黄金税收新政落地一个多月后，部分银行宣布将退出品牌金销售业务。 12月15日，智通财经记者注意到，恒丰银行近日发布公告称，该行将于2025年12月22日起停办品牌金出售，并有序完成存量业务退出。恒丰银行解释称，停 办相关业务为"顺应市场趋势，贴合客户需求"。 受访业内人士告诉智通财经记者，税收新政带来的合规压力可能是导致部分银行停办该业务的最直接导火索。此外，税收政策差异持续削弱银行销售实体金 的商业可持续性，后续中小银行持续退出或是大概率事件。 从公开信息来看，恒丰银行应为新政实施以来业内首个宣布停办品牌金销售的商业银行。 部分银行退出品牌金销售，业内分析或基于合规压力 据了解，新政对交易所会员单位和客户提出极高合规要求，重点集中于内部核算管理和用途申报的严谨性，旨在对实物交割出库的黄金实施穿透式追踪。而 会员单位若违规开票或未如实申报，则将面临暂停税收优惠资格等处罚。 受访业内人士认为，新规对各会员单位带来合规上的压力。薛洪言表示，部分银行选择停办品牌金销售，其中"合规压力是最直接的导火索"。 所谓"品牌金"，多指银行自主设计打造样式并销售的实物黄金。智通财经记者从恒丰银行官网上查到，恒丰银行在售的品牌金 ...

Group 1 - The article discusses practical tips for purchasing gold bars from banks, highlighting the differences in gold bar names and prices among various banks [4][8] - It emphasizes that banks do not produce gold bars but act as intermediaries, selling gold bars produced by precious metal manufacturers, with a purity of 99.99% [4] - The current gold price in Shanghai is noted as 942.2 yuan per gram, with specific prices for different banks, such as 956.7 yuan for CCB gold and 966.7 yuan for ABC's gold [4] Group 2 - The purchasing process for gold bars is outlined, indicating that customers can either visit a bank in person or use online banking apps to buy gold [8][10] - For online purchases, customers can select from various categories and complete the transaction easily, with delivery typically handled by a courier service [8] - An alternative method called "accumulated gold" allows customers to buy gold incrementally at real-time prices, which is more budget-friendly for workers [10] Group 3 - The article explains how to liquidate gold bars, noting that they should remain in their original packaging for bank buyback, although some banks do not buy back their own gold bars [11] - It warns about potential scams in the gold buyback process, advising customers to choose reputable stores for selling their gold [11] - The article mentions that some larger stores offer better buyback prices compared to banks, highlighting the importance of selecting trustworthy establishments for transactions [11]

Group 1 - The retail prices of gold in domestic jewelry stores show a divergence, with major brands like Chow Tai Fook and Chow Sang Sang maintaining a unified price of 1078 yuan per gram, while Lao Feng Xiang offers a slightly lower price of 1075 yuan per gram [1] - In terms of bank gold bar prices, Minsheng Bank's investment gold bar is priced at 844 yuan per gram, while China Construction Bank's "Jianhang Gold" gold bar is priced at 842 yuan per gram [1]