You can increase your assets and liabilities in our bank (loan, and keep a good repayment record), use our bank card for POS credit card consumption, and handle transfer and remittance, deposit and withdrawal in different places, investment and wealth management in our bank, all of which will help improve your star rating.
Related indicators and calculations
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 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 savings deposits), provident fund deposits, wealth management products (excluding smart express lines), funds (excluding money market funds), national debt, insurance, precious metals (including account precious metals, agent physical gold and brand gold), etc. You can get 100 star points per 10,000 yuan of medium-and long-term assets.
With instructions:
① Precious metal deferral is not included in the calculation of star point value for the time being. The following is the star value of the balance of precious metal deferred non-cumulative assets.
(2) Precious metals in USD account shall be calculated after being converted into RMB according to the highest quotation of the day (the highest quotation on Saturday and Sunday).
2. Personal liabilities
Personal debt index consists of three details: personal housing mortgage loan, other personal loans and card overdraft. The calculation caliber of this index is the half-year average daily balance of each personal debt.
(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.
With instructions:
Provident fund loans are not counted temporarily.
(3) Personal loans are calculated according to the paid interest, and the star value is calculated according to the average interest rate. Because different customers enjoy different interest rates, they get different star point values. For example, the average daily mortgage balance of two customers for half a year is 654.38+0 million, but the customer with a 30% discount rate has a star value lower than the benchmark interest rate.
(4) Credit card interest overdraft 1 10,000 yuan can get 200 stars.
3. Intermediate business
Intermediate business indicators are composed of investment and wealth management transactions, credit 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 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 financial management
Trading indicators mainly include: fund subscription and redemption (excluding monetary fund), wealth management product subscription (excluding Tong Ling Express), national debt subscription, insurance subscription, account precious metal subscription/sale, physical precious metal subscription/sale, and brand gold subscription/repurchase. You can get 200 stars for every 10,000 yuan investment and wealth management transaction.
With instructions:
① Accumulated star point value of account precious metals, physical precious metals (including deferred) and brand gold according to the transaction amount of *0.02.
② Foreign exchange transactions are not included in the calculation of star point value for the time being.
(3) Precious metals in the USD account are calculated after being converted into RMB according to the highest quotation of the day (the highest quotation on Saturday and Sunday).
④ The deferred trading amount of precious metals refers to the leverage amount, not the margin.
(2) Credit card consumption
Transaction indicators mainly include the transactions generated by POS credit card consumption of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, credit cards, quasi-credit cards and other cards. You can get 400 star points for every 10,000 yuan transaction.
With instructions:
① The star point value generated by the credit card transaction is included in the account of the main cardholder.
② At present, transactions such as pos card purchase and car purchase are included in the star point value. House purchase and car purchase transactions are still included in the star value.
③ The foreign currency account in the dual-currency credit card is converted into RMB according to the foreign currency transaction amount to calculate the star point value.
(3) Settlement category
Transactions refer to deposits and withdrawals from different places, remittances from different places and inter-bank remittances. You can get 200 stars for every 10 thousand yuan settlement transaction.
With instructions:
① Cross-border remittance is not included at present.
(2) The star point value is calculated only for the transaction that charges the customer's handling fee, and it is not calculated if the handling fee is not charged due to preferential reasons. The specific calculation method is based on the paid handling fee, and the star point value of each business is the paid handling fee multiplied by 2.