Diamond investment needs to cross several passes

The participation of banks and the repurchase business responded to the demand for diamond investment. Experts believe that the transition from consumer goods to assets is the development trend of diamond consumption. Diamond consumption “wolf is coming” “D color, double V clarity, 14 points of diamond hanging How much is the recycling? "In the middle of Shenyang, a gold, diamond and other jewelry recycling gates, heard this question, the owner enthusiastically responded: "This diamond is worth a few dollars, is there a certificate?" "If you want us to recycle, it will cost four or five hundred dollars, but you have to take things over, we have to test it." If you don't know much about diamonds, this dialogue may sound like a book of heaven, however, Insiders commented that the quotation of recycling diamonds is not even possible to buy raw materials a few years ago, let alone now. However, ordinary consumers in the Liaoning area may be the most convenient means of realizing the current if they hold diamonds. Of course, the price paid is that they can hardly feel the benefits of rising diamond prices. According to data from the National Jewelry and Jewelry Industry Association, since 2009, China has been ranked as the second largest diamond consumer market in the world for three consecutive years. From the perspective of the development of the jewelry industry, there is still no imported product like diamond. Once it enters the domestic market, it is so popular with consumers. After a brief market development, since 1993, the diamond jewelry market has entered a high speed. During the growth period, the average annual growth rate exceeds double digits and continues to the present. During the global financial crisis, international diamond consumption generally declined. Only the Chinese diamond market maintained a strong growth momentum. In 2008 and 2009, China's diamond jewelry market grew by 10.5% and 28% respectively, becoming the biggest highlight of the global diamond jewelry market and the most important driving force of the global diamond industry. Zhang Wenzhao, director of the Provincial Jewelry and Jewelry Industry Association Office and senior engineer, experienced the development of China's diamond market for 20 years. He said: "In the early market, diamonds were pure decorations and the weight was generally below 20 points." However, in recent years, The demand for carat diamonds has grown significantly. Relevant data show that from January to November last year, the average import prices of diamonds in the three major diamond consumer markets of the United States, China and Japan were US$2,024/carat, US$1,828/carat, and US$471/carat. Because the same quality of diamonds, size and price are not growing in the same proportion, the number of carats doubled, the price may have to be turned several times or more, so from the average unit price can be seen, China's imported diamonds are tending to large particles, high-end Turn. Zhang Wenzhao said: "From the perspective of investment, diamonds with a price of more than 1 carat are generally worth investing." He said that the development of the jewelry industry can usually be divided into three stages: commodification, assetization and securitization. Our diamond market is at During the first phase of maturity, the growth in demand for large-grain diamonds reflects the momentum that market demand has begun to move toward the asset-oriented stage. However, in contrast to the rapid development of the diamond market, China's financial and evaluation service system with diamond investment and wealth management as its core content is relatively backward. The reporter visited several mortgage companies in the Liaoning area. When they heard that they wanted to use diamond products as collateral, the other party smiled: "You are talking about foreign countries, we should be based in China." Shenyang Trawewei, who has been engaged in the jewelry industry for more than 20 years. Pu Ping, an investor in Pu Jewelry Co., Ltd., also clearly felt the difference between domestic and foreign. He said: "I have visited in New York, USA. On the Fifth Avenue, just hold a diamond and push which jewelry there. Shop, you can cash it out at a very reasonable price.” The Provincial Jewelry and Jewelry Industry Association is aware of this new change. They feel the biggest bottleneck affecting diamond investment-related financial services through extensive contacts with banks and jewellers. The problem is the lack of talent for diamond assessment, so they are urgently studying the training of diamond analysts to increase the expertise in this area. Lu Ping considers the problem from another angle, that is, to open the channels for ordinary people to invest or consume diamonds at a more open and transparent price. The idea was implemented in June last year. They successfully launched the largest diamond-based jewelry