ICBC also added 12 yuan/gram to the market price, which is the lowest price in the physical gold market. No channel will be lower than this price, so it should be called physical gold price. Jewelry market should add at least 30 yuan/gram. The handling fee refers to the added value of labor paid in the transaction process, and the increased 12 yuan is not a handling fee, so ICBC's customer service is right to say that no handling fee is charged.