(1) Seven-star customers: the star point value is above 80000 (inclusive).
(2) Six-star customers: the star point value is 10000 (inclusive) ~ 80000.
(3) Five-star customers: star point value 2000 (inclusive) ~ 10000.
(4) Four-star customers: the star point value is 500 (inclusive) ~ 2000.
(5) Three-star customers: the star point value is 50 (inclusive) ~ 500.
(6) Quasi-star customers: the star integral value is 0 (excluding) ~ 50.
(7) Customers with a star point value equal to 0 will not be rated as stars.
For customers who meet one of the following conditions, if the current service star rating is low, the system will automatically upgrade to the corresponding star rating immediately:
(1) signed a private banking service agreement, and the service star was adjusted to seven stars.
(2) ICBC wealth management account card and platinum credit card were opened, and the service star was adjusted to six stars.
(3) Open a wealth management account and a credit card gold card, and adjust the service star to five stars.
(4) Open an ordinary credit card and adjust the service star to four stars.
The star point value is calculated by summarizing your assets, liabilities and intermediary business in this bank (the whole bank) for nearly six months.
Related indicators and calculation:
1, financial assets
The financial assets index consists of short-term assets and medium-and long-term assets, and the index is calculated as the average daily balance of each financial asset for half a year.
(1) Short-term assets
It mainly includes: current savings deposits, third-party depository, intelligent express financial products, money market funds and credit card deposits. You can get 135 stars for every ten thousand yuan of short-term assets.
(2) medium and long-term assets
It mainly includes: fixed-term savings deposits (including fixed-term deposits and fixed-term deposits), provident fund deposits, wealth management products (excluding Tong Ling Express), funds (excluding money market funds), government bonds, insurance, precious metals (including account precious metals, agent physical gold, brand gold) and so on. You can get 100 star points per 10,000 yuan of medium-and long-term assets.
With instructions:
Precious metal delay is not included in the calculation of star point value for the time being.
2. Personal liabilities
Personal debt index consists of three details: personal housing mortgage loan, other personal loans and card overdraft. The calculation caliber of this index is the half-year average daily balance of each personal debt.
(1) Personal housing mortgage loan is available for every 10,000 yuan 100 stars.
(2) Other personal loan indicators include personal consumption loans, personal business loans and other varieties, and other personal loans can get 200 stars per 10,000 yuan.
(3) Personal loans are calculated according to the paid interest, and the star value is calculated according to the average interest rate. Because different customers enjoy different interest rates, they get different star point values. For example, the average daily mortgage balance of two customers for half a year is 654.38+0 million, but the customer with a 30% discount rate has a star value lower than the benchmark interest rate.
(4) Credit card interest overdraft 1 10,000 yuan can get 200 stars.
3. Intermediate business
Intermediate business indicators are composed of investment and wealth management transactions, credit card consumption transactions and settlement transactions, and the calculation caliber of indicators is the accumulated transaction amount for half a year. If the amount of a single transaction exceeds the upper limit of the service fee standard, the upper limit will be taken as the transaction amount and included in the index statistics. If a single transaction has enjoyed our preferential rate, the transaction amount will be converted according to the preferential ratio and then included in the index statistics.
(1) Investment and financial management
Trading indicators mainly include: fund purchase and redemption (excluding monetary fund), wealth management product purchase (excluding Tong Ling Express), national debt purchase, insurance purchase, precious metals in accounts, brand gold, foreign exchange transactions, etc., and you can get 200 stars for every 10,000 yuan of investment and wealth management transactions.
With instructions:
① Cumulative star point value of precious metals, physical precious metals and brand gold in the account according to the transaction amount of *0.02.
② Foreign exchange transactions are not included in the calculation of star point value for the time being.
(2) Credit card consumption
Transaction indicators mainly include the transactions generated by POS credit card consumption of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, credit cards, quasi-credit cards and other cards. You can get 400 star points for every 10,000 yuan transaction.
With instructions:
① The star point value generated by the credit card transaction is included in the account of the main cardholder.
② At present, transactions such as pos card purchase and car purchase are included in the star point value.
(3) Settlement category
Transactions refer to deposits and withdrawals from different places, remittances from different places and inter-bank remittances. You can get 200 stars for every 10 thousand yuan settlement transaction.
With instructions:
① Cross-border remittance is not included at present.
(2) The star point value is calculated only for the transaction that charges the customer's handling fee, and it is not calculated if the handling fee is not charged due to preferential reasons. The specific calculation method is based on the paid handling fee, and the star point value of each business is the paid handling fee multiplied by 2.
The star rating of individual customers is based on the comprehensive business volume of customers in banks. When handling deposits, loans, investment and wealth management (including funds, wealth management products, national debt, insurance, foreign exchange, gold, etc.), customers can get a star rating according to their business volume. ), credit card consumption, remote remittance and deposit and withdrawal. The above business volume can be accumulated according to certain rules. The more customers handle business, the higher the star rating, and the more rewards they enjoy such as preferential fees and value-added services.
For example, the cumulative consumption of credit cards for half a year is more than 5,000 yuan, which meets the standard of four-star customers; The average daily balance of short-term assets (including demand savings, Tong Ling Express ultra-short-term wealth management products and money market funds) for half a year is more than 6.5438+0.5 million yuan, or the balance of medium-and long-term assets (other financial assets except short-term assets) is more than 200,000 yuan, which meets the standard of five-star customers; The average daily personal housing loan for half a year is more than 6,543,800 yuan, which meets the standard of six-star customers; Within half a year, the accumulated deposits and withdrawals from different places, remittances from different places or accumulated transactions of investment and wealth management products were more than 4 million yuan, which met the seven-star customer standard.
The starting star of wealth management customers is 5 stars. However, this star rating is not fixed, but is automatically evaluated by the system once every six months. On June 30th and February 30th every year, 12, 3 1, give a comprehensive score on your business dealings with our bank.
I hope my answer can help you. If you are satisfied, please remember to adopt it.