How do Sesame Credit scores come about? Uncovering the logic behind credit scores
In recent years, with the popularity of mobile payments and the improvement of the credit system, Zhima Credit has become an indispensable part of many people's lives. Whether it is renting a house, renting a car, deposit-free services, loans, or financial management, Sesame Credit Score plays an important role. So, where do Sesame Credit scores come from? What is it rated on? This article will explain it to you in detail.
1. Source of Sesame Credit Score
Zhima Credit Score is a personal credit scoring system launched by Zhima Credit, a subsidiary of Ant Group. It is based on users’ behavioral data on Alipay and other cooperative platforms, and is calculated through big data analysis and artificial intelligence technology. The score ranges from 350 to 950, with higher scores indicating better credit.
2. Five scoring dimensions of Zhima Credit Score
The calculation of Zhima Credit Score is not determined by a single factor, but combines five dimensions of data:
| Dimensions | Specific content |
|---|---|
| identity traits | Basic personal information, occupation, education, stability, etc. |
| Performance ability | Income level, asset status, liabilities, etc. |
| credit history | Past loan records, credit card repayments, utility and gas payment records, etc. |
| personal connections | Credit situation in social networks, the impact of friends’ credit scores |
| behavioral preferences | Consumption habits, charity behaviors, frequency of use of credit services, etc. |
3. How to improve Sesame Credit score?
If your Sesame Credit score is low, you can gradually improve it through the following methods:
| method | Specific operations |
|---|---|
| Complete personal information | Bind bank card, academic qualification certification, fill in professional information, etc. |
| Repay on time | Pay off credit cards, Huabei, Borrowers, etc. on time |
| Use more credit services | Use services such as deposit-free car rental and shared power bank |
| Maintain stable consumption | Avoid frequently changing mobile phone numbers, addresses, etc. |
| Participate in charity activities | Donate, plant trees and other behaviors through Alipay |
4. Application scenarios of Zhima Credit Score
Sesame Credit has penetrated into every aspect of life. The following are some typical application scenarios:
| scene | Specific use |
|---|---|
| Deposit-free service | No deposit required for shared bicycles, hotel reservations, and room rentals |
| financial lending | Huabei and Jiebei quotas increased, bank loan approval reference |
| credit visa | Visas for some countries can be simplified with Sesame Credit points |
| social matching | Marriage and dating platforms and social software may refer to credit scores |
5. The relationship between recent hot topics and Sesame Credit scores
In the past 10 days, the following hot topics have been closely related to Sesame Credit:
| hot topics | Link to Sesame Credit Score |
|---|---|
| "Sharing economy credit-free" | Shared power banks and shared bicycles are promoted without deposits in many places, and credit scores are the key |
| “Huabei is included in the credit reporting system” | Overdue Huabei may affect your Zhima credit score, which in turn may affect your personal credit report. |
| “Digital RMB Pilot” | In the future, it may be combined with Sesame Credit points to expand credit payment scenarios |
| “Deposit-free rental becomes a trend” | Tenants with high credit scores can enjoy deposit exemption policies |
6. Summary
Sesame Credit Score is an important indicator of personal credit evaluation, and its calculation logic involves multiple dimensions of data. By using credit services rationally, maintaining good repayment records, and improving personal information, you can effectively improve your credit score. In the future, with the further improvement of the credit system, the application scenarios of Zhima Credit will be further expanded and become an important cornerstone of digital life.
If you want to improve your Sesame Credit Score, you might as well start developing good credit habits today!
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