central composite value index and calculation:
1 chaussures boss,
financial assets; financial assets index by long-term assets of two small composition of short-term assets and, index calculation for the financial assets of the daily balances during the first half of the year.
(1) the short-term assets
mainly include: the savings deposit, the third party depository, well-informed express financial products, money market funds, credit card deposit.Every ten thousand yuan of short-term assets can obtain 135 point value.
(2) long-term asset
mainly include: regular savings deposits (including optional), provident fund deposit, financial products (excluding well-informed express), funds (excluding money market funds), bonds, insurance, noble metal (including account of precious metal, gold, brand agent gold), etc..Long-term assets per million in 100 star value.
note: precious metal deferred not into the star value calculation.
2, personal debt
personal debt indicators by the personal housing mortgage loans, personal loans, overdraft of three small, index calculation caliber for the personal debt daily balances during the first half of the year.
(1) per 10000 yuan of personal housing mortgage loans can obtain 100 point value.
(2) and other indicators of personal loans, including personal loans, personal business loans and other varieties, per million other personal loans can obtain 200 point value.
(3) the personal loan star value algorithm based on interest received projections, the star value is calculated according to the average interest rate.Due to different customers enjoy the rates are different, the star value difference.Such as: the first half of two mortgage customers daily balance is 1000000, but the rate of thirty percent off customers get the star value below the benchmark interest rate of customers.
baskets Christian Louboutin homme; (4) per 10000 yuan of credit card overdraft can obtain 200 point value.
3, intermediate business
intermediate business indicators by the investment transaction, transaction settlement transaction card consumption, three small composition, index calculation caliber is the first half of this year the amount of the transaction.If a single transaction amount exceeds the service fees charged standard limit amount, to limit the amount of the transaction amount in the statistical index.If a single transaction has enjoy our preferential rates, the transaction amount at a preferential conversion ratio and included in the statistical index.
(1) investment in
transaction indicators include: purchase and redemption of fund (excluding the IMF), financial products to buy (excluding well-informed express), buy bonds, insurance, account of precious metal, kind of precious metals, brand gold, foreign exchange trading.Every ten thousand yuan investment transactions can obtain 200 point value.
note: the account of precious metals, precious metals, real brand gold sale by the amount of the transaction value of cumulative *0.02 star.
foreign exchange trading not into the star value calculation.
(2) card consumption
transaction indicators include China, the financial account card (including ICBC wealth financial accounts gold card) boutique paul smith, credit card, debit card, card and other cards produced by the POS consumer credit card transactions.Every ten thousand yuan turnover can obtain 400 point value.
note: the credit card vice card transactions generated by the star values in the cardholder account.
② the POS card purchase, car buying transactions are included in the star point.
(3) settlement
echarpe ralph lauren; transaction means including remote access, remote remittances, inter-bank remittance.Every ten thousand yuan settlement transactions can obtain 200 point value.
chaussures gucci;
note: at present, no cross-border remittances.
② to charge customers fees before the transaction value calculation of star because of not computing, preferential and other reasons not to charge a fee.The specific method for calculating according to the fee, each business income star value paid-up fee multiplied by 2.
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