I. Types of bank gold
There are three kinds. They are investment gold, art gold and paper gold.
1, the investment money is the bank's own gold bars, which can be recovered without unpacking. Toll is charged at the market price and used for trading, similar to stock funds, but the lost gold can be passed on to the son.
2. Art gold is as spicy as gold notes, rice bowls and abacus. It's gold, but it's only for sale. The processing fee is much higher than the price of gold.
The difference between paper gold and the first one is that you can't get real gold bars, only when the stock is operated.
Second, banks buy back gold.
First of all, you have to see if you have a precious metal account in the bank. If you have already opened related precious metal transactions, you can conduct related operations in advance through personal online banking or mobile banking on the PC side. Note that it is not redemption, but the extraction of gold and the corresponding physical products.
If you have cash, you can directly consult where you can withdraw real money and make an appointment at the outlet. Basically there are some gold bars in stock. The gold bars of various banks are generally printed with the logo of a bank and cast by designated gold processing enterprises certified by Shanghai Gold Exchange. Fineness: AU999.9, specification: 20,50,100,200,500, 1000.
The mentioned gold bars can be repurchased in the bank. The international gold quotation unit is generally USD | ounce, 1 ounce = 31.1035g. The USD quotation of gold is converted into RMB quotation of gold (RMB | gram) = international gold price * exchange rate/31.1035 *1000.
Third, communication channels:
Exchange channel 1: If gold is gold jewelry, then all Dafu gold jewelry stores in the mall can exchange it accordingly, just comparing the recovery level of gold price;
Exchange channel 2: If your gold is the brand gold of the bank, you can go to the bank and directly ask for recycling and exchange, and many banks will recycle it according to the regulations. At the same time, if you want to know the exchange process and price, you can call 9XXXX first.
Exchange channel 3: If your gold is gold sands, gold bars and the like, exchange channel 1 is ok, or you can find some private old shops or pawn shops that process gold in cities or counties.
Exchange channel 4: if you have acquaintances or friends, you can consider making it cheaper on the basis of the current gold price, and then transfer it to acquaintances or friends after verification;
Exchange channel 5: If your gold is really inconvenient to be converted into RMB, it is recommended to learn the relevant tutorials of online alchemy first, and then buy some equipment for artistic processing.
Fourth:
At present, there are four main ways to realize gold:
1. Guohua Shopping Mall repurchases itself, but it has to pay the handling fee of 2 yuan. When the handling fee 10 yuan is added, the purchase cost actually increases by 12 yuan, and the profit will be lower. Caishikou department store also has similar recycling, but it is only old for new and cannot be realized;
2. Pawnshop