商业银行黄金积存业务探析

摘要

In the current global context, because of the advantages of tax incentives, convenient transactions and fair prices,gold has become an important means to resist inflation.As for individual investors,gold has unique advantages that other investment vehicles can not match.So commercial banks should take the opportunity to vigorously develop the AIP mutual gold or the AIP mutual precious metals.It can not only provide customers with a convenient investment vehicle,but also increase the intermediary business revenue and eventually achieves a win-win situation.This paper discusses the applicability of AIP mutual gold, and offers some suggestions on the AIP mutual gold business to commercial banks.%在目前全球经济形势背景下,黄金因其税收优惠、交易方便、价格公平等优势而起到抵御通胀的重要作用.对于个人投资者来说,黄金积存业务相比其他投资工具,具有不可替代的优势,因此商业银行应借机大力发展黄金或者贵金属积存业务,既为客户提供便捷的投资工具,又可增加中间业务收入,实现双赢局面.文中对黄金积存业务进行了应用性研讨,并针对商业银行开展该业务提出了几点建议.