What does a five-star bank mean?

Refers to the evaluation criteria of each type of customer.

Such as the standard value of ICBC's star rating:

(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.

1, classification

The star ratings of individual customers are divided into six categories, from high to low, namely, seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers. Customers with sporadic values do not participate in star rating.

2. Evaluation method

The star rating of individual customers is based on your comprehensive business volume in our bank. Customers can make deposits, loans, investments and wealth management (including funds, wealth management products, national debt, insurance, precious metals, etc.) according to their own business volume to accumulate star points. ), credit card spending, remittance and remote deposit and withdrawal, get a star rating. The stars obtained from the above business can be accumulated, and our bank will rate them according to the total stars of customers.

3. Adjustment method

The star rating of individual customers is dynamically adjusted, and the end of each month is the star rating day. The system will evaluate the star rating according to your accumulated comprehensive business volume in the first six months. If the star rating rises, you will automatically enjoy more benefits and services at the beginning of next month.

In order to highlight the value of high-star customers and strengthen customer maintenance, the update time of customer service star decline is June 30th and June 365438+February 3rd1every year. Considering that customers may have a temporary decline in business volume for various reasons, the bank also provides differentiated decline buffer period for customers with declining star ratings.

Among them, the buffer period for seven-star customers is two years, that for six-star customers is one year, and that for customers under five stars is half a year, so as to minimize the inconvenience caused by changing stars.

Extended data:

Methods of star promotion:

Banks will calculate the star point value according to the contribution of customers, and then rate customers, so if they want to improve the star rating, they have to accumulate more star point values. The star point value is based on your assets, liabilities and business situation in ICBC for nearly 6 months. So if you want to improve the star rating:

1, deposit more in ICBC and increase your assets in ICBC;

2. You can buy more wealth management products at ICBC;

3. Apply for an ICBC credit card, preferably a gold card or above, and spend more by swiping it. It is best to choose restaurants, hotels and other entertainment places when spending;

4. ICBC can be used as a salary card, because a bank with flowing water is very important. Or you can deposit and withdraw money from this bank card regularly every month.

References:

China Industrial and Commercial Bank-Star Service for Individual Customers