更让人摸不着头脑的是金条。同样是实心足金，老凤祥工艺金条每克1316元，潮宏基的却只要1193元，一克差出123元。问销售员，得到的解释多半是"工艺 不同、设计成本高"。可放在托盘里，那些光面的小金条、小元宝，看着实在相差无几。有位阿姨一边端详一边摇头："买黄金倒像买理财产品了，里面门道 深得很。" 买了不一定赚，工艺费可能打水漂 不少人觉得黄金保值，闭着眼买就行，事实可没这么简单。有位朋友前年买的22K金项链，如今回收价每克才八百多，比当初买入价还低了一截。更有些电 商平台热销的"限量版金豆"，连张像样的检测证书都没有，全凭卖家一张嘴承诺。 梁永慧经理说得挺直白："那些3D硬金、古法金饰，加工费有时能占到总价的两成。可回收时，人家只认黄金本身的重量，工艺再精妙，这时候也不算数 了。"这就像你花大价钱买了件精雕细琢的艺术品，想转手时，买家却只按原材料给你算钱，中间的"功夫钱"瞬间蒸发。 如果你留心看正规的黄金报价，会发现另一个世界。国内金价每日都有公开数据，比如某日上海黄金交易所的黄金9999品种，报价在963元到978元之间波 动。国际上的伦敦金、纽约金价格也时时变动，换算下来，每克基础金价其实远低于金店的 ...

党的二十届四中全会提出，坚持尽力而为、量力而行，加强普惠性、基础性、兜底性民生建设，解决好 人民群众急难愁盼问题，畅通社会流动渠道，提高人民生活品质。近年来，在政策引领下，金融机构聚 焦百姓身边事，广泛开展"为民办实事"行动，旨在提升金融服务可及性，更好守护群众"钱袋子"。 这些举措"实"在哪里？效果如何？我们听听消费者的心声。 增民利、解民忧，政策有温度 【镜头】 防欺诈、除隐忧，筑牢"防火墙" 【镜头】 "听说按照新政策，继承5万元以下的小额存款可以免公证。我去银行办理时，却没那么顺利。"最近， 在湖北武汉市青山区，80多岁的王建军和老伴到一家银行网点，办理已故亲属存款的继承事宜。本以为 很快能办完，没成想，银行工作人员却告知其无法按照小额遗产继承方式便利提取存款，需要公证继 承。 "一开始我也纳闷儿，这个账户存款不多，应该能免公证的。公证除了多费周折，还要花一笔钱。"王大 爷一头雾水，忙向银行工作人员追问。 "王大爷提出疑惑后，我们进一步核实存款明细，发现该账户近期转入一笔上万元的社保丧葬补助金， 加上这笔钱后，余额超过了5万元。"银行工作人员说，弄清楚情况后，他们帮助王大爷进行便利提取。 "根据新政策 ...

Core Viewpoint - After a nine-week rally, gold prices experienced a significant drop, with international market prices falling by $152 per ounce, leading to a decline in domestic gold prices as well [1][2] Market Dynamics - The recent decline in gold prices is attributed to easing trade tensions and a recovery in global risk appetite, prompting investors to withdraw from safe-haven assets like gold and silver [2] - The adjustment in margin requirements for silver and gold futures by exchanges has forced some long positions to reduce their holdings, contributing to the price drop [2][3] Investor Sentiment - There is a divide in investor sentiment, with some taking profits after the recent surge while others view the price drop as an opportunity to buy [5][6] - Long-term investors continue to accumulate gold, as evidenced by increased holdings in ETFs, despite short-term volatility [8] Supply and Demand Factors - Recent data shows a tightening of gold and silver inventories, with significant outflows from COMEX silver and increases in SPDR gold ETF holdings [8] - The World Gold Council noted that central banks have shown a tendency to buy on dips, indicating ongoing support for gold prices despite short-term fluctuations [8] Risk Management - Exchanges and banks have issued warnings regarding market volatility, advising investors to manage their positions carefully amid the current uncertainty [9][10]

