Jewelry bank is a brand-new jewelry marketing business, which introduces a brand-new consumption concept of "value-added repurchase" in traditional commercial jewelry sales, that is, consumers can get the expected value-added return from the store as long as they fill in the repurchase agreement as required and then let the store repurchase it according to the agreed time limit.

(2) How does the jewelry bank operate?

If ordinary people have idle old jewelry, they can send it to a jewelry store to complete cleaning, inspection, weighing and other procedures and deposit it in the bank. After the deposit expires, they can cash it at the market price at any time, or they can exchange it for any jewelry you like for free.

(3) Carry out jewelry banking business to achieve win-win situation for both parties.

1. Benefits to consumers

As a hard currency, the value of gold is self-evident. Against the background that the global financial crisis has not yet recovered and the global economy is in a downturn, international gold has shown a "unilateral rise" trend, and the accumulated income for the whole year far exceeds CPI.

In the field of jewelry investment, diamonds are "slow-hot" players. The appreciation rate is relatively stable and the price fluctuation is not too big, but their long-term investment value has also attracted many people. Compared with gold, the realization channel of diamond investment is narrower. But the "jewelry bank" business has eliminated some troubles for investors to a certain extent. Emerald is usually a way for the newly rich to diversify their investments.

Both gold and diamonds have international quotations, and it is clear which weight, grade and color are worth how much. Jade investment will make people who don't understand have the feeling of "seeing flowers in the fog", but the merchant promises to buy back, which eliminates this risk.

In addition, value-added repurchase is equivalent to "covering the bottom" for consumers' investment, which also proves that the goods sold by jewelry stores are genuine. Jewelry can be repurchased after one or two years of use and can be liquidated at any time. Consumers basically only have income and no risk.

In order to reduce consumers' worries about the risks of failing to honor their promises and recovering gold, diamonds and jadeite, jewelry stores set the longest investment period of gold as 1 year, jadeite as 2 years and diamond as 3 years, which ensured the cashing of promises and reduced the investment risks of consumers.

2. Enterprise advantages

Jewelry industry is a capital-intensive industry. Consumers can send old gold to jewelry stores or buy diamonds and emeralds, which can speed up the turnover of products and funds and enhance the pace of expansion.

In addition, the jewelry store can also sign a personal consumption loan agreement with the bank, with its own credit as the loan guarantee, and the bank can provide consumer loans to qualified consumers with a single maximum amount of 3 million yuan, which can greatly stimulate customers' jewelry consumption demand.