There are many different types of refractory materials, take fire brick for example some of the harder clay type refractory brick will absorb and hold a lot of heat, if you set your dish on these they can pull the heat away from your melting dish.
Soft fire brick will not absorb heat as well, and can tend to reflect the heat, the soft fire brick is normally very light weight full of air pockets in its porous nature, it is soft and can be carved easily with many of the basic hand tools, this would be a better option to sit your melting dish on.
https://www.google.com/search?newwindow=1&q=types+of+refractory+and+their+properties+and+uses&oq=types+of+refractory+and+their+properties+and+uses&gs_l=serp.12...430260.457255.0.459353.50.46.0.4.4.0.243.5132.11j30j1.42.0....0...1c.1.57.serp..28.22.2273.0.9SxzmPiRGgQ
Kaowool refractory blanket (similar to a fiber glass insulation), but made from alumina and silica fiber refractory material, its temperature ranges 2300 to 3000 deg. F (1260 to 1549 deg. C). it will not absorb heat from your ceramic dish as it has plenty of air space between its fibers, it also has a fairly high melting point, so if you do not put your torch directly to it this make a good material to sit your melting dish on.
https://www.google.com/search?newwindow=1&site=&source=hp&q=Kaowool+Blankets%2C+Board+and+Rigidizer&oq=Kaowool+Blankets%2C+Board+and+Rigidizer&gs_l=hp.12...4956.4956.0.6175.2.2.0.0.0.0.157.224.1j1.2.0....0...1c.2.57.hp..2.0.0.0.rO7Ot0cabcE
http://www.matweb.com/search/GetMatlsByManufacturer.aspx?manID=318
Air, will not suck that much heat from your melting dish, you can buy, or make a holder with a handle for your melting dish, so the dish is held in the air. or even clamped in a vise, as you melt your gold.
https://www.google.com/search?q=Melting+dishes+with+handle+and+holder&newwindow=1&source=lnms&tbm=isch&sa=X&ei=7qxRVMjMAY3piQLk94GwBA&ved=0CAkQ_AUoAg&biw=1280&bih=808 gold.
You can melt gold in carbon but it is not a wise choice if you are refining the metals...
Charcoal acts a reducer for metal oxides when melted, it will take oxygen from the base metal oxides and convert them to metal in the melt, to form CO2 gas.
If these same base metal oxides were melted in a silica dish without carbon ( and the torch flame is an oxidizing flame) they most likely would tend to stay oxides, or if metal you can turn the base metal to oxides.
Your torch can also play a role here ,if the flame is reducing or oxidizing, with excess air or oxygen you can oxidize many base metals, with a reducing flame you can reduce metal oxide to elemental metal in the melt with the torch.
The reactivity series of metals also can play a role here of how easily the metal is reduced with carbon or oxidized with air or oxygen...