Sesame Credit, an independent third-party credit reporting agency under Ant Financial, objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services to users and merchants in hundreds of scenarios, including credit card, consumer finance, financial leasing, hotels, renting houses, travel, marriage, classified information, student service, and public service.

Background

On January 5, 215, the People's Bank of China issued a notice to allow eight institutions to make preparations for personal credit reporting, which was regarded as a signal that China's personal credit reporting system is expected to open to commercial institutions, among which Tencent Credit Reporting and Sesame Credit were among them.

Expanding information

The function of sesame credit score:

1. Sesame score is above 5:

Open Alipay's "online merchant Jinbao" and enjoy higher quota and lower interest rate.

2. Sesame scores more than 6:

1. Free deposit for * * * bicycles:

Among the bicycle brands currently cooperating with Alipay:

ofo Xiaohuang bicycles: free deposit for more than 65 points (Shanghai and Hangzhou).

Yong 'an Bank: 6 points or more are free of deposit (in several cities).

small blue bicycle: 7 points or more is free of deposit (in some cities).

Youbai Bike: the deposit will be reduced if the score is above 65 (in some cities).

cycling: 75 or more is free of deposit (in some cities).

2. Opening ant flower buds:

Opening Alipay's "flower buds", with consumption in the current month and repayment in the next month.

3. Opening Ant Borrowing Bank:

To open Alipay's Borrowing Bank, the maximum amount you can apply for is 3, yuan, and the loan interest rate is between .3% and .5% per day according to your personal qualifications.

4. Opening an online merchant bank:

Opening an online merchant bank under Alipay can apply for a small loan with a maximum amount of 2, yuan.

5. Open credit rental:

Open a "credit rental" under Alipay, or a "piggy short rent" that cooperates with Alipay. With a sesame credit score of 6 or more, you can rent it without a deposit.

Third, the sesame score is more than 65:

You can book short-term self-driving cars with a deposit of less than 5, yuan nationwide without paying the deposit or pre-authorization.

Baidu encyclopedia-sesame credit score