黄金“代购”火了！律师紧急提醒：风险极高

Core Viewpoint - The recent trend of consumers using personal shoppers to purchase gold bars in Shenzhen's Shui Bei market amid rising gold prices raises concerns about potential risks associated with this practice [1][3]. Group 1: Market Dynamics - A new tax policy on gold, effective November 1, 2025, alters the tax deduction rules for non-investment gold, leading to increased costs and price adjustments in the Shenzhen Shui Bei market [3]. - Some merchants in the Shui Bei market are reportedly selling gold below real-time prices, prompting consumers to use personal shoppers to save significant amounts, with reports of savings nearing 10,000 yuan [5]. Group 2: Consumer Perspectives - Consumers express a preference for formal gold transactions, indicating a belief that regulated purchases are safer [7]. - The convenience of logistics and transparency in the current market has led some consumers to feel less concerned about the risks associated with using personal shoppers for gold purchases [9]. - The high cost of traveling to Shenzhen for direct purchases has made the option of using personal shoppers appealing, especially with reliable logistics and quality inspection companies available [11]. Group 3: Legal and Security Risks - Legal experts warn that the process of using personal shoppers for gold purchases carries significant risks, including potential legal liabilities for all parties involved: consumers, personal shoppers, and courier companies [13]. - There are concerns about financial security, as dishonest personal shoppers could abscond with funds, and the separation of goods and money raises money laundering risks, which are closely monitored by law enforcement and financial institutions [15]. - Experts highlight that gold, being high in value and small in size, poses risks during shipping, including loss, damage, or tampering, advising consumers to purchase gold from reputable banks or physical stores and to request proper transaction receipts and invoices [17].