实探 | “租箱子比买金子难多了！”

Core Insights - The demand for bank safe deposit boxes has surged due to rising gold prices and geopolitical risks, leading to a situation where many banks are fully booked and customers are facing long wait times to rent a box [1][5]. Group 1: Market Demand - Since 2025, the continuous rise in gold prices has fueled investor interest in acquiring gold, resulting in a significant increase in demand for bank safe deposit boxes [5]. - Many investors prefer to store their physical gold in bank safe deposit boxes for security reasons, as they feel safer compared to keeping it at home [6]. Group 2: Supply Constraints - Banks are experiencing a shortage of available safe deposit boxes, with reports indicating that all models are currently rented out and customers are waiting in line, sometimes with over a hundred people ahead [2][5]. - The supply of safe deposit boxes has not kept pace with the growing demand, leading to a situation where potential renters are advised to wait for existing customers to vacate their boxes [6]. Group 3: Pricing Structure - Different banks have varying pricing structures for their safe deposit boxes, with fees based on the size and type of the box. For example, the smallest box at China Merchants Bank has a monthly rental fee of 50 yuan, while the largest can cost up to 42,000 yuan annually [3][4]. - The pricing for safe deposit boxes at Ping An Bank also varies significantly, with the smallest box costing 100 yuan per month and the largest reaching 15,000 yuan annually [4].