1. Classification: At present, Internet plus gold products on the market can be divided into consumer-oriented gold e-commerce platforms, such as major gold brands such as official website, Multilateral Jindu and chiba jewelry. It can also be divided into gold investment platforms with investors as the main body, such as China Merchants Bank Li Jinsheng, Jinshengbao (Sina Micro Wealth) and Gold Wallet. There are also gold investment products with speculators as the main body, such as the savings treasure that Alipay cooperates with Bosera Fund, which is essentially a gold ETF and has no direct connection with gold enterprises. Among them, the form of e-commerce platform is the mainstream, investment platforms such as gold wallet are developing rapidly, and the styles and business models of each investment platform are obviously different.

Second, China Merchants Bank profited from gold, learned from the success of Yu 'ebao and Commission Jinbao, and innovated the investment model of "buying gold to earn the difference and saving money to earn interest". On August 14 and 18, China Merchants Bank launched Li Jinsheng. After investors buy 50g gold, they can withdraw 5 1 g gold after a certain period of time (slightly more than 1 year), and investors can earn extra interest on 1g gold beyond the gold price difference (excluding the annualized fluctuation of 2% of the gold price). China Merchants Bank Li Jinsheng pre-sells the gold after1year through current collection. During this period, the money that customers buy gold is divided into two parts. In order to avoid the trading risk of gold price fluctuation, about 20% funds buy gold call options to hedge; In order to obtain income, the rest of the funds are used for lending business. After one year, if the gold price falls, the call option will not work, and the gold that should be paid in the spot market will hedge the loss of the call option because it is sold at a high price in the current period; If the price of gold rises, there is no need to buy gold at a high price in the spot market when exercising the call option, so no matter how the price of gold fluctuates, Li Jinsheng will not lose money in lending. But investors hold gold for a long time, which is equivalent to 2% annualized income. Because the interest of products is settled in gold, and there are many products of China Merchants Bank, Li Jinsheng's popularity among investors is relatively low.