黄金跌价了，26年1月13日金条降价，国内黄金、金条新价格

Group 1: Gold Market Prices - On January 13, 2026, international gold prices continued a strong trend, with spot prices reaching $4576.3 per ounce, influenced by exchange rates and supply-demand factors. The Shanghai Gold Exchange's spot benchmark price was 1021.8 yuan per gram, while the main futures contract closed at 1025 yuan per gram. Retail prices varied significantly, with major brands like Chow Tai Fook and Luk Fook quoting between 1404 to 1426 yuan per gram, while bank investment gold bars were priced between 1020 to 1037 yuan per gram, resulting in a price difference of up to 400 yuan per gram [2][3] Group 2: Core Drivers of Gold Price Fluctuations - The recent surge in gold prices, breaking historical highs, is driven by three main factors: ongoing geopolitical risks, such as the deteriorating situation in Venezuela, which has reignited risk-averse sentiment, highlighting gold's status as a "hard currency" [4] - The macro monetary environment is shifting, with market expectations that the Federal Reserve will begin a rate-cutting cycle in 2026, leading to a weaker dollar index that directly boosts gold prices. Global central bank gold purchases have become a long-term support, with global purchases exceeding 1000 tons in 2024, and the People's Bank of China continuously increasing its holdings, providing a solid foundation for gold prices. Despite a 65% increase in gold prices in 2025, inflation hedging and currency depreciation will continue to dominate trends in 2026 [5] Group 3: Investment Channel Comparisons - For investors, the choice of investment channel is crucial. While jewelry from gold stores has aesthetic and wearable value, high processing fees and brand premiums significantly diminish its investment attributes, as it can only be redeemed at the original gold price [5] - Bank gold bars (such as ICBC's "Ruyi Gold Bar" and CCB's "Long Ding Gold") and standard gold ingots from exchanges are more suitable for asset allocation, offering lower premiums and higher liquidity [6] - Gold ETFs and "accumulated gold" services provide convenient options for investors who prefer not to take physical delivery, allowing for trading through securities accounts or bank investment systems, effectively averaging holding costs [7] Group 4: Precious Metal Recovery and Valuation - The pricing mechanism for precious metal recovery channels requires attention. Currently, the recovery price for high-purity gold (99.9% and above) is approximately 988 yuan per gram, reflecting a discount of about 30-40 yuan per gram compared to retail prices, which includes refining costs and channel profits. The recovery pricing for K-gold and platinum group metals is more complex, with recovery prices for 18K gold and 999 platinum at 718 yuan per gram and 487 yuan per gram, respectively, strictly based on metal purity [8] Group 5: 2026 Investment Strategies and Outlook - Looking ahead, gold prices are expected to rise amid fluctuations, with some institutions predicting a potential breakthrough of $5000 per ounce. Technically, the $4400-$4500 range serves as strong support, and if this range is maintained, upward potential will be opened [10] - For ordinary investors, a "core-satellite" strategy is recommended, using bank physical gold bars or accumulated gold as the core holding (approximately 20% allocation) to hedge against long-term inflation, while utilizing gold ETFs to capture short-term volatility gains. High volatility is a double-edged sword, and caution is advised when chasing highs; utilizing pullbacks for phased entry is a more optimal solution. Ultimately, gold should serve as a stabilizer in asset portfolios, with its true value lying in countering currency credit crises and preserving long-term wealth [10]