Core Viewpoint - After nine consecutive weeks of rising gold prices, a significant drop occurred, with international gold prices plunging by $152 per ounce, leading to a sharp decline in domestic gold prices [1][2]. Market Performance - As of October 20, the main Shanghai gold contract closed at 970 yuan, reflecting a daily decline of 1.63%, while the main silver contract fell by 3.99% [2]. - The rapid shift from a "hot" to a "frozen" market for precious metals was influenced by easing geopolitical tensions, resulting in profit-taking and market adjustments [2][3]. Investor Sentiment - The easing of trade conflict concerns, indicated by signals from the Trump administration regarding tariff relaxations, has led to a resurgence in global risk appetite, prompting investors to withdraw from safe-haven assets like gold and silver [3]. - Some investors, who missed the recent price surge, view the current price drop as an opportunity to buy in again, while others are taking profits amid the volatility [6][7][8]. Inventory and Demand - Long-term funds continue to accumulate gold, with SPDR Gold ETF holdings increasing by 30.05 tons to 1,047.21 tons, and iShares Silver ETF holdings rising by 53.64 tons to 15,497.4 tons [9]. - Despite short-term fluctuations, the overall inventory levels for gold and silver remain tight, indicating sustained interest from central banks and long-term investors [9]. Regulatory Actions - Recent volatility in gold prices has prompted exchanges and banks to issue risk warnings, advising investors to manage their positions carefully and invest rationally [10][11].

Core Viewpoint - After a nine-week consecutive rise, gold prices experienced a significant drop, with international market prices falling by $152 per ounce, leading to a decline in domestic gold prices as well [1][2] Market Dynamics - The recent decline in gold prices is attributed to easing trade tariff concerns and a recovery in global risk appetite, prompting investors to withdraw from safe-haven assets like gold and silver [2] - The adjustment in margin requirements for silver and gold futures by exchanges has forced some long positions to reduce their holdings, contributing to the price drop [2][3] Investor Sentiment - There is a divide in investor sentiment, with some taking profits after the recent surge while others view the price drop as an opportunity to buy [5][6] - Long-term investors continue to accumulate gold, as evidenced by increased holdings in SPDR Gold ETF and iShares Silver ETF, indicating a positive outlook for precious metals despite short-term volatility [8] Supply and Demand Factors - The overall inventory of gold and silver is tightening, with significant reductions in COMEX silver inventory and a slight increase in SHFE gold inventory, reflecting ongoing demand [8] - The World Gold Council noted that central banks have shown a tendency to buy on dips, suggesting sustained interest in gold as a strategic asset [8] Risk Management - Exchanges and banks have issued warnings regarding market volatility, advising investors to manage risks and maintain rational investment strategies amid fluctuating gold prices [9][10]

Core Viewpoint - The surge in gold prices has led to an increase in fraudulent schemes, with various cases of scams reported as investors seek to capitalize on the rising market [1][2][4]. Group 1: Gold Price Surge and Investor Behavior - As of October 17, the London spot gold price surpassed $4,350 per ounce, marking a year-to-date increase of over 66% [1]. - The rising gold prices have heightened investor enthusiasm, which has been exploited by illegal actors to set up scams [2][4]. Group 2: Types of Scams - Three prevalent types of scams identified include gold custody scams, rental rebate scams, and virtual investment scams [6][7]. - Gold custody scams involve jewelry stores enticing consumers to store gold with them, promising high returns, but often lack the necessary regulatory qualifications [6]. - Rental rebate scams lure consumers into leasing gold jewelry with promises of fixed rental returns, but these are typically Ponzi schemes [6]. - Virtual investment scams utilize fake trading platforms to promise high returns, manipulating data to create a false sense of profitability [7]. Group 3: Government Warnings and Legal Actions - Multiple local governments have issued warnings about the risks associated with gold investments, highlighting the need for public vigilance against high-yield traps [2][4]. - A notable case involved a company in Qingdao that illegally raised over 4 billion yuan through fraudulent gold investment schemes, resulting in significant losses for investors [9]. Group 4: Guidelines for Investors - Regulatory bodies have provided guidelines to help the public avoid scams, emphasizing the importance of verifying institutional qualifications and using legitimate investment channels [11]. - Legitimate gold investment options include purchasing physical gold from authorized dealers, investing in gold accumulation products through banks, and trading gold ETFs or futures through licensed firms [11].