金价可能大跌开始了，26年1月18日黄金跌价

Group 1 - The overall gold price in domestic jewelry stores remains stable, with most brands unchanged from the previous day, while a few stores made slight adjustments. The retail price for gold jewelry is around 1186 CNY per gram for Shui Bei, and major brands like Chow Tai Fook and China Gold are around 1436 CNY per gram [1] - Some brands experienced minor fluctuations: Liufu Jewelry at 1434 CNY per gram, Chow Sang Sang down to 1429 CNY per gram, and Lao Feng Xiang up to 1436 CNY per gram [1] - The retail gold price is influenced not only by international and trading factors but also by brand premiums, channel costs, and processing fees, leading to slower and more limited short-term fluctuations [2] Group 2 - Bank and institutional gold bar prices are closer to market trading logic, with current quotes ranging from 1045 to 1050 CNY per gram. For example, Agricultural Bank's gold bar is approximately 1046.2 CNY per gram, while Shanghai Gold Exchange's standard gold bar is around 1031.5 CNY per gram [3] - The price of silver bars varies widely, with some channels quoting around 22 CNY per gram, while others are closer to 20 CNY per gram based on standard silver prices [3] Group 3 - The Shanghai Gold Exchange shows slight fluctuations in gold prices, with Au9999 dropping to around 1029 CNY per gram and the gold recovery price at approximately 1017 CNY per gram, reflecting a discount due to various costs [5] - The increase in gold prices has led to a rise in demand for physical gold bars and jewelry, but there are challenges in safe storage, particularly in first-tier cities where bank safe deposit boxes are in short supply [6][7] Group 4 - The demand for safe storage is driven by increased physical gold holdings and concerns about theft, while banks face challenges in expanding safe deposit box services due to high maintenance and compliance costs [7] - The cost of safe deposit boxes varies significantly by city and box size, with small boxes costing hundreds of CNY annually and larger boxes potentially reaching thousands. Investors should evaluate the balance between rental costs, safety benefits, and liquidity [9] Group 5 - A combination of physical and non-physical investment methods is recommended, such as using gold ETFs or accumulation gold to reduce storage pressures. For those needing physical gold, choosing reputable channels and understanding buyback policies is crucial [10] - The current stability in retail gold prices contrasts with more pronounced fluctuations in trading and recovery prices, highlighting the importance of distinguishing between jewelry consumption, investment gold bars, and trading products [10]