黄金征税48小时，银行停业务、商家火速下架，普通人还能买吗？

Core Viewpoint - The recent announcement by the Ministry of Finance and the State Administration of Taxation regarding gold tax policies has caused significant turmoil in the gold market, leading to a sharp increase in gold prices and a halt in gold accumulation services by banks [1][2][10]. Group 1: Market Reactions - Within 48 hours of the new policy announcement, banks suspended gold accumulation services, and e-commerce platforms saw a near-total disappearance of investment gold bars [1][2]. - The price of zodiac gold bars surged to 1132 yuan per gram, while previously available wealth gold bars were priced at only 948 yuan per gram [4][10]. - The rush to purchase gold bars from banks resulted in some products selling out in just 4 minutes due to the price difference and the temporary window before the policy took effect [7][10]. Group 2: Tax Policy Implications - The core of the new policy is a 13% value-added tax (VAT) on gold purchases, which significantly affects the cost of buying gold depending on the sales channel [12][16]. - Only gold purchased through the Shanghai Gold Exchange or Shanghai Futures Exchange qualifies for VAT exemption, which means that standard gold bars with a purity of over 99.5% can be bought without this tax [12][14]. - Non-standard gold purchased through e-commerce platforms or non-member stores will incur the 13% VAT, leading to increased prices or product delisting by sellers [16][18]. Group 3: Long-term Market Effects - The new policy aims to optimize the gold market by pushing out non-compliant sellers who cannot compete with banks and large institutions due to the increased tax burden [24]. - The temporary suspension of gold accumulation services by major banks is not permanent; it is a necessary adjustment period to comply with the new regulations [22]. - The long-term outlook suggests that the market will become more transparent and safer for investors, as non-compliant sellers exit the market [24][28].