company in the Northeast, Shenyang, at the end of last year. They are selling diamonds closer to international diamond quotations, which has caused considerable controversy in the industry. If the online shopping diamonds that were closer to the international quotation were only an imminent threat, and the sales diamond sales platform has just established itself in Beijing and other cities, then the emergence of Shenyang Traverse has shown that the diamond price is closer to the international quotation. On the one hand, it uncovers the layer of veil that was covered on the diamond in the past due to market development. "Diamond market" wolf has come "only, but who is going to do this now? I think that Traverse is just reminding us of the peers in the Liaoning area, it is time to adjust the development strategy to meet the challenge. Guo Zhiyong, assistant to the executive director of Shenyang Trawee Jewelry Co., Ltd. said. Diamond repurchases are already in their development plans. Guo Zhiyong has more than 10 years of experience in Antwerp, Belgium, and has personally participated in diamond processing. He said: "I think the biggest barrier to diamond investment now is to raise the awareness of the people. When diamond investment is more active, it is like in the United States. In Belgium, diamond investment and liquidation can be as convenient as gold. “ Diamond Bank is on the road in Shenyang jewelry business. The participation of banks in diamond investment is not only the need to integrate with the development of international diamond investment, but also the domestic diamond investment. A major positive news, especially on October 24 last year, the Industrial and Commercial Bank of China and the Belgian Antwerp World Diamond Center signed a cooperation framework agreement, which has written a lot for the diamond industry in China. According to reports, Diamond Bank is a bank with special functions, mainly engaged in diamond investment, liquidation, storage and repurchase business. The international diamond banking service department is mostly a branch of the big bank. The clients involved are mostly mid-end industries in the diamond industry chain, including rough and loose diamond trade, as well as diamond and diamond jewelry processing. The so-called personal service is that Diamond Bank will set up detailed files for customers, and have detailed tracking records on the operation and credibility of each company's funds. There are currently five diamond banks in the diamond street of Antwerp, Belgium, which has the title of “World Diamond Capital”, but none of them are Chinese banks. Affected by the development of diamond consumption, the domestic banking industry gradually agrees that “diamonds are becoming an important high-end financial management tool”. Some analysts believe that diamond banks will become the next battleground for the banking industry. In response to the actions of ICBC, a number of banks in China have also started to carry out investment and wealth management business in diamonds. The private bank of China Merchants Bank has entered the implementation stage. At the Shenyang Branch of China Merchants Bank, the general account manager knew that the Bank had launched the diamond investment business, but could not explain the details. However, with his help, the reporter got in touch with its high-end customer service staff. In this bank, according to the number of assets in the bank, the number of assets can be divided into several service levels. Among them, the sunflower customers need assets of more than 500,000 yuan, and the diamond card customers need assets of more than 5 million yuan, while the bank's new services. The content of private banking services is for customers with assets of more than 10 million yuan. For high-end customers above the diamond card, China Merchants Bank launched a diamond investment and wealth management service last year. They cooperated with well-known domestic diamond marketing companies to select diamond products for customers worldwide through the diamond marketing network of the company. Legal means reduce the price of diamonds purchased by investors, making their diamond investment costs more cost-effective. However, the person in charge said that in the Liaoning area, customers are not very aware of the current diamond investment. Among their services, diamonds of less than 1 million yuan are generally regarded as a kind of consumption, and investment of more than 1 million yuan has investment value. Among the current customers, the bank is more a channel for buying diamonds at a lower price, and the amount of large investments is small. Due to the constraints of the bank's professional strength, this business is currently unable to launch to more service targets. One of the most concentrated wealth in the world, the investment in the jewelry industry, Shi Dongli, senior engineer of the Provincial Jewelry and Jade Jewelry Industry