随着国际金价持续走高，银行销售的投资金条被不少人视为"硬通货"。但金条购买容易，如果想变现，其中还有许多回购规定。比如，各家银行 的回购规则不一样，不是所有金条银行都照单全收，也不是每个银行网点都能回购金条。 那么，去银行买金条时，要关注哪些要点？回购时，有什么问题要注意？ 买时容易卖时难？ 金条变现流程复杂、周期长 半年前，浙江的王先生在手机银行App上购买了50克金条。最近，他拿其中的10克去银行变现，赚了1000多元差价。在王先生看来，黄金价格持 续走高，他很看好投资金条。 王先生回忆，买金条时，银行业务员特意提醒，不要轻易打开金条的塑封膜，以免造成损失。"金条有包装有鉴定证书，塑封膜和包装不要打开， 如果打开，银行可能会拒收。如果银行收，还会去鉴定、称重。" 安徽的苏女士在去银行变现金条时，才发现回购流程较为复杂。 "回购时，要带上买的金条、身份证，还有回执单。银行要查当时购买的流水，包括金条的核实、称重，还要联系厂家，整个业务办下来要一个多 小时。钱也不能立马到账，银行称要把金条寄回厂家，等厂家核实确认无误，钱才到我的卡里，大概要花一两周。" 限品牌限网点、还收折损费 银行回购规则严格 近日，记者来 ...

Market Overview - The three major U.S. stock indices showed mixed performance, with the Dow Jones Industrial Average up by 0.58%, the Nasdaq down by 0.21%, and the S&P 500 slightly up by 0.06% as of the latest update [3][2]. Precious Metals Market - International precious metals experienced significant declines, with spot gold dropping over 5.7% and COMEX gold falling nearly 5%. Spot silver and COMEX silver both saw declines exceeding 7% [4][8]. - Specific price movements included London gold at $4104.66, down 5.76%, and COMEX silver at $47.435, down 7.69% [5]. Gold and Silver Stocks - Gold and silver stocks faced substantial losses, with Harmony Gold down over 11%, AngloGold down more than 10%, and Hecla Mining down over 12% [8]. - The World Gold Council reported that global physical gold ETFs recorded the largest monthly inflow in history in September, totaling $26 billion, bringing the total inflow for Q3 to a record $26 billion [8]. Beyond Meat Performance - Beyond Meat, known as the "first plant-based meat stock," saw its stock price surge by over 300% in three days, following a significant drop below $1 and subsequent recovery [10][11]. - The company announced plans to expand product availability in over 2,000 Walmart stores, which may help alleviate its operational challenges [11]. General Motors Performance - General Motors reported a quarterly revenue of $48.59 billion, slightly down by 0.3% year-over-year, but exceeding market expectations [13]. - The company raised its full-year guidance, projecting adjusted EBIT between $12 billion and $13 billion, and adjusted earnings per share between $8.25 and $10 [15].

与此同时，白银市场同时"崩盘"。截至发稿，伦敦银现报48.18美元/盎司，跌8.02%。 COMEX白银期货日内跌幅达7.69%，报47.44美元/盎司。 社交媒体上，不少买入黄金的网友懵了：我今天才买的。 北京时间10月21日晚间，黄金、白银崩了。 截至发稿，现货黄金一度大跌6.3%，跌破4100美元/盎司关口，北京时间下午15点左右，伦敦金还在4342美元一线交易，短短7个小时，就跌去240多美 元。截至发稿，现报4112.37美元/盎司，大跌5.58%；COMEX期货黄金报4145美元/盎司，大跌4.92%。 "过去几个交易日中，交易员日益警惕，因市场对修正与盘整的担忧升温，"盛宝银行大宗商品策略师Ole Hansen称，"修正期往往能显现市场的真正实 力，此次也不例外，潜在买盘应能限制回调幅度。" 华安基金指出，黄金短期或交易过热，存在波动风险。根据沪金主力平值IV指标，本轮黄金交易的波动率已经达到较高水平，历史上与2024年4月18日、 2024年10月30日、2025年4月类似，数值均超过20。指标的含义是黄金期权的隐含波动率，可以作为交易拥挤度的参考，指标值较高提示短期交易过热风 险。前期黄金上 ...

