The price of gold rose sharply, but the first group of young people who saved gold beans began to regret it.

　　Recently, the price of gold is like riding a "roller coaster", hitting a record high since 1990 and then falling back quickly.

　　At the moment when the price of gold is crazy, some people want to catch up with the rising trend, while others want to join the gold rush when it falls. Some netizens sighed with emotion, thinking of dismissing one gram of gold in 300 yuan in those days, now they find that it is beyond their reach.

　　Compared with gold bars, gold ornaments and other heavy-weight items, small golden beans, which can be started with only a few hundred yuan, are a matter of eating out a few times less for many people, and have become the new favorite of many young people in financial management in recent years.

　　The first batch of young people who saved golden beans began to regret it.

　　Taking advantage of the recent surge in the price of gold, the post-1995 Tata is going to replace the small golden beans it bought before, but I didn’t think the recycling price given by the merchants was lower than when I bought them — — A small golden bean bought for more than 500 yuan, the recycling price is only more than 400 yuan, and each one should be posted at a price of 100 yuan.

　　Tata said that at first, for fear of counterfeit goods, Chow Tai Fook Xiaojindou was specially selected, which was much higher than the price of other brands. As a result, its recovery price does not look at the brand premium, but depends on the international real-time gold price. Even if there is no labor fee, there is a gap of more than 100 yuan between the official selling price and the recycling price of Xiaojindou.

　　At the same time, Chow Tai Fook also adjusted the regulations. Xiaojin beans belong to investment funds and cannot be exchanged for gold bars, gold ornaments, etc. by weight, and can only be recycled at a discount. Chow Tai Fook’s official customer service mentioned in an interview with beijing business today that since November 2022, they no longer support the exchange of gold beans for jewelry, and can only recycle them at the recycling price.

　　In addition, The Paper also consulted the customer service of 10 online gold shops with top sales volume of Jindou Taobao, including Laomiao Gold and China Gold, and only 4 of them clearly indicated that Xiaojindou could be replaced with other gold products in the shop under certain conditions.

　　Besides small golden beans, what other golden pits are there?

　　In order to sort out the problems that may be encountered in buying gold, The Paper collected more than 6,000 complaints about "gold" on black cat complaints in the past year in 2023 and found thatInsufficient gold content, insufficient gram weight, etc. are all commodity problems that people often encounter when buying gold.

　　Different from other commodities, the value of gold products is mainly reflected in its purity and weight. But this is often difficult for ordinary consumers to directly distinguish through the naked eye and feel.

　　The new favorite of young people’s financial management — — Small golden beans are often the hardest hit areas of fake gold.We carefully observed the details of the complaints in the past month and found that among the 19 small gold buyers including Jindou, 14 consumers said that they had bought gold products with extremely low gold content or filled with brass.

　　When a consumer went to the gold recycling store to replace it, he was told that the small golden beans he bought six months ago had a copper content of 91% and a gold content of only 9%, which was far from 999 gold.

　　For many people who are inexperienced in buying gold, a price of gold is also an easy point to step on.

　　Most of the price gold is a gold ornament commodity made by special technology, which is more durable and convenient for people to wear every day. Therefore, the price of one-price gold pays more attention to the technical value, which is much higher than that of ordinary priced gold.

　　However, in the process of recovery and replacement, there are many restrictions on the price of gold. For example, it cannot be replaced by gold in grams, and the recycling can only be priced in grams according to the national gold price.If you are more concerned about the benefits of gold, there is a high probability that you will buy expensive gold and lose money.

　　In addition, even if some goods find problems early, they may face problems such as the loss of merchants and the unsmooth return of goods. Under normal circumstances, unless there are quality problems with gold commodities, merchants do not support unreasonable return.

　　If you don’t buy brand-name gold online, won’t you step on the pit?

　　Is there an absolutely reliable channel to buy gold with your eyes closed? I am afraid the answer is no.

　　By sorting out all the consumer disputes about "gold" in 2023, The Paper found thatWhether in online shopping or offline, brand stores or non-brand stores, buying gold may step on the pit.

　　In the purchase complaints, there are not only online shopping platforms such as Taobao, JD.COM and Pinduoduo, which have settled in a large number of online stores, but also niche platforms such as Yang Xiaomao, and there are also many complaints about buying gold.

　　Netizens bought 12 grams of bracelets online on this platform for young consumers, and later found that it was about 5,000 yuan higher than the market price. However, even if the goods have not been collected, the platform will not give a refund on the grounds that the goods do not support rejection or return.

　　Compared with small gold shops,Consumers complained a little more about branded gold shops, and domestic head gold brands such as China Gold, Laomiao Gold and Laofengxiang all appeared.

　　For the handling of these complaints, more than 90% of consumer disputes against brand gold shops have been answered and handled, but this progress is still slow: 18% of brand gold shops have been handling complaints, and 255 of them are from before July 2023.

　　But this does not mean that it is the same whether you buy gold or not.When people buy problematic gold in a small gold shop and want to defend their rights, it is very likely that there is no way to complain.In the statistics, the fact that no merchants can be found accounts for 21% of complaints from small gold shops.

　　On January 2, 2023, because of buying fake gold, netizens initiated a complaint against the Taobao shop "CTF Guoguang Fair" and demanded that the merchants pay 997 yuan. Now that a year has passed, the complaint is still in a state of unsuccessful matching.

　　In order to save money, to preserve value and to avoid risks, it is the motivation for young people to save money. However, in the process of sales, replacement and recycling of physical gold, there are actually many doorways, even tricky. If you buy in a hurry without doing your homework, you will find that the gold pit is more powerful than other investment products.

　　Have you ever bought gold? Did you buy it at a high point or a low point?

　　Tata, the interviewee in the article, is a pseudonym.

　　Source:

　　1. beijing business today -1 gram recycling spread of hundreds of yuan, changing jewelry into empty talk "golden beans" financial management is a bit of a loss, https://baijiahao.baidu.com/s?. id=1761794981723218338&wfr=spider&for=pc