Bring your ID card to the intentional bank outlet to apply for buying gold bars, and the staff will let you open an investment account;
After opening an account, you will apply for a card. When banks stipulate personal physical gold investment business, they must apply for gold account cards;
Consult the account manager or the gold products displayed through the counter to choose the products that are enough to buy;
After selecting the product, pay the purchase fee, and the bank will ask you whether to take it out or keep it in the bank;
If you take out the real thing, then investors get gold bars and invoices. If you don't take out the real thing, investors get the proof of purchase and deposit of gold bars.
Gold bar investment
At present, the main way for domestic individuals to invest in gold is to invest in gold bars, which are divided into ordinary gold bars and commemorative gold bars.
The specifications of gold bars vary from country to country, but according to international practice, gold bars entering the market must be marked with their fineness and weight, as well as the name and number of the refinery when they are cast in the refinery. For example, the gold bars of Gaosaier are divided into three specifications: 2 ounces, 5 ounces and 10 ounces. On the back of each gold bar, there are characters and numbers cast by Great Wall Gold and Silver Refinery of China Banknote Printing and Minting Corporation, as well as anti-counterfeiting marks.
Under normal circumstances, investors often buy gold bars produced by well-known refining companies, which will save a lot of expenses and procedures when selling them in the future. If it is produced by an unknown enterprise, the gold buyer will charge an analysis fee. The gold bars sold by internationally renowned gold merchants are all packed in sealed small bags.
In addition to containing gold, there are reliable seals as evidence. It will be much more convenient to sell gold bars without opening them. In China, the Great Wall Gold and Silver Refinery is by far the largest state-owned gold and silver refinery, the only member of London Precious Metals Market Association among China gold and silver smelters, and was elected as the Shanghai Gold Exchange and the governing unit.
Due to the different trading habits and rules of gold markets in different countries, the unit of measurement of gold is also different. At present, the commonly used unit of measurement in the international gold market is the troy ounce. A troy ounce is a unit of measurement specially used for precious metal commodity trading, which is different from a constant ounce. 1 troy ounce is equal to 28.3495g, while 1 troy ounce is equal to 31.1035g. ..
China used to measure gold in two units, but now it is mainly grams. With the integration of economy and international market, many domestic gold brands use troy ounces to measure gold, and Gaosaier gold bars are one of them.
The prices of ordinary gold bars and commemorative gold bars are different. The issue price of commemorative gold bars shall be formulated with reference to the pricing method of gold ornaments. Generally, its issue price = cost+10% value-added tax +5% consumption tax+profit.
The price of ordinary investment gold bars is based on the spot price of gold plus a certain processing and circulation fee. Therefore, the price of commemorative gold bars is higher than that of ordinary investment gold bars. For example, the price of gold bars in Gaosaier is based on the daily quotation of London Precious Metals Market, the world's largest spot gold market, referring to the price of Shanghai Gold Exchange, plus the processing and circulation fee of RMB-0/09 per ounce (3.5 yuan/gram), which will be returned to 62 yuan (2 yuan/gram) when repurchased.