银行金条：贵得有道理，但回手容易 先看银行。工行、建行、中行这些大行的金条价格基本在968到980元/克之间。农行最贵，980.04；民生最便宜，964.74。别小看这十几块钱的差，买100克 就差一千多。但不管哪家，都比上海金交所的基准价（952元）高出15到30块。这多出来的钱，其实是加工费、品牌费和仓储成本。 好处是啥？银行金条能回购！手续费才1到3块钱一克，流动性强。今天买，明天急用钱，拿回去基本能按市价卖掉，损失很小。不像有些纪念金条，买了就 砸手里。 "你买金条没？我刚查了，今天银行卖970多一克，比前两天便宜了点。""可别急着下手，我听说金店还卖1300多呢，差了快400块，这水太深了！" 这话一点不假。2025年12月9号，黄金市场确实有点"分裂"——一边是银行金条价格稳在970元上下，另一边金店柜台标价动辄1300元起。同样是黄金，为啥 差这么多？普通人想买点黄金保值，到底该选哪边？今天咱们就掰开揉碎说清楚。 金店首饰：买的不是金，是工艺和牌子 有意思的是，现在国际金价折算成人民币大概957.66元/克，比国内现货还高5块。这说明人民币汇率挺稳，进口成本没大幅波动。而纽约、伦敦那边金价微 涨 ...

Group 1 - Recent gold prices have surged, with bank gold bars priced between 920 to 940 yuan per gram, influenced by international gold prices, exchange rates, and risk aversion demand [1][3] - The price of gold jewelry in stores is significantly higher, with brands like Chow Tai Fook and Lao Feng Xiang around 1180 yuan per gram, primarily due to craftsmanship and brand value [3][5] - For investment purposes, bank gold bars are recommended over jewelry, as the latter incurs high craftsmanship fees and is not suitable for pure investment [3][5] Group 2 - Current gold prices may not be suitable for short-term trading due to high levels, but they can be a good option for long-term value preservation or asset diversification [5][7] - Selling gold requires careful consideration of different quotes from banks, jewelry stores, and pawn shops, as prices can vary significantly based on weight and craftsmanship fees [5][7] - The fluctuations in gold prices are influenced by global economic conditions, the strength of the US dollar, and geopolitical situations, necessitating a long-term perspective on gold investments [7] Group 3 - The current gold market is active, with bank gold bars showing steady increases and jewelry prices at high levels, while wholesale prices are closer to the actual value [7] - Buyers should focus on their intentions, whether for investment, gifting, or personal use, and approach purchases with rationality to avoid unnecessary expenses [7]