1. Real-time trading of precious metals in personal accounts of banks refers to trading products with precious metals as the target provided by banks relying on business processing systems. After a customer opens a precious metal account in a bank, he can buy and sell the precious metal share in the account within the specified trading time according to the bilateral quotation provided by the bank. The precious metal shares of customer accounts are only credited to the accounts, and the physical objects are not extracted. The precious metal shares of different types of accounts shall not be mixed.

2. Precious metals mainly refer to eight metal elements such as gold, silver and platinum group metals (ruthenium, rhodium, palladium, osmium, iridium and platinum). Most of these metals are brightly colored and have considerable resistance to chemicals, so they are not easy to cause chemical reactions under normal circumstances.