What is the difference between the credit scores of Sesame Credit, Tencent Credit and Xiaomi Credit?

At the beginning of 2065438+2005, 1, the People's Bank of China issued the Notice on Preparing Personal Credit Information, requiring eight institutions including Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., Shenzhen Qianhai Credit Information Center Co., Ltd., Lacarra Credit Information Management Co., Ltd., Pengyuanzheng Credit Information Co., Ltd., China Chengxin Credit Information Co., Ltd., China Zhicheng Credit Information Co., Ltd. and Beijing Huadao Credit Information Co., Ltd. to do personal credit information. The notice stressed that the above-mentioned institutions should be prepared and improved in strict accordance with the Regulations on the Administration of Credit Information Industry and the Measures for the Administration of Credit Information Institutions, so as to meet the requirements of relevant laws and regulations and effectively comply with laws and regulations.

On October 28th, 2065438+200565438+/kloc-0, Sesame Credit Branch was officially launched, which opened a brand-new credit life for users. Sesame Credit is an independent third-party credit reporting agency under Ant Financial. The chips are obviously the e-commerce data accumulated by Taobao Tmall for a long time and the payment data of Alipay, including consumers' consumption records, water, electricity and gas payment, credit card repayment and even financial management including Yu 'ebao.

Through cloud computing, machine learning and other technologies to objectively present personal credit status, Sesame Credit has provided credit services to users and merchants in hundreds of scenarios, such as credit card, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services and public services. In the foreseeable future, Sesame Credit will be a good card in the hands of Ant Financial Services.

Tencent is certainly not to be outdone. Tencent has a large number of social data, including 800 million users of QQ, 400 billion photos in QQ space, and the anti-fraud blacklist database that Tencent has safely accumulated.

2065438+At the end of June, 2005, Shanghai Pudong Development Bank Credit Card Center announced cooperation with Tencent Credit Information, and Shanghai Pudong Development Bank Credit Card Center will access credit information products such as Tencent credit information scoring and anti-fraud. Shanghai Pudong Development Bank became the first commercial bank outside Tencent to access Tencent's credit information.

"Tencent believes that the fundamental purpose of credit reporting is to provide services for risk control of financial institutions. On the one hand, it helps banks to provide anti-fraud services, on the other hand, it provides credit products and services including credit scores and credit reports. At present, Tencent Credit Information has cooperated with the bank card centers of Guangfa Bank and Shanghai Pudong Development Bank.

In order to see Tencent's credit score, svip specially charged.