Each bank has different VIP thresholds. Here we take the VIP service of Changsha Rural Commercial Bank as a reference.

Gold customers: customers with an average daily balance of financial assets ranging from 200,000 yuan (inclusive) to 500,000 yuan, business cards and Xiaoxiang Diamond Cards (with a limit of less than 200,000 yuan).

Financial assets include deposits and financial products.

Platinum customers: customers with an average daily financial asset balance of 500,000 yuan (inclusive) to 3 million yuan or Xiaoxiang Diamond Card (limit of more than 200,000 yuan).

Diamond customers: customers with an average daily financial asset balance of 3 million yuan (inclusive) or more.

The asset size and after-tax profits of my country's banking industry have increased significantly year by year. In 2011, the profits realized by China's banking industry accounted for nearly one-third of the total profits of the global banking industry.

my country's banking industry is developing rapidly. However, against the background of accelerated interest rate liberalization, intensified internal and external competition, and declining profit growth, banking and financial institutions must make corresponding strategic adjustments in business structure, resource allocation, and regional layout.

As competition in the banking industry continues to intensify, banking financial institutions are paying more and more attention to the tracking and research of the industry development environment and market demand, especially in-depth research on changes in the banking business development environment and customer demand trends.

Because of this, a large number of outstanding domestic banking institutions have emerged rapidly, gradually forming their own business characteristics and becoming industry leaders or newcomers.

The bank's profit channels are loans, bank insurance, sales of wealth management fund products, sales of financial equipment, profit from consumption of financial intelligent terminal business, hedging business, bill business, etc.

The profit ratio of most banks in China is: 30% from loans, 10% from banking insurance, 10% from sales of wealth management fund products, 5% from sales of financial equipment, 30% from consumption of financial intelligent terminal business, 5% from hedging business,

10% of bill business, etc.; the profit ratio of foreign banks is: 15% of loans, 15% of bank insurance, 15% of sales of financial fund products, 10% of sales of financial equipment, 35% of profit from consumption of financial intelligent terminal business, and hedging business

5%, bill business 5%, etc.

On February 24, 2016, media reported that 7 of the 16 listed banks had handed over last year’s performance reports, and generally their net profits continued to decline.

The performance report shows that the net profit attributable to shareholders of the parent company for these seven banks in 2015 was 271.661 billion yuan, which means that the seven banks made a net profit of 744 million yuan every day last year.

Although this value is still among the best in various industries, the continued decline in profit growth is still a future trend.

The net profit growth rates of 7 banks all declined to varying degrees compared with 2014. The net profit growth rates of 6 joint-stock banks even fell to single digits. The net profits of China Merchants Bank, Industrial Bank, Hua Xia Bank, China CITIC Bank and Shanghai Pudong Development Bank increased.

The average speed dropped by more than half.

CITIC Bank’s net profit growth rate was the lowest, only 1.15%.

Only Bank of Nanjing, a city commercial bank, maintained double-digit performance, reaching 24.86%.