账户金与纸黄金有什么不同?
关键字：账户金与纸黄金有什么不同?
账户金与纸黄金，实际都是相同的黄金投资品种，我们在商业银行开设黄金交易账户，就能拥有纸黄金的交易资格，通过掌握金价变动情况来获取额外收益，下面大田环球小编为您介绍纸黄金的交易细则。
一、纸黄金的由来
纸黄金是商业银行推出的一种根据国内金价变动来计算交易盈亏的纸质黄金账户，又称银行账户金。整个交易过程不涉及实物黄金的提取或交换，金价涨跌变动仅体现于个人纸黄金账户的盈亏之中。
二、纸黄金交易细则
传统的纸黄金是全额交易，根据实际交易价格支付足额本金，只能在买入纸黄金之后才能对其执行卖出，所以只能在上涨行情背景下获利，适合长线持仓，日内短线操作容易被套。
现在有部分规模较大的商业银行推出了能够双向交易的纸黄金品种，如工商银行推出的“金行家”，中国银行推出的“黄金宝”等，投资者仅需按交易总额投入一定比例的本金作为保证金，但比例不能过小，一般是1:4或者1:5。
三、纸黄金和现货黄金的比较
1、交易市场
纸黄金交易市场是国内的贵金属市场，其报价与国际市场存在一定偏差，受国内实物金供需、经济数据影响较大，且容易受大户操控，令散户失去公平交易的机会。现货黄金是全球性的贵金属合约投资品种，国际金价一般以现货黄金为报价基准，受全球主要国家及经济体，如美国、欧元区等地的经济数据和央行政策影响大，成交量和资金额远高于区域性的黄金市场，大户操控可能性极小，普通投资者根据盘面走势判断就能获取理想收益。
2、投资回报
传统的纸黄金投资回报率较低，双向纸黄金在杠杆化环境情况下发挥的以小博大功效并不明显。且纸黄金日内波动的点位十分有限，相对现货黄金而言无法获取波幅较大的获利空间，现货黄金投资回报是不受限制的，只要盘面有1美元的波动，就有100美元的实际收益。
以上是纸黄金的交易细则，以及与现货黄金的对比介绍，如果要选投资效果最佳，交易环境最安全的交易品种，可选择现货黄金，大田环球贵金属已为您开通现货黄金的线上开户通道，直接在官网开设电子账户就能实现国际贵金属市场交易，赚取实在回报。
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本文来源： 大田环球贵金属
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