Current location - Loan Platform Complete Network - Loan consultation - Can the consignment bank recycle gold and silver?
Can the consignment bank recycle gold and silver?
1. Gold trading between individuals is allowed, but gold recycling business is prohibited. Individuals must apply for a license issued by the financial management institution to recover gold. Consignment bank can't recycle gold, so it can only sell it on its behalf. The consignment bank is the consignment bank entrusted by the owner to sell on its behalf, and both parties sign relevant service agreements. According to the agreement, the consignment bank has no ownership of the goods, only the management right of the goods during the consignment period, that is, the ownership of the goods has not been transferred. The consignment bank only charges a certain service fee after the goods are sold. No buyouts, no on-site loans.

Gold recovery can be carried out through banks, pawn shops and roadside shops. Compared with pawn shops and small shops, the price of banks is relatively high.

In the self-operated brand gold bar business of commercial banks, most of them provide repurchase business, but mainly invest in gold bars. Investors can buy these bank brand gold bars and sell them to banks as long as they meet the relevant repurchase conditions. Of course, different banks have different conditions and prices for gold bar repurchase, and their prices are mainly linked to the international and Shanghai gold exchanges, which will change every day.

Pawnshops don't have too many restrictions on buying back gold varieties. Regardless of gold bars, bricks and gold necklaces, the procedures are simple. Basically, it is acceptable. At the same time, buying back gold in pawn shops only requires simple testing and does not need to be melted. What investors need to pay attention to is that the price of gold pawned by each pawnshop is different, and the way of collecting interest is also different.

Legal basis: Article 26 of the Pawn Management Measures shall not engage in the following businesses:

(a) Sales of non-essential goods and purchase and consignment of secondhand goods.

(2) Chattel mortgage business

(3) Raising funds, absorbing deposits or absorbing deposits in disguised form.

(4) Issuing credit loans

(5) Other businesses not approved by the Ministry of Commerce. You can only sell limited quantities of goods.