20 16 In May, China Everbright Bank announced that it had formally cooperated with Sesame Credit, a subsidiary of Ant Financial, and introduced the whole product system of Sesame Credit. After obtaining the authorization of users, Sesame Credit will be used for reference as the basis for online card issuance and risk control.
At present, sesame products such as sesame credit score, information verification service (IVS) and industry attention list have been used in the risk control system of Everbright Credit Card as pre-lending products.
Extended data
Composition of sesame credit score:
1. Credit records: past credit account repayment records and credit account history;
2. Behavior preference: preference and stability in shopping, payment, transfer, financial management and other activities;
3. Performance ability: stable economic sources and personal assets;
4. Identity: sufficient and reliable personal basic information left in the process of using related services;
5. Personal relationship: the identity characteristics of friends and the degree of interaction with friends.
Application case of sesame credit score
2065438+On July 24, 2005, the Supreme People's Court and Sesame Credit signed a memorandum of cooperation on credit punishment for those who broke their promises. In the same month, the two sides realized data docking through the special line and shared the information of the untrustworthy executor.
It is the first time that the Supreme People's Court authorized a third-party commercial credit reporting agency to jointly carry out credit punishment. By mid-June, 5438+February, Sesame Credit had restricted the untrustworthy people from buying air tickets, renting cars and loans130,000 times through various application platforms, and more than 5,300 untrustworthy people had paid off their debts, among which 1500 untrustworthy people had evaded the implementation for three or four years.
Baidu encyclopedia-sesame credit score