: daily rent, monthly rent and annual rent.
Technical specification of products
: The unit of measurement of the standard gold bars in Gaussel is troy ounce (1 ounce = gram), including 2 ounces, 5 ounces and 10 ounce. The purity of the product is 2 ounces.
Product tariff
The price of standard gold bars in Gasell is subject to the quotation of Shanghai Gold Exchange, and investors need to pay a processing fee of RMB 0.09 per ounce and a handling fee of RMB 65,438 per gram.
Whether to buy back
China Merchants Bank repurchases personal physical gold, and the bank will refund the processing fee per ounce of 62 yuan to investors on the basis of the purchase price of the standard gold bars in Gaussel on that day.
Business hours are from Monday to Friday from 9: 00 to 12: 00, 13: 00 to 16: 30. Investors can handle it at outlets in Chengdu, Qingdao, Nanjing, Guangzhou, Shenyang, Changsha, Tianjin, Wuhan and Hangzhou.
Agricultural Bank of China: "Zhaojin Jinbao" and Gaosaier standard gold bars.
Product introduction
The personal physical gold agency business of China Agricultural Bank mainly sells the standard gold bars of Shandong Zhao Jin Group Co., Ltd. and Chengdu Gaosaier Gold and Silver Co., Ltd., and the bank does not provide custody. Investors need to withdraw gold in time or apply for the safe deposit box business of the bank separately. Safe deposit boxes are divided into six months and one year.
Technical specification of products
"Mega-Golden Treasure" includes Class A investment standard gold (30g, 50g, 100g, 200g) and Class B and C standard gift gold. The purity of gold bars are all Gaussel standard gold bars, which are priced in ounces (1 ounce = gram) and divided into 1 ounce, 2 ounces and 5 ounces.
Product tariff
"Zhaojin Jinbao" adopts a comprehensive quotation system combining the price of LO-CO-LONDON gold market, the price of New York gold market and the price of Shanghai gold exchange, and charges different additional fees according to the specifications of gold bars.
The price of Gaosaier standard gold bars is subject to the quotation of Shanghai Gold Exchange. At the time of purchase, investors also need to pay a processing fee of RMB-0/09 per ounce and an agent sales fee of RMB-0 per gram.
Whether to buy back
"Zhao Jin Jinbao" does not provide repurchase business, but the standard gold bars of Gaosaier can be repurchased, and investors need to go to the original outlets to buy gold bars. For gold bars that meet the repurchase conditions, the bank will refund the processing fee per ounce of 62 yuan on the basis of the purchase price of the day, and investors will also have to pay the agent redemption fee of RMB per gram.
The business is handled during the business hours of China Agricultural Bank from Monday to Friday, and investors can trade at designated outlets in Beijing, Tianjin, Hebei, Shanghai, Jiangsu, Zhejiang, Fujian, Shandong and Guangdong.
Shenzhen Development Bank: "Jubao"
Product introduction
"Jujinbao" personal physical gold business is a gold investment product jointly developed by Shenzhen Development Bank and Shanghai Gold Exchange. Investors can not only extract gold from long-term collections, but also keep it on behalf of the gold exchange, and trade in the gold exchange through the Shenfa gold trading system to obtain the fluctuation price difference of gold.
Technical specification of products
: "Jujinbao" includes two varieties, and AU 100g, and the minimum trading threshold is 100g.
Product tariff
The price of this product is subject to the listing price of Shanghai Gold Exchange. At this stage, when the transaction cost is the turnover, the bank will waive the gold storage fee. However, when investors withdraw gold, they need to pay the transportation fee of RMB per gram to the bank, and also pay the delivery deposit calculated according to the delivery weight.
Whether to buy back
: "Jujinbao" does not provide repurchase business.
This product adopts three-stage trading time. In addition to national statutory holidays, investors can go to the morning market (from 9: 00 to 1 1: 30 every Monday to Friday), the afternoon market (from Monday to Friday 13: 30 to 15: 30) and the evening market (except Friday, 2/kloc every day)
Admiralty Gold: China Gold Investment Gold Bar
Product introduction
The "China Gold Investment Gold Bar" jointly promoted by Admiralty Gold and the World Gold Council only increases the retail gold price per gram of 8 yuan on the basis of real-time gold price at the time of purchase, and the selling price refers to the selling price of real-time gold price. China gold investment gold bars real-time trading gold prices mainly refer to the Shanghai Gold Exchange. If the Shanghai Gold Exchange is suspended, refer to the international real-time price and the closing price of the international spot gold price on Saturday afternoon and Sunday morning.
Technical specification of products
"China Gold Investment Gold Bar" adopts the internationally accepted ladder shape, and adopts the modern manufacturing technology of casting first and then pressing. * * * There are five specifications such as 1000g, 500g, 200g, 100g and 50g.
Whether to buy back
After consumers buy investment gold bars, they can cash them directly at China Gold Flagship Store or other designated gold shops at any time, and the 3 yuan handling fee is charged for each gram with reference to the real-time gold price.
Bank physical gold purchase method:
To buy physical gold in the bank, investors only need to hold cash or valid certificates such as savings cards and ID cards opened in the bank to buy at the price announced by the bank, and the bank will issue invoices, transaction orders and other certificates for investors. Investors can choose to take the physical gold away or entrust it to the bank for safekeeping.
Investors are like buying gold ornaments in a gold shop. After paying the bill, they need to take the gold bars home. However, unlike gold shops, buying physical gold in banks can ensure its quality on the one hand, and its quotation is linked to the international gold price, which is highly transparent.
Investors only need to hold cash, bank cards or transfer money to buy at the designated outlets or counters of the bank according to the listing price announced by ICBC on the same day. However, because the deployment of physical gold takes time, investors need to make an appointment one day in advance. Moreover, investors in physical gold have to go to the bank counter every time they buy and sell gold, and they have to go through the quality inspection procedures of gold, which is not suitable for short-term investors.