Core Viewpoint - The recent surge in gold prices has led to increased consumer interest in gold jewelry, with brands like Lao Pu and Chow Tai Fook preparing for price hikes, indicating a strong market response despite rising costs [5][11][12]. Group 1: Market Trends - As of October 21, spot gold prices fell over 6%, reaching $4093.127 per ounce, marking the largest drop in four years [1]. - Despite the drop in gold prices, consumer enthusiasm remains high, with long queues observed at gold retail stores like Lao Pu in Guangzhou [3][8]. - Lao Pu announced a price adjustment set for October 26, marking its third price change this year, while Chow Tai Fook plans to raise retail prices by 12%-18% by the end of October [5][11]. Group 2: Consumer Behavior - Consumers are actively purchasing gold jewelry in anticipation of price increases, with many opting for gold pieces that combine aesthetic appeal and investment value [8][9]. - The demand for gold jewelry is driven by its perceived dual value as both an investment and a decorative item, leading to a surge in sales [12][13]. - Popular gold items are frequently sold out, indicating strong consumer demand and market dynamics influenced by price expectations [8]. Group 3: Company Performance - Chow Tai Fook reported a 4.1% year-on-year increase in retail value for the three months ending September 30, with a notable 11.4% growth in markets outside mainland China [11]. - Lao Pu's revenue for the first half of 2025 reached approximately 12.354 billion yuan, a 251% increase compared to the same period in 2024 [12]. - The World Gold Council noted a decline in gold jewelry demand in terms of tonnage, but total consumer spending on gold jewelry remained stable at 137 billion yuan, reflecting a shift in consumer preferences towards innovative gold products [12][13].

Core Viewpoint - The article highlights the recent significant drop in gold prices, which has not dampened consumer enthusiasm for gold jewelry, leading to increased sales and price adjustments by major brands like Lao Pu and Chow Tai Fook [1][5][9]. Price Movement and Consumer Behavior - On October 21, spot gold prices fell over 6%, reaching $4093.127 per ounce, marking the largest drop in four years [1] - Despite the price drop, gold jewelry stores, such as Lao Pu in Guangzhou, experienced long queues, with wait times around 1.5 hours, indicating strong consumer demand [3] - Lao Pu announced a price adjustment set for October 26, marking the third price change in 2023, following adjustments in February and August [5] Brand Responses and Market Dynamics - Chow Tai Fook plans to increase retail prices of gold products by 12% to 18% by the end of October, reflecting a mechanism to monitor gold price fluctuations [5] - As of October 21, gold prices for Chow Tai Fook's products were quoted at 1292 RMB per gram, an increase of 30 RMB per gram [6] - The demand for gold jewelry is driven by both investment and aesthetic values, with consumers viewing gold as a dual-purpose asset [5][9] Sales Performance and Market Trends - Chow Tai Fook reported a 4.1% year-on-year increase in retail value for the three months ending September 30, 2025, with a 3% increase in mainland China and an 11.4% increase in Hong Kong and Macau [9] - Lao Pu's revenue for the first half of 2025 reached approximately 12.354 billion RMB, a 251% increase compared to the same period in 2024 [9] - The World Gold Council reported a 28% decline in gold jewelry demand in China for the first half of 2025, yet total consumer spending on gold jewelry remained stable at 137 billion RMB [10] Consumer Preferences and Brand Strategies - Consumers are increasingly focused on the "cost-performance ratio" of gold jewelry, with brands like Lao Pu being favored for their competitive pricing [8] - The rise in gold prices has led to a surge in demand for certain gold styles, with some popular designs frequently sold out [8] - Brands are adapting by innovating product designs and enhancing marketing strategies to meet diverse consumer needs [10]

来源 | 新华社 据新华社，近期，国际金价屡创新高、投资热情激增导致韩国多家银行多种规格金条售罄。 据《韩国经济新闻》21日报道，新韩银行近期停售1公斤规格金条，主要缘于其供应商LS MnM公司 因需求激增出现断货。该计划今后暂时主销37.5克规格金条。 2025.10. 21 本文字数：513，阅读时长大约1分钟 此外，农协银行自本月20日起暂停销售37.5克、187.5克和375克规格金条，仅销售3.75克、10 克、100克和1公斤规格金条。 据韩国《中央日报》报道，韩国黄金交易所正考虑是否停止向银行供应金条。 微信编辑 | 苏小 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 迎 提 供 。 专 用 邮 箱 ： bianjibu@yicai.com （注：我们会对线索进行核实。您的隐私将严格保密。） 2013年3月20日，在韩国首尔，一名行人从新韩银行门前经过。新华社记者姚琪琳摄 与此同时，国民银行、韩亚银行和友利银行已暂停销售小克重金条产品，目前仅销售1公斤规格金 条。 韩国造币公社本月1 ...

黄金价格在近期冲高后正处于高位震荡阶段。10月17日，黄金价格盘中一度突破4390美元/盎司的历史 峰值。就在市场正在等待黄金突破4400美元关口，10月21日黄金价格却出现下调。10月21日下午现货黄 金已失守4300美元关口，晚间黄金价格再度快速下探。 "金价涨得快，势必调整会更加剧烈。"汇管信息研究院副院长赵庆明在接受贝壳财经记者采访时表示， 从今年8月底至今的2个月时间内，黄金价格已经上涨了约1000美元。 在赵庆明看来，这轮金价上涨主要是全球看多情绪驱动。地缘政治、全球央行购金、全球流动性过剩是 推动黄金上涨的三大因素。但目前来看，这三大因素均未有明显变化，且近期地缘政治的紧张局势出现 缓解迹象。 新京报贝壳财经记者姜樊 10月21日晚间，现货黄金持续下跌，黄金跌破4200美元/盎司，跌幅高达到3.8%。 "投资者也要立足长期逻辑，当前支撑金价长期上行的核心因素(如全球不确定性、实际利率下行趋势 等)未发生根本改变，建议把握市场节奏，采取逢低布局策略，待金价回调至合理区间时择机逐步建 仓。"瞿瑞还建议，投资者也要明确投资目标，以资产保值、对冲风险为核心，而非单纯追逐短期价差 收益，规避盲目追高导致的 ...

