there are no grades for industrial and commercial bank cards, only general cards, gold cards and exclusive cards, and individuals are divided into stars. Individual customers are subdivided 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 8, (inclusive).
(2) Six-star customers: the star point value is 1 (inclusive) ~ 8.
(3) five-star customers: star point value is 2 (inclusive) ~ 1.
(4) four-star customers: the star point value is 5 (inclusive) ~ 2.
(5) three-star customers: the star value is 5 (inclusive) ~ 5. (6) Quasi-star customers: the star point value is (excluding) ~ 5.
(7) customers whose star point value is equal to 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) Sign a private banking service agreement and adjust the service star rating to seven stars.
(2) Open ICBC Wealth Management Account Card and Platinum Credit Card, and adjust the service star rating 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 a general credit card and adjust the service star to four stars. The star point value is calculated by summarizing the assets, liabilities and intermediary business of ICBC (bank-wide) in recent six months. Related 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 half-year average daily balance of various financial assets.
(1) Short-term assets mainly include: demand savings deposits, third-party depository, smart express wealth management products, money market funds and credit card deposits. You can get 135 star points per ten thousand yuan of short-term assets.
(2) Medium-and long-term assets mainly include: fixed-term savings deposits (including fixed-term and flexible working), provident fund deposits, wealth management products (excluding smart express), funds (excluding money market funds), national debt, insurance and gold (including paper gold, physical gold and brand gold). You can get 1 stars per 1, yuan of medium-and long-term assets.
2. Personal Liabilities Personal liabilities indicators are composed of three sub-items: personal housing mortgage loans, other personal loans and card overdraft. The calculation caliber of indicators is the half-year average daily balance of individual liabilities.
(1) You can get 1 stars per 1, yuan personal housing mortgage loan.
(2) Other personal loan indicators include personal consumption loans and personal business loans, and other personal loans can earn 2 points per 1, yuan.
(3) You can get 2 star points per 1, yuan credit card interest overdraft.
3. Intermediary business indicators are composed of investment and wealth management transactions, 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 standard upper limit amount of the service fee, the upper limit amount will be taken as the transaction amount and included in the index statistics. If a single transaction has enjoyed the preferential rate of our bank, 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 funds), wealth management product purchase (excluding Lingtong Express), national debt purchase, insurance purchase, gold trading, foreign exchange trading, etc. You can get 2 stars per 1, yuan of investment and wealth management transactions.
(2) The indicators of card consumption transactions mainly include transactions generated by POS card consumption of various cards such as Smart Card, Wealth Management Account Card (including ICBC Wealth Management Account Card), credit card, debit card and quasi-credit card. You can get 4 stars per 1, yuan of investment and wealth management transactions.
(3) Settlement transactions mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 2 stars per 1, yuan of settlement transactions.