If you reach 650 Zhima points, you can use Shenzhou Car Rental without deposit. China Car Rental specializes in providing car rental services to users. Normally, such rental services require a certain deposit. However, as long as the user authorizes the query of personal Zhima Credit Score, and the Zhima Credit Score reaches 650 points, then there is no need to pay a deposit when using Shenzhou Car Rental.

Zhima Credit is a third-party credit assessment and credit management institution under Alibaba Group Ant Financial, aiming to build a simple, equal and inclusive business environment. The agency uses leading technologies such as cloud computing and machine learning to objectively present the commercial credit status of individuals and enterprises. It is widely used in many business scenarios such as leasing, shopping, business travel, and local life, allowing merchants to provide more convenient services to more users.

On January 5, 2015, the People's Bank of China issued a notice allowing eight institutions to prepare for personal credit reporting business, which was regarded as a signal that China's personal credit reporting system is expected to open to commercial institutions. , Tencent Credit Information, Sesame Credit, etc. are among them.

Zhima Credit stated that whether it is an institution or another person, to check the Zhima Credit score, it must obtain the authorization of the user. In addition, the credit evaluation is directly presented in the form of a score to protect the individual’s specific information. Credit Information and Privacy.

In order to facilitate users to understand the credit level of friends around them, Zhima Credit has set up a mini game similar to "Credit PK" to compare with friends. If the other party authorizes and agrees, you can also directly check the other party's Sesame score.

During the public beta period, Zhima Credit has negotiated cooperation with partners in many fields such as car rental, house rental, marriage and visa, etc., and will soon provide experimental services. For example, in the future, when a user’s Zhima Credit reaches a certain value, , it is expected that you will no longer need to pay a deposit when renting a car or staying in a hotel, you can try before buying when shopping online, you will not need to provide a deposit certificate when applying for a visa, etc.

In May 2016, Everbright Bank announced a formal cooperation with Zhima Credit, a subsidiary of Ant Financial, to introduce the full product system of Zhima Credit. After obtaining user authorization, it will use Zhima Credit as a basis for online card issuance and risk control. .

Zhima products such as Zhima Credit Score, Information Verification Service (IVS), and Industry Watch List are pre-loan products and have been used in the risk control system of Everbright Credit Card.

Sesame Credit will not collect users’ personal information such as chats, text messages, calls, etc., nor will it collect or track users’ comments on social media. Even with user authorization, only necessary, valid, and various dimensional data related to economic credit evaluation will be collected.

Except where otherwise provided by laws and regulations, the collection, sorting, processing, and output of user information, whether it is Sesame Credit or a third-party cooperative agency, must obtain the user's authorization. Without the user's authorization, neither Zhima Credit nor its partners can access the user's data.

All data are calculated through scientific scoring models without manual contact. The system will also automatically desensitize sensitive data through operation rules.