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Still buying physical gold?"Senior investor" has rushed here, and many banks have emerged "thresholds" urgently!

Still buying physical gold?"Senior investor" has rushed here, and many banks have emerged "thresholds" urgently!

Original title: Are you still buying physical gold?”Senior investor” has rushed here, and many banks have emerged “thresholds” urgently!
After the transaction was closed on March 29 (15:30), the Agricultural Bank of China Stock Connect 2 will be adjusted to 550 yuan at a rated investment starting point, and the increasing transaction unit remains unchanged (10 yuan).After this adjustment, the starting point of the fixed investment transaction of the bank’s deposit 2 was increased by 50 yuan.Golden Tong is the golden accumulation business launched by Agricultural Bank.China Business Daily reporters have learned that with the rise of gold prices, in addition to the Agricultural Bank, many banks such as Construction Bank, Bank of China, China Merchants Bank, and Bank of Ningbo have “officially announced their official announcement”.From the range of 100 yuan to 120 yuan.Regarding the reason for adjustment, various bank announcements showed that domestic gold prices have fluctuated greatly in the near future.Industry insiders believe that the starting point of the golden accumulation business means a higher gold investment threshold.This move also reminds investors to pay attention to gold investment risks, do a good job of risk management, and invest rationally to avoid blindly follow the trend.
1
Relding the starting amount
On March 11, the Bank of Ningbo said in the announcement that since March 21 this year, the accumulated deposits have been adjusted from 500 yuan to 600 yuan, and the number of purchases is maintained at a weight of 1 gram.If the purchase amount is less than 600 yuan, the transaction application will not be successfully submitted.Earlier, the Construction Bank also officially announced the regular accumulation of the golden accumulation of the entire individual’s golden accumulation, and the adjustment of the adjustment was consistent with the Bank of Ningbo.Bank of China also announced on March 14 that when investors purchase accumulated gold or create a fixed investment plan at a amount, the minimum purchase amount will be adjusted from 480 yuan to 600 yuan.While raising the amount of gold accumulation of gold, China Merchants Bank made it clear that time will be extended to prolong the purchase and redemption service time of the gold account business: from 9: 00-22: 00 Beijing time Beijing time from 9: 00-24: 00.What is the golden accumulation business?Some people “know this”, and some people are confused.According to the “Interim Measures for the Management of Gold Stocking Business” issued by the central bank, the golden accumulation refers to the financial institution to open a gold account for customers in accordance with the agreement with the customer to record the liability business of a certain amount of gold during a certain period of time.The golden accumulation business is limited to the opening of the banking deposit financial institution.When the banking deposit financial institution is priced at the accumulation of gold, it can refer to the price of the Shanghai Gold Exchange or other fair prices in the market.”First of all, there must be a bank card from the ICBC, and then use the mobile banking to operate. Enter the accumulated precious metal interface in mobile banking, and there are two ways to choose from to take the initiative to accumulate and accumulate.Buy gold products according to the amount. “On March 27, the reporter consulted the accumulation gold business as an investor.Problems such as physical gold or implementation of redemption, pledge loan.”Multiple banks have raised the regular accumulation of personal golden accumulation business, which also reflects banks’ attention to risk management. In the context of high gold prices, banks can screen out the starting point amount, which can screen out more risk tolerance investors and reduce reduction.Business risk. At the same time, this also helps investors to invest rationally and avoid blindly. “Liu Chunsheng, associate professor of Central University of Finance and Economics, told reporters.
2
The accumulation of gold business is high hot
After the international gold price hovering at the price of about 2,000 US dollars/ounces at the beginning of the year, it has risen all the way to a maximum of 2,200 US dollars per ounce, an increase of 6%during the year, reaching half of the increase last year.The price of Shanghai Jin also followed one after another, and continued to rise after breaking 500 yuan/gram. The closing price on March 26 reached 514.20 yuan/gram.Buy up or not.Following the popularity of gold bars and gold jewelry, the bank’s accumulation of gold business has also been “stared at.””Recently, the number of customers who consult the accumulated gold business has increased significantly, and the sales volume of the product is considerable.” The reporter visited several bank outlets, and the feedback obtained was this.Some financial management managers told reporters that although the accumulation of gold is high, the gold bar is still the most popular, and it is the “white moonlight” in the hearts of investors.”Do you want to buy it?” “How to buy?” “When will you buy?” The reporter saw that in social media, there were also a lot of discussions on deposits and real -time price of accumulated gold.”The real thing is more expensive, and how to keep it is also a problem. The accumulation of gold is equivalent to‘ paper gold ’. It is convenient to buy.” Kangkang (pseudonym), who was self -proclaimed with “senior gold investors”, told reporters.”Moreover, a small amount of purchase can also reduce costs. Buy in different times, buy 1 gram of 300 yuan, buy 1 gram of 350 yuan, and buy 1 gram of 400 yuan, which is equivalent to the average of 350 yuan per gram.You can also wait for it. “Kang Kang also shared the” investment recipe “to reporters at the same time.”As soon as the accumulation (gold) is deep, golden beans have been passers -by since then.” Earlier, he was keen to sacrifice Jin Dou’s mistakes (pseudonym).Jin can also buy it with one gram and a gram. The price is cheaper. Unfortunately, I did n’t know the depository business earlier, and I can spend less money. “Of course, some people still have a soft spot for the golden bars.”Buying gold in the bank wants to save gold and gold bracelets, and consulted the accumulation of gold business. Although the grade price is cheaper than the ICBC (physical gold), it can also be exchanged for physical gold.It’s troublesome, it’s better to buy gold bars directly. “Consumer Xiao Mo (pseudonym) said to reporters.”The high price of gold has indeed brought more attention to the golden accumulation business.” In Liu Chunsheng’s view, as a kind of hedging asset, gold can often attract investors’ attention when the financial market fluctuates.With the rise of gold prices, investors’ investment demand for gold has also increased accordingly, thereby promoting the development of the golden accumulation business.”Because the minimum business unit of the golden accumulation is 1 gram, the investment threshold is low, which has a great attraction to investors.” Lou Feipeng, a researcher at China Post Bank, believes that the golden accumulation business is relatively small due to the relatively few funds. The trading rules are simple.The risks that can be decentralized by the price fluctuations of gold are the golden channels for ordinary investors to be more enthusiastic.
