China Industrial and Commercial Bank will classify customers into six categories according to their personal contributions to the bank: seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers. Five-star (inclusive) customers can be regarded as quality customers. ; ; Star classification standard: (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. ; The related indexes and calculation of star rating of individual customers are as follows: 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. (1) 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. (2) Medium and long-term assets mainly include: fixed-term savings deposits (including fixed-term and fixed-term activities), provident fund deposits, wealth management products (excluding smart express trains), 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. 3. Intermediary business Intermediary business indicators consist of three details: investment and wealth management transactions, credit card consumption transactions and settlement transactions. The calculation caliber of the index is the cumulative transaction volume of 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 transaction indicators mainly include: fund subscription and redemption (excluding monetary fund), wealth management product purchase (excluding Tong Ling Express), national debt purchase, insurance purchase, gold transaction, account banking transaction, foreign exchange transaction, etc., which can earn 200 stars per 10,000 yuan of investment and wealth management transactions. (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 star points for every 10,000 yuan 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. ① Cross-border remittance is not included at present. (2) The star point value will only be calculated if the transaction has received the handling fee, and it will not be calculated if the transaction has not received the handling fee due to preferential reasons.

Second, how to find customers who need loans

If you want to find a loan customer, first of all, you have to go to the bank. There are many people in the bank. The bank will handle the loan business, so if their procedures meet the requirements of the bank, then the bank will handle it for him, if the procedures do not meet the requirements. What about these people? They may be your target.

Third, how to find high-quality customers for loans.

The way to find high-quality customers for loans is to find the object that needs loans first, and then communicate and contact with customers. In the process of communication, there will be mutual trust, and you can find reliable people as your customers from the company's platform. There are many points to pay attention to when looking for customers, and it is necessary to decide whether a person can become a quality customer from many aspects. What are the performances of quality customers? First, personal credit. Although personal credit does not represent a person's integrity, it can represent a person's integrity to a certain extent. The credit is too low to guarantee that the lender can really pay off the loan, and there may be overdue repayment or deliberate delay, causing unnecessary trouble. Second, the financial situation. Financial status is a proof of a person's repayment ability. If the lender has a stable career and economic income, it will increase the possibility of repayment; If there is really a malicious overdue situation, you can use your salary as collateral. If you can repay the loan on time, it will really reduce a lot of unnecessary troubles and increase the bank's recognition of the lender. Third, the purpose of the loan. If the purpose of borrowing is a serious event or an inevitable consumption of funds, it may increase the possibility of loan success. The original intention of bank loans is to ease the financial pressure of lenders and facilitate people's urgent need for money, so the amount of loans should be spent where it is worth spending. If it is an improper event, it will not succeed in general.

Fourth, how can we find high-quality customers with loan needs?

You can get the list of high-quality customers through the third-party loan platform.