Precious metal deferred trading varieties, referred to as T+D business, are also called physical precious metal deferred. Simply put, it is a new investment product with more advantages than stocks, futures, funds and bonds. It is to open an account in the cooperative bank of China and Shanghai Gold Exchange, deposit the funds in your own bank card, and realize the transaction directly through online banking. Real precious metals such as gold bars and silver bars are investment products for physical storage and preservation.