1. Individual customers are divided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers according to their contribution stars. The evaluation criteria for each type of customers are as follows: (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.
2. Customers who meet one of the following conditions will be upgraded to the corresponding star immediately if their current service star is low: (1) Sign a private banking service agreement and adjust the service star 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.
Third, the relevant indicators and calculation
1. Financial assets Financial assets indicators are composed of short-term assets and medium-and long-term assets, and the indicators are calculated as the average daily balance of various financial assets for half a year.
Short-term assets mainly include: demand savings deposits, third-party depository, intelligent express wealth management products, money market funds and credit card deposits. You can get 135 stars for every ten thousand yuan of short-term assets.
Medium-and long-term assets mainly include: fixed-term savings deposits (including fixed-term jobs and two toilets), provident fund deposits, wealth management products (excluding Tong Ling Express), funds (excluding money market funds), national debt, insurance and gold (including paper gold, physical gold and brand gold). You can get 100 star points per 10,000 yuan of medium-and long-term assets.
2. Personal Liabilities Personal liabilities indicators consist of three details: personal housing mortgage loans, other personal loans and card overdrafts. The calculation caliber of the indicator is the half-year average daily balance of a single liability. (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) Credit card interest overdraft 1 10,000 yuan can get 200 stars.
Four. The index of intermediary business consists of three details: investment and wealth management transactions, credit card consumption transactions and settlement transactions. 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 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 wealth 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, gold trading, foreign exchange trading and other investment and wealth management transactions can get 200 stars per 10,000 yuan. (2) Credit card consumption transaction indicators mainly include transactions generated by POS credit card consumption of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, debit cards, quasi-credit cards and other cards. You can get 400 stars for every 10,000 yuan investment and wealth management transaction. (3) Settlement transactions mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 200 stars for every 10 thousand yuan settlement transaction.