What does Sesame credit tell us?

After spending some time in an Internet financial start-up company, the founder was the son of the boss of a well-known credit-rating firm in the country, and learned about personal information. As for personal credit, it is indeed in a state of constant openness. And we can imagine that the internet finance and O2O Industries will benefit a lot from the rapid development of personal credit.

Let us first put aside personal credit how to affect the Internet finance and O2O This topic, back to the sesame credit itself to see, from the analysis, see if you can a glimpse of Ali do Sesame Credit to convey the message.

What does Sesame Credit have?

We can in the payment treasure purse-wealth-sesame credit points to open Sesame Credit interface.

Product function Architecture diagram

Sesame Credit is based on the credit history of individual users, behavioral preferences, performance, identity and interpersonal relationships for users to score, and these data may be taken from the user in Taobao, cat, Alipay Wallet shopping, return, transfer transactions, such scoring criteria do not necessarily accurately reflect the level of personal credit, But compared to the traditional credit card only to find high net worth users, more can cover most users, and enable more people to enter the credit system, enjoy a certain service or filter out these ultra-low-trust users.

Credit guess--This is the Sesame Credit Guide users actively open Sesame Credit page, is a Super Good guide page, using the user likes to show off and compare psychology, just like we see their score, it is certainly want to know their primary school, high school, college students who are the highest scores, so there is a competition. But because credit is a very personal thing, you set the view right here.

Credit life-Sesame credit is intended to be divided into users with the credit to provide travel, accommodation, finance, shopping and social convenience services. Imagine your credit score of 700 points, and then use your credit score, to find a circle with you, the character of trustworthy women's tickets or male votes, you will not feel that the marriage can be extinct?

In a word, the credit life is coming, and gradually perfecting the system can bring convenience to us.

What does the user of sesame credit look like?

In the latest version of the Alipay wallet, many people's guide page has prompted Sesame Credit, is still a beta version. Only a small number of people are open sesame credit points, I learned from the circle of friends, at present only good credit or even excellent users to get the right to view credit points. Most of their scores are above 600 points, while 600 points are a dividing point for a sesame credit score, enough to allow its users to enjoy quality service.

This group of users believe that the payment of treasure wallet or Taobao in the High-intensity users, or Ali can not get their personal information. Interestingly, buying more does not mean credit is high, just like I have a friend a one-month net purchase more than 2000 yuan, the balance treasure perennial million, and I ascetic balance treasure only thousand yuan, net purchase also but one months 500 yuan, still credit score is higher than him, the only difference is that I invest in the Treasury. The reason is that the credit score is biased? Or is there a difference in the proportion of the 5 scoring dimensions? Let's examine it slowly.

Sesame Credit for internet finance

Eight companies that obtain personal credit licence

January 5, the central mom let the figure eight companies to do personal credit preparation work, 23 days later, Sesame Credit began to test. What can sesame credits offer to internet finance? In fact, the introduction of personal credit after the Peer-to-peer company, or network banking, staging business (staging music or Jingdong IOU) is good, can be based on large data to check out the credibility record greatly reduce the loan or installment repayment of the bad debt rate. Also, companies that have docked personal credit systems have the power to compete against traditional banks, to gain better borrowers, better college students or customers, and to make investors in the upper reaches more confident to invest, thereby expanding the market map of internet finance.

For example, this piece of staging business. As I mentioned above, the credit system is different from the traditional one, and the traditional information of the central bank includes bank credit, court summons, personal water, electricity, gas payment, and tax arrears. and sesame Credit can do more to cover this group without bank credit Records, court summons, such as cock silk crowd, and this group of people have the most shopping needs, so the appearance of personal credit for the phased business to obtain customers have a lot of initiative. If they can work with sesame credits. ）

Sesame Credit for O2O

Sesame credits use sesame life to show a message. That is, it will change people's consumption patterns. Once docking the O2O enterprise of Sesame Credit, may be able to do for a high degree of credit to provide users with better service, people can be based on their own credit to fight for their own personal character of the change, such as travel accommodation free deposit, loan audit time faster, Blind date to find women ticket "at first sight", There is the sharing of the economy, can provide people with a more trustworthy foundation.

The arrival of Sesame Credit, declaring that credit can be the arrival of the era. Perhaps in the near future, we can finally say that the real "good people have a better report"!