世界黄金协会发文称，2025年10月8日，黄金突破4,000美元/盎司的关口，迎来又一历史性里程碑。此后，黄金又在短时间内接连突破4,100美元/盎司， 4,200美元/盎司整数关口，向1979年以来的最强年度表现迈进。市场对当前黄金行情与上世纪70年代未行情的对比讨论热度攀升，投资者也开始研判最近 这轮涨势是趋势延续的信号还是反转的开端。 世界黄金协会表示，黄金突破4,000美元/盎司的关口，标志着新的里程碑达成。其未来走势将取决于投资者对战术因素与基本面要素的响应。该协会认 为，当前涨势与1979年市场行情的对比虽具吸引力，但存在着误导性。 世界黄金协会称，有充分理由相信黄金涨势尚未衰竭，尤其是在更广阔的宏观经济背景下考虑，相关理由包括：可能回落的高实际利率、具备走阔空间的 信用利差，以及可能修正的高估股市等。 金价短期波动可能源于投资组合再平衡、市场回调与技术面信号，而长期韧性则植根于持续扩大的投资者基础、未见缓解的政策不确定性、以及仍有增长 空间的黄金投资市场。该协会认为，在新阶段的推进过程中，黄金的战略优势将持续平衡战术风险。 重点摘要 黄金开启 4,000美元/盎司新篇章 新里程碑:黄金于2025 ...

Core Viewpoint - The article discusses the recent significant decline in precious metal prices, particularly gold and silver, and highlights Ray Dalio's perspective on gold as a strategic asset allocation rather than a tactical bet [1][3][6]. Price Movements - On October 21, gold prices fell below $4250 per ounce, marking a 2.36% decline, while COMEX gold futures dropped by 1.92% [1]. - Silver prices fell below $50 per ounce for the first time since October 10, with an intraday drop exceeding 6%, ultimately down 4.5% [3]. Ray Dalio's Insights on Gold - Ray Dalio emphasizes that gold should be part of a strategic asset allocation, recommending a 15% allocation for most investors [6][10]. - He argues that gold has historically shown a negative correlation with other assets, particularly during periods of poor returns in stocks and bonds, making it an effective diversification tool [10][11]. - Dalio notes that while gold's long-term expected return is low, it serves as a hedge against economic downturns and inflation [11][14]. Gold as a Unique Asset - Dalio asserts that gold is the most mature form of currency and a stable core investment, contrasting it with fiat currencies, which are essentially debt [12][13]. - He highlights that gold's purchasing power remains intact, unlike cash, which can be devalued through excessive printing [14][21]. Comparison with Other Assets - Dalio explains that while other metals like silver and platinum have industrial uses, they do not possess the same historical and cultural significance as gold, making them less reliable for wealth preservation [18]. - He also critiques inflation-protected bonds, stating they are still debt instruments and may not provide the same level of risk diversification as gold during financial crises [18][19]. Gold vs. U.S. Treasuries - Dalio posits that gold is beginning to replace U.S. Treasuries as a risk-free asset in many investment portfolios, particularly among central banks and large institutions [20]. - He emphasizes that gold has a lower risk profile compared to government-issued debt, which is subject to default and devaluation risks [21].

老铺黄金即将迎来新一轮涨价。10月17日，老铺黄金发布调价预告称，将于10月26日进行产品价格调 整。产品调价详情以线上线下产品实际标价为准。这是老铺黄金年内第三次调价，此前两次分别在今年 的2月和8月。 与老铺黄金同频，周大福也宣布，计划在10月底提高定价黄金产品的零售价格，大多数产品的提价幅度 预计在12%—18%。周大福方面表示，集团设有机制密切监测金价波动，并适时作出价格调整，以应对 市场变化。 21世纪经济报道记者 吴抒颖 10月21日，广州太古汇老铺黄金门店爆火，再现排队长龙。现场负责接待的销售人员不时与排队的顾客 沟通确认，排队时长在1.5小时左右，需要耐心等待。 金价飙涨，并未浇灭消费者的热情。在避险情绪的作用下，黄金首饰具备资产保值增值的需求，又具有 装饰的用途，既实用又美观。 短期看来，黄金首饰的热销或许不会停。 （广州太古汇老铺黄金门店 本报记者 吴抒颖/摄） 相较奢侈品首饰而言，黄金首饰的价值与实时金价挂钩，并不由品牌决定。当前黄金涨势继续，消费者 热情高涨。此外，近年来黄金首饰款式更加贴合主流审美，也吸引了消费者的热情。 在此背景下，黄金首饰品牌纷纷积极应对，保持上进。 满足双重价值 ...