金价、银价大跳水！

Group 1: Market Reaction - Gold prices experienced a significant drop, with spot gold falling by 3.21% and later narrowing to a 2.88% decline, priced at $4051.22 per ounce, while futures dropped by 3.53% to $4046.4 per ounce [1] - Silver prices also saw a sharp decline, with futures down over 5% and spot silver dropping more than 3.4% [3] - Both Shanghai gold and silver futures main contracts fell by over 3% [4] Group 2: Mining Stocks Impact - Gold mining stocks in the U.S. pre-market trading also declined, with Kinross Gold and Harmony Gold dropping over 4%, and Agnico Eagle Mines down by 3.8% [5] Group 3: Consumer Behavior and Market Dynamics - Consumers have been utilizing a time-lag strategy to purchase gold bars through runners in Shenzhen's Shui Bei market during rising gold prices, raising questions about potential risks [7] - A new tax policy effective November 1, 2025, alters tax deduction rules for non-investment gold, impacting transaction costs and prices in the Shui Bei market [7] - Some consumers reported finding sellers in the Shui Bei market offering gold below real-time prices, leading to discussions about the viability of offline gold purchasing [9] Group 4: Legal and Risk Considerations - Legal experts warn that using runners for gold purchases poses significant risks, including potential financial fraud and money laundering concerns [13][15] - The high value and small size of gold make it a high-risk item during shipping, with risks of loss, damage, or substitution [16]