سعر الذهب بـ Taiwan Dollars (TWD) اليوم

Taiwan has a well-developed gold market centered around the banking system, with the Bank of Taiwan being the country's primary gold dealer. The Bank of Taiwan's "Gold Passbook" (黃金存摺) product, introduced in 1997, revolutionized retail gold investment in Taiwan by allowing customers to buy and sell gold in their bank accounts in NT dollar terms, starting from as little as 1 gram. This book-entry gold system has attracted millions of Taiwanese investors who can trade gold at any Bank of Taiwan branch during banking hours at real-time prices derived from international spot rates. Taiwan is one of the few markets where bank-intermediated gold accounts dominate over physical bullion dealers. Physical gold can be withdrawn from Gold Passbook accounts in standardized bars (typically 100g, 250g, or 1 kg). Taiwan does not levy capital gains tax on physical gold for individuals, making it a favorable environment for gold investment. The Central Bank of the Republic of China (Taiwan) holds approximately 423.6 tonnes of gold reserves — disproportionately large for the island's economic size and reflecting both historical accumulation and the government's desire to maintain substantial reserves amid geopolitical uncertainty.

Taiwan does not impose capital gains tax on the sale of physical gold or gold passbook transactions for individual investors — gains from gold sales are considered non-taxable personal income. The 5% business tax (similar to VAT) applies to gold jewelry and retail gold products, but Gold Passbook transactions through the Bank of Taiwan are exempt from business tax as they are classified as financial service transactions. Gold bars withdrawn from Gold Passbook accounts for physical delivery may incur a fabrication fee but no additional tax. There is no wealth tax in Taiwan. Futures trading gains on gold (through the Taiwan Futures Exchange) are subject to securities transaction tax at 0.00002% of the contract value. Estate tax applies to gold holdings at 10-20% for estates exceeding the exempt amount, though gold passbook balances are included in estate calculations at market value.

The Bank of Taiwan dominates the retail gold market through its Gold Passbook product, which is available at all branches and through online banking. The product allows purchase/sale in NT dollar amounts (minimum NT$1,000 or 1 gram) with pricing based on international spot rates plus a spread. Other banks including CTBC, Mega Financial, and First Commercial Bank offer similar gold savings products. The Taiwan Futures Exchange (TAIFEX) lists gold futures contracts denominated in NT dollars for hedging and speculation. Physical gold dealers include the Bank of Taiwan's physical delivery service, Taiwan Gold Mining Company, and various jewelry chains. Traditional gold shops are concentrated in Taipei's Yanping North Road (延平北路), historically the center of the gold trade. Taiwan's gold market is notable for its institutional depth — insurance companies, pension funds, and the central bank are significant holders. The Central Bank of the Republic of China (Taiwan) stores much of its gold domestically, unlike many nations that hold reserves in London or New York. Taiwan's semiconductor industry (TSMC, MediaTek) consumes gold for bonding wire, adding an industrial demand component.