In daily life, we can always see many customers buying and selling gold in gold shops, but banks also have gold bars. Then why do banks handle more deposit business and few people buy gold bars in banks? In fact, it is not without it, but relatively few people buy it, and banks have confidential services for customer information, so few people know it. Next, let's take a concrete look at the reasons.

1, insufficient publicity.

People don't buy gold in banks because many people don't know that banks sell gold to the outside world. This is related to the bank's sales model. The main job of banks is to serve customers and help them handle various businesses. Selling gold is only an additional project.

The gold shop will increase the cost of promotion investment, and even invite celebrities to endorse products to improve the visibility of their brands. Attract people's attention to star products. It is more common to carry out lottery, gift giving, price reduction and other activities directly on the street to increase the number of customers entering the store. Compared with gold shops, there are not many people visiting gold in banks.

2. Single variety

The bank's gold products are relatively simple, mainly selling gold bars and nuggets, and there is almost no processing. Generally, people who like to invest in gold buy gold in the bank, and then sell it after the market price rises, so as to gain income through the price difference. In addition, the number of gold bars is too large for ordinary consumers to afford. Most of the people who buy it are used for investment. Going to a gold shop to buy processed gold products can be used as a gift in addition to investment.

Every bank has different business.

The business of different banks is different. For example, China Industrial and Commercial Bank has wealth management and investment, and it can also buy golden beans in it, but China Agricultural Bank can't. It can only manage money in it, but you can buy commemorative coins in it, and they will also introduce you to other financial products.

4. The purchase process is relatively complicated.

Compared with buying in a gold shop, the process of buying gold bars in a bank is relatively complicated, and buyers need to provide their personal details and open an account. The bank purchase process is as follows:

(1) Bring your ID card to the intentional bank outlet to apply for buying gold bars, and the staff will open an investment account for the user;

(2) Apply for a card after opening an account. When banks stipulate personal physical gold investment business, they must apply for gold account cards;

(3) Consult the account manager or the gold products displayed through the counter, and select the products to be purchased;

(4) After selecting the product, pay the purchase fee, and the bank will ask the user whether to take the product out or keep it in the bank;

(5) If the physical object is taken out, the user will get gold bars and invoices; If the physical object is not taken out, the user will get the purchase certificate and the proof of storing the gold bars.

These are some reasons why no one buys bank gold bars. If you are interested, you can learn about gold investment.