The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (the whole bank) for nearly six months.
I. Relevant 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 wealth management products, money market funds and credit card deposits. You can get 135 star points for every ten thousand yuan of short-term assets.
(2) medium and long-term assets
It mainly includes: regular savings deposits (including regular jobs), provident fund deposits, wealth management products (excluding smart express), funds (excluding money market funds), national debt, insurance, gold (including paper gold, physical gold and brand gold). You can get 100 stars per 10,000 yuan of medium-and long-term assets.
2. Personal liabilities
The personal debt index consists of personal housing mortgage loan, other personal loans and card overdraft, and the calculation caliber of the index is the half-year average daily balance of each personal debt.
(1) You can get 100 stars per 10,000 yuan of personal housing mortgage loan.
(2) Other personal loan indicators include personal consumption loans, personal business loans and other varieties, and other personal loans can earn 200 stars per 10,000 yuan.
(3) Credit card interest overdraft 1 10,000 yuan can earn 200-star points.
3. Intermediate business
The index of intermediary business consists of three details: investment and wealth management transaction, credit card consumption transaction and settlement transaction. The calculation caliber of the index is the accumulated transaction amount for half a year. If the amount of a single transaction exceeds the upper limit of the service charge standard, the upper limit amount will be included in the index statistics. If a single transaction has enjoyed our preferential rate, the transaction amount will be converted into the index statistics according to the preferential ratio.
(1) Investment and financial management
The trading indicators mainly include: fund subscription and redemption (excluding monetary fund), wealth management product subscription (excluding Tong Ling Express), national debt subscription, insurance subscription, gold trading, foreign exchange trading, etc. You can get 200 stars for every 10,000 yuan investment and wealth management transaction.
(2) Credit card consumption
Transaction indicators mainly include transactions generated by POS card swiping of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, credit cards and quasi-credit cards. You can get 400 stars for every 1 10,000 yuan investment and wealth management transaction.
(3) Settlement category
Transactions mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 200 stars for each 1 10,000 yuan settlement transaction.