CCB’s VIP customer levels are divided into head office-level platinum card customers and branch-level gold card customers.

Head office-level platinum card customers need to meet the following requirements (one of them is enough): the average monthly deposit in CCB reaches 500,000 yuan; personal loans reach 1 million yuan; the purchase of treasury bonds, insurance and funds is 500,000 yuan; For two consecutive years, the annual shopping consumption by credit card has reached 100,000 yuan; the monthly personal foreign exchange transaction volume is 800,000 US dollars.

Branch-level gold card customers need to meet the following requirements (one of them is enough): the average monthly deposit in CCB reaches 200,000 yuan; a personal loan reaches 500,000 yuan; the purchase of treasury bonds, insurance and funds reaches 200,000 yuan; For two consecutive years, the annual shopping consumption by credit card has reached 100,000 yuan; the monthly personal foreign exchange transaction volume is 400,000 US dollars.

Construction Bank Business

Credit funds loans, residents' savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

Type introduction

Personal housing loan business

Personal housing loan business refers to China Construction Bank or China Construction Bank accepting entrustment to purchase, construct, and Loans issued to natural persons for overhauling various types of houses. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.

Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.

Credit card business

China Construction Bank, as one of the earliest state-owned banks in China to issue credit cards, already has many credit card types.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.

Silver Star International Money Transfer

CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The customer entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances to remit personal foreign exchange funds overseas.

Service status

While consolidating traditional business advantages, emerging businesses such as investment banking have developed rapidly, achieving revenue of 3.203 billion yuan in 2008. By promoting corporate initial public offerings and refinancing, New financial advisory businesses such as mergers and acquisitions and restructuring, equity investment, and project financing continue to expand financial advisory customers such as AA-level and above customers, multinational companies, foreign banks, large and medium-sized enterprises, etc. Only the financial advisory business achieved fee income of 2.377 billion yuan, an increase of 16.510 billion yuan. .

A series of financial products tailored for small businesses continue to be introduced. By 2008, the bank's small business loan balance reached 249.532 billion yuan, an increase of 11.16% from the beginning of the year. Cooperated with Alibaba to develop products such as e-commerce joint loan and guarantee, Quick Loan and order financing, and issued loans of 520 million yuan to 175 customers within half a year.

The Bank was the first among its mainland peers to create a "Customer Reception Day" system, establishing a mechanism for managers at all levels from the head office, branches and sub-branches to regularly receive customers, making progress in personalized and differentiated customer services.

On the one hand, branch transformation has been steadily promoted; on the other hand, a team of private banking consultants and experts has been established, and 81 wealth management centers and more than 1,570 financial management centers have been built. Private banks in Beijing and Shanghai have successively opened to provide exclusive financial management for mid-to-high-end customers. Comprehensive and personalized services such as products, asset management, consulting, and charitable trusts.

In serving the Olympic Games in 2008, in addition to actively handling foreign-related financial services such as foreign currency exchange, traveler's checks and foreign currency acceptance, it also launched the 95533 multi-lingual telephone banking service function to provide overseas customers with English, French , German, Russian, Japanese, Korean and other multi-lingual service support, and strive to improve the ability and level of serving overseas customers in China.

At the same time, the mutual fee-free ATM cash withdrawal service developed in cooperation with Bank of America allows athletes and tourists holding Bank of America debit and credit cards to enjoy fee-free cash withdrawal services at CCB ATMs.