Sesame Credit points: The parents finish 10 years of bills, and then bask in personal credit points ...

Last December, Alipay launched the "Ten-year Bill", users have to bask in their accounts since the opening of all income and expenditure. Now, sesame credit points, perhaps soon, you will be able to bask in their credit points.

January 28, the ants gold clothing under the sesame credit began in some users in the public test, the first push sesame credit points, visually rendering the user's credit level. It also means China has had its first personal credit score since.

It is reported that the current Sesame credit to take and pay the way to cooperate treasure purse, the public test user login Payment Treasure Wallet 8.5 version, open the "wealth" bar can see Sesame credit score options. Authorized to open, Sesame Credit officially opened.

Sesame Credit score of the lowest 350 points the highest 950 points, the higher the score represents the credibility of the better, the lower the likelihood of default. The 350 to 950-point range is also in line with the international mainstream personal credit scoring range, such as the famous American Fico, whose rating ranges from 300 to 850 points.

In the dimension assessment, it mainly includes the user credit history, behavior preference, performance ability, identity trait, network relationship five dimensions, covering credit card repayment, net purchase, transfer, financial management, water and electricity payment, renting information, the history of residential address relocation, social relations and so on.

Sesame Credit due to have Alibaba's electricity trader transaction data and Ant's Money Clothing's internet financial data, this also becomes Sesame credit to enter the letter industry a big unique advantage.

According to the introduction, sesame Credit coverage of the Netizen community, many of the traditional agencies have failed to cover the grassroots people, such as not have to borrow, did not apply for credit cards, student groups, blue-collar workers, self-employed, freelancers and so on.

In addition to credit scoring for individual users, Sesame credits are also developed for product development around ratings. According to reports, the public test during Sesame Credit has been with car rental, rental, marriage, visa and other areas of cooperation partners to discuss cooperation, and will be in the near future to provide services.

Sesame Credit business Development director said, this means that the individual sesame points to reach a certain value, car rental, hotel can not pay a deposit, online shopping can be first tried to buy, when the visa does not need to flash turn to do a deposit certificate, when the loan can be approved more quickly, get a lower rate than others. At present, with the sesame credit to reach the cooperation of businesses have piglets short rental, Shenzhou rental and Ali travel to AH.

The introduction of Sesame credit points will make up the blank of our personal credit scoring field. At the same time, the development of the Zhejiang Net merchant bank in the preparation of ant-Costume is very important. Data show that, by the end of 2013, the central bank's personal credit system contains about 320 million of the natural person, not less than 1/4 of the total population, while the United States credit system coverage has reached 85%.

Yesterday, Ant Husheng Vice president of the law in the media interview, said that Ali Network Bank's work is in accordance with the plan, is expected to submit acceptance report to the regulatory authorities in March this year, to start business in May-June this year.

On the q&a of Sesame Credit

1. What is Sesame Credit?

Sesame Credit Management Co., Ltd. is a legitimate independent credit evaluation and credit management agencies, the Sesame credit is the credit service system for the society, according to all aspects of information, using large data and cloud computing technology objectively present the personal credit status, through the connection of various services, so that everyone can experience the value of credit.

2. What are the sources of sesame credit data?

Sesame Credit has independent and stable data sources. In addition to the Alibaba Group will be connected to the electronic data and the Ant Financial services Group's Internet financial data, sesame Credit and public security network and many other institutions and partners to establish a wide range of data cooperation, but also will open up various channels to allow users to actively submit various types of credit-related information. In the future, we hope to develop data cooperation with more like-minded partners to improve the personal credit market.

3. What are the products offered by Sesame Credit?

At present, Sesame Credit for the user launched a credit scoring service-Sesame credit score (for short, sesame), with a score intuitively present the level of credit, in the future we will launch a series of credit reports and other products.

4, how to get the sesame points, why not percentile?

Many people will ask, why my sesame is this number, who gave me out? First of all, no one hides behind the phone to give you sesame points, it is based on a number of data models and indicators calculated. Second, credit is not a test from the teacher, but a variety of life on the road test, so it is not a lot of people have been familiar with the percentile. Sesame points reference to the international mainstream personal credit scoring model (such as the United States Fico points, scoring range between 300-850), the interval set at 350-950, different intervals represent different levels of credit. Specifically as follows:

5. What are the five dimensions that make up the sesame seed?

The information of five dimensions of individual user's credit history, behavior preference, performance ability, identity trait and interpersonal relationship was considered synthetically. It should be recalled that no single item of information can directly or completely determine the individual's sesame score, and its five dimensions include the following examples:

1 credit history: Record of past credit account repayment and history of credit account

2 Behavioral Preference: preference and stability in shopping, payment, transfer, financial management and other activities

3 Performance capability: Enjoy all kinds of credit services and ensure timely performance

4 identity traits: a rich and reliable profile of personal information that is left behind in the use of related services

5 relationships: The identity of friends and the level of interaction with friends

Future authorization sesame Credit to obtain more personal information will further improve the credit score and personal credit status of the match.

6, Sesame Branch change? How can you improve your own sesame points?

Under normal circumstances, a person's credit information is relatively stable, reflected in the sesame points will also maintain a relatively stable. However, once the key credit information has changed significantly, the change will soon be reflected in your sesame.

Sesame is a sesame credit according to the current understanding of information, the use of large data methods for comprehensive evaluation, the future Sesame Credit will also provide more information collection channels, individual users through these channels to make Sesame credit to understand its more information will help promote sesame points. At the same time in daily life or economic activities in the use of credit services in a timely manner to fulfill the agreement also contribute to the promotion of sesame. The promotion of credit is a step-by-step process that cannot be quickly promoted through individual actions or events, and requires long-term accumulation.

7. How to protect personal privacy and data security in the process of information collection and utilization of sesame credit?

Information security and privacy protection is the most important and important issue for every credit institution. Sesame Credit will strictly comply with regulations and regulatory requirements, while product design itself will play the advantages of mobile Internet, so that the licensing process become more real-time, transparent. Generally speaking, the use of all credit information must be in the user informed and authorized under the premise of development, all the information to be kept in line with the highest requirements of industry standards, such as the Ministry of Public Security protection level 3 level of information safety.

8, sesame Credit can be applied in what areas?

Sesame Credit not only has a strong ability to predict credit risk in the financial loan relationship, but also has a good distinguishing ability in life service. Therefore, in the future in the financial field, the need for deposits, authorized rental, rental, hotels and other industries, emerging areas of economic sharing, marriage, dating and other life scenes, and so on the field can be used sesame credit.