Relying on the gold price of Shanghai Gold Exchange as the basis for business development, the Smart Gold Investment Product Trading System makes use of the bank's existing large retail customer base and a large amount of retail wealth management scale to provide bank customers with Smart Gold Investment Product wealth management product services. It is an extension of the sales of gold products in Internet channels, providing retail customers with a new way of wealth management and helping achieve investment trading on the offline gold market, thus increases the intermediate income for banks, activates capital of customers, attracts customers outside the industry, improves customer stickiness, and maximizes the increase of wealth.