3
The marketing intensity increases
At the high price of gold, the bank’s personal gold accumulation business heating up. While increasing the investment threshold, some banks have also increased the promotion of accumulated gold.China Business Daily reporters have sorted out and found that in the near future, many banks such as Bank of China, Industrial and Commercial Bank of China, Minsheng Bank, and Shanghai Rural Commercial Bank have launched relevant activities related to accumulated gold, including the number of gold grams after holding a fixed period.Provide a lottery for the accumulated gold customers and the deduction of transaction fees and other discounts.Among them, the Bank of China Xinjiang District Branch launched the accumulated gold theme day discount event. By December 31st, the bank’s deposit deposit was purchased every Friday, or the deposit deposit deduction date was Friday, and you can enjoy a 1 yuan/gram discount.Customers who buy a large amount of money can also enjoy the purchase discount ranging from 9.96-9.999 %.The Xiangyang Branch of Industrial and Commercial Bank of China launched a “accumulation and gift” event. Before May 31, customers took the initiative to accumulate money to participate in the lottery.ICBC Jinjiang Branch has also launched similar activities: deposit deposits can enjoy a lottery of 20-50 yuan WeChat stocking.Minsheng Bank has previously launched the “Payment of Payment of deposit deposit” activities.In 2024, each successful purchase deposit deposit deposit in Shanghai Rural Commercial Bank can get 30 yuan for WeChat stocks. If you successfully subscribe for 4 pens per month, you can get 60 yuan of WeChat settlement.In Zhou Maohua’s view, global gold prices have repeatedly reached a new high, which has aroused the market’s attention to gold investment. For commercial banks, the gold business helps to expand the profit space of banks, further acquiring customer drainage, thereby driving the development of business.
4
Pay attention to investment risks
The precious metal investment is hot, the banking industry actively carries out the promotion of precious metal business, and it is also related to the “confidence” given by the central bank’s increase in gold.At present, my country’s central bank’s gold reserves have increased for 16 consecutive months.At the end of February 2024, the central bank’s gold reserve was reported to 72.58 million ounces, an increase of 39,000 ounces from the previous month.China Merchants Bank Research Institute believes that the central bank’s increase in purchase of funds is the main reason for supporting gold prices. From the middle period (1-2 years), the central bank has increased the trend of increasing their holdings in gold, and it has not seen signs of reversal. It is expected that it will continue to become a continued to become a continued becoming.Important driving force for gold prices.In the long run (3-10 years), there is a threshold for emerging market banks to increase its holdings of gold. When the proportion of gold in reserve assets gradually approach this threshold, the impact on the profitability of gold prices will gradually passion.Gold is still in the rising cycle. In 2024, London is expected to break through 2,300 US dollars per ounce. It is recommended to maintain a medium -high match.However, the price of gold in the short term may fall.Nicholas Snowdon, head of the Industrial Metal Research Team of Goldman Sachs Research, said in a recent research report that the initial promotion factor of breakthroughs in gold prices is the support of US economic data and actual interest rates (brought to gold prices) supporting.The transition, but because the upsurge of the gold price far exceeds the expected increase brought by these two factors alone, the larger upward range may reflect the short -term kinetic energy investment systematic buying.Under the influence of no other major data or geographical incidents, the biggest possibility of gold price in the short term is to enter another consolidation stage and reproduce the scene of the rising gold price rose in the fourth quarter of last year.People in the industry generally stated that there are rising and falling, and investors should also rationally look at the risk of gold investment.”The price of accumulated gold will change during the transaction period. Buy in the morning, there may be the possibility of falling in the afternoon. Now the price of gold is at a high level, and the trend of the future (gold price) is not easy to judge.The customer manager told reporters.”The golden accumulation business is not stable and not compensated. The income of the accumulation of gold is greatly affected by the fluctuation of the price of gold. Investors need to reasonably allocate the proportion of gold such as gold, and diversify the assets to achieve the effect of decentralized risks. In addition, the investors are in the fact that the investors are inWhen choosing the golden accumulation business, you should also pay attention to the bank’s service quality, cost and other factors, and choose the investment method that suits him. “Liu Chunsheng said.Some banks have further reminded that if you choose to accumulate regularly, you can make a small rated investment in installments and buy gold in batches for a long time, which can effectively disperse the risk of large investment.(Reporter Wang Tongxu)
Note: This article does not constitute any investment advice
Source: China Business Daily WeChat public account
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