纸黄金的点差
关键字：纸黄金的点差
纸黄金的点差，是指按具备纸黄金办理业务的银行，按银行的黄金储备中黄金投资产品的中间价划分为买入价和卖出价，同一中间价的买入和卖出价之间的差价，就是纸黄金的点差。
例如商业银行的中间价为100元，银行买入价为98元，那么该行的纸黄金点差为2元的单边点差，投资者进行买卖操作的话，则要付出4元/克的点差。
纸黄金点差的计算例子：
以中国银行的“黄金宝”人民币账户举例，某个时间中国银行买入价报196.67元/克，卖出价报197.37元/克。此时客户买入10克黄金马上又将其卖出，在行情没有变动的情况下，客户的损失为（197.37-196.67）x 10=7元，这7元也可理解为银行向客户收取的交易手续费。
如何投资纸黄金：
与个人实物黄金、黄金期货等黄金投资品种相比，“纸黄金”投资门槛较低，操作简单快捷，手续费比买卖实物黄金要低，同时还不用为如何保管黄金操心。
个人“纸黄金”客户开户非常简便，如果是在柜台开户，投资者只需要带着自己的身份证和银行卡即可，一般柜台人员会询问你需要办理的是人民币“克”的业务，还是美元“盎司”的业务。
如果是人民币“克”业务，还需要开设一个专门的“黄金账户”，而美元“盎司”则不需要，但是银行卡必须是“多币种”卡，可存入美元，并满足外币转账需要。
目前投资者可以在中国银行、工商银行、建设银行、中信银行四家银行开户进行“纸黄金”交易。民生银行金融市场部贵金属主管鲁丽罗对记者说，民生银行的纸黄金交易系统也即将上线，届时有五家银行可以进行该项交易。
工行业务办理人员告诉记者，办理纸黄金业务的投资者是可以“零余额”开户的，但一个投资者在一个地区只能有一个账户，可同时开通美元和人民币的账户。
其他几家银行中国银行、建设银行、中信银行纸黄金业务的开户方式都类似工行的卡户方式。
本文来源： 大田环球贵金属
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