Association Office, is more optimistic about diamonds, which is also due to her in-depth research on diamond management for many years. A diamond is different from other gems. It is the only single element in a gemstone. The main component is carbon. The diamond has a Mohs hardness of 10, which is the highest hardness of natural minerals, has a density of 3.52 g/cm3, a refractive index of 2.417, and a dispersion ratio of 0.044. Scientists have studied diamonds from different mines in the world and their intermediate inclusion minerals. The formation of diamonds is generally at a pressure of 4.5-6.0 Gpa (equivalent to a depth of 150-200 km) and a temperature of 1100 °C-1500 °C. Although in theory, diamonds can be formed in various periods and stages of Earth's history, most of the mines currently mined are mainly formed between 3.3 billion years ago and 1.2-1.7 billion years. For example, some diamonds in South Africa are about 4.5 billion years old, indicating that these diamonds have begun to crystallize deep in the earth shortly after the birth of the Earth. They are the oldest gemstones in the world. The harsh natural conditions of diamond formation itself have caused the scarcity of diamond resources on the earth. Since the discovery of diamonds by humans, about 350 tons of diamonds have been produced, or 1.75 billion carats. Now, the world is mining 90 million to 100 million carats a year. Among them, gem-quality diamonds account for only 17%-20%. However, 20% gem-quality diamonds are worth five times the value of 80% industrial grade diamonds. The simple mineral composition makes it possible for diamonds to form a uniform standard. Today, the “4C” evaluation criteria for diamonds are gradually being understood. The so-called "4C" refers to the determination of the price by determining the weight, clarity, color grade and cut quality of the diamond. Internationally, like gold, the regular release of diamond price lists by specialized agencies has become an important reference for diamond traders to trade diamonds. Although the “4C” of diamonds is somewhat complicated for laymen, this evaluation standard makes diamonds different from other gems with similar liquidity to gold. In addition, due to the scarcity of its resources, its price is significantly higher than gold, Shi Dongli helped reporters compare diamonds with gold prices, compared with one gram of gold and one gram of diamonds, one gram of diamond if you choose jewellery with 50 The sub-drilling is ten such small diamonds. The total value is currently around 160,000 yuan, which is about 500 times the current value of one gram of gold. If it is a one-gram-weight independent diamond, it is a large 5-carat diamond. Even if it only meets the standards for jewellery, its price will be more than 1 million yuan, which is 3,000 times the price of gold. If the color and clarity are above the medium level, the price is at least 3 million yuan, which is equal to 10,000 yuan of gold value. More than double. It is known that diamonds are one of the most concentrated wealth known in the world. Due to the high concentration of its wealth, it also brings another major advantage to diamond investment, namely, maneuverability. Jewelers are used to telling stories. The story of Shi Dongli is about Chen Xiangmei. In the book "The Autobiography of Chen Xiangmei in the Spring and Autumn Period", she noticed the plot: When the Japanese occupation of Hong Kong, Chen Xiangmei’s family escaped, Chen Xiangmei and the elder sister secretly The treasures left by the mother, such as diamonds, were sewn in the thick cotton jacket worn in the winter. They were also cut through holes in several books, and the diamond earrings and rings were placed inside, and they were not found by the Japanese. In the future, relying on these things, a talented person will have a hard time. Guo Zhiyong, assistant to the president of Shenyang Traweg Jewelry Company, tells the story of the Jews. He said: "The Jews are the main operators of the world's diamonds, the last century, the Jews suffered persecution, they chose a diamond as an asset protection in a vagrant life in itself sufficient to prove its reliable and convenient." Diamond has the best investment experts guidance office Province Gems & jewelry trade Association senior Shi Dongli eyes, plainly as diamonds and gold, as a polished weight, color, clarity and cut are unmistakably put in there, people can not change it easily. Of course, this familiarity is based on strong professional knowledge. In Western countries, diamonds have been in the public for more than 400 years. If you pay attention to it, we will see the familiarity of diamonds in Western literature, such as the Soviet work "Doctor Zhivago", female. The guests saw a diamond ornament given to the hostess by a guest and would be surprised to evaluate it. However, after the founding of the People's Republic of China, diamonds have only been in our lives for