Gold futures are listed on the Shanghai Futures Exchange, and investors must open an account in a regular futures brokerage company to trade. Both exchanges and futures companies are financial institutions, which are supervised by the CSRC and are the most formal gold trading channels in China. Margin is kept in accordance with the law and can be accessed when necessary, so futures security is the most secure.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.