1. Similarity: Both of them are credit information systems for evaluating personal credit status. Both of them need personal authorization to query personal credit reports, and both of them collect personal basic information and credit records, including loan records, credit card usage, overdue records, etc.
2. Difference: the sponsors are different: bank credit investigation is initiated by banks, while sesame credit investigation and Tencent credit investigation are initiated by payment institutions and Internet companies. The scope of credit information is different: bank credit information mainly covers personal credit records in banks, sesame credit information mainly covers personal credit records in Alipay, and Tencent credit information mainly covers personal credit records in Tencent ecological circles such as WeChat and QQ. Different credit standards: different credit reporting agencies may evaluate a person's credit status according to different standards, so the evaluation results of different credit reporting agencies may be different. Different usage scenarios: different credit reporting agencies may use it in different scenarios. For example, bank credit reporting is mainly used for bank loans and credit card applications, sesame credit reporting is mainly used for Alipay Sesame Credit and Lending Treasure, and Tencent credit reporting is mainly used for micro-loans and Tencent credit cards.