only 20 years. The rapid development of the diamond market in a short period of time means that there are a lot of risks involved in investment opportunities. For example, Shi Dongli said that two diamonds with GIA certificate and the same weight are 1 carat G color and SI1 clarity, one of which is 6.45-6.47x3.95 and the other is 6.17-6.25x4.11, the total depth is They were 61.1% and 66.2%, respectively, and the countertops were 56% and 58% respectively. This is the value indicated on the certificate. For a layman, one may look cheap. So how do you say that it is the price itself, and has nothing to do with letting profit. Therefore, she suggested that ordinary consumers intend to invest in diamonds, preferably with the help of trustworthy experts. In addition, since the price of diamonds has rarely fluctuated greatly since its formation, it has been increasing by a few percentage points per year. Therefore, diamonds are a long-term investment or asset reserve method and are not suitable for speculation. As for the choice of investing in loose diamonds and diamond ornaments, the main consideration should be the cost of holding. For large diamonds, the cost of inlaying is much lower in cost. "But then again, the diamond is beautiful. It seems a pity to just buy a loose diamond and let it play a decorative function." She said. Background Tips Compared with some provinces and cities in southern China, the diamond consumption market in the Liaoning area has always been somewhat dull, especially after the diamond repurchase business in Shanghai and Chongqing, in addition to creating a “mouse + cement” diamond sales model. The physical experience stores of well-known diamond online shopping companies have entered 12 cities including Beijing, Hangzhou and Guangzhou, and none of them in Liaoning and even the Northeast. Diamond products are sold at a lower price closer to international quotations, and the concept of sales of diamonds on the one hand is due to the fact that diamond prices have shown a steady growth in the turmoil in the international financial market. The recognition of diamonds is further enhanced. On the other hand, after spending more than 20 years of development in China, its consumption requirements have become irreversible and have entered a new stage. Despite the complexity of peer discussions, the Shenyang region still had the first transparent sales platform for diamonds in the Northeast region at the end of last year. In addition, some banks have also tested water diamonds for diamonds. For the people in the Liaoning area, diamonds The channels for becoming investment products are gradually opening. Liaoning underground Tibetan diamonds At the beginning of this year, the news of the discovery of reserves of 1 million carats of diamonds in Dalian Wafangdian area further narrowed the emotional distance between diamonds and consumers in our province: it turns out that we also have such rare minerals around us. Zhang Wenzhao, director of the Provincial Jewelry and Jade Jewelry Industry Association Office and senior engineer, said that the diamond mine in the Wafangdian area of ​​Liaoning Province was discovered and explored in cooperation with the diamond multinational company De Beers in the 1970s. The diamond deposits in Liaoning are characterized by white color and high clarity. They are diamond mines with good color. The minerals discovered at the beginning have been developed over several years and have been mined. Limited to the technical conditions at that time, it was unable to explore deeper buried minerals. Until the provincial geological and mineral resources departments increased their investment in recent years, the area of ​​diamond deposits was discovered, and the kimberlite rock formation with a thickness of 130 meters was found at a depth of 860 meters. He said: "This process itself reflects the rareness of diamonds." Currently, the diamond mine in the Wafangdian area is the largest in Asia, and its current total reserves are only equivalent to 1% of the world's annual mining volume. Its discovery It still cannot change the fact that China’s diamond resources are scarce. The diamond-bearing kimberlite and potassium-magnesium lamprophyre are extremely rare on the earth's surface, and the average exposed area is only 0.05k. Under the cover of farmland, forests, lakes and rivers, the search for diamonds can be described as “a needle in a haystack”. The diamond deposits in northwestern Canada were discovered by generations of geologists after hard work and costing at least several hundred million dollars. In diamond deposits, 20% of diamonds are produced from primary mines and 80% are produced from sand mines. 80% of the world's total diamond production can only be used in industry, and only 20% is used in jewelry and collections. And get a carat of polished diamonds, dealing with an average of about 250 tons of ore.

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