实物黄金的的premium
当黄金期货价格是n元，这个加个可以称为spot price。此时你买实物黄金，需要交付的n+n*百分比。这个百分比各个商家（dealer）收取的不一样。这个差价就是premium。你可以把它理解为黄金首饰的价格每克比金条多，但金条又比spot price中的金条多。
国内金店的工艺金条premium收得很高。
不过今天不是说这个。我想请大家注意，这个差价的百分比是有变化的。从变化，你可以看出实物黄金和白银是否真的像期货黄金价格显示的那样下降了。
这一段当黄金下降到750美元一盎司，白银到了10美元左右，这个百分比黄金达到了20％，白银达到了40％！这是什么概念。而之前这两个百分比要低很多。
这是实物黄金开始了和纸黄金脱离的过程。是法定货币走向崩溃的开始。：）
premium
- payment for insurance
- the amount that something in scarce supply is valued above its nominal value; "they paid a premium for access to water"
- agio: a fee charged for exchanging currencies
- a prize, bonus, or award given as an inducement to purchase products, enter competitions initiated by business interests, etc.; "they encouraged customers with a premium for loyal patronage"
- having or reflecting superior quality or value; "premium gasoline at a premium price"
- bounty: payment or reward (especially from a government) for acts such as catching criminals or killing predatory animals or enlisting in the military
wordnet.princeton.edu/perl/webwn
当然取第2个解释。
A prize or award; Something offered at a reduced price as an inducement to buy something else; A bonus paid in addition to normal payments; The amount to be paid for an insurance policy; An unusually high value; Superior in quality; higher in price or value
en.wiktionary.org/wiki/premium