I think many people are using Alipay now. Alipay has a sesame credit and will give sesame points according to the level of credit. Different sesame points have different rights and interests.
So is Sesame Credit on Alipay the same as the central bank's credit information system?
The answer is: the credit system of Sesame Credit is different from that of the central bank.
The company of Sesame Credit is Sesame Credit Management Co., Ltd., and its business scope is: enterprise credit investigation business, etc. In other words, Sesame Credit Management Company is an independent credit evaluation and management organization established according to law, which collects, sorts out, processes and stores users' personal information, and can provide sesame points and credit-related information to third parties within the scope permitted by law or authorized by users.
The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks.
At present, the information sources of credit information system are mainly financial institutions such as commercial banks, including basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.
In other words, there are two major differences between Sesame Credit and Central Bank Credit Information System:
First, it contains differences in information.
The central bank's credit information system mainly includes basic information, loan and guarantee information. Alipay collects more sesame credit information, including your shopping situation, the use of flowers, the use of Alipay payment, and the financial situation on Alipay. A lot of sesame credit information that can affect the credit score may be collected.
Second, the scope of use is different.
Objective that credit information system of the central bank is mainly use by financial institutions, namely bank. For example, if you buy a house and apply for a loan, or apply for a credit card at the bank, your credit information will be inquired.
Alipay's credit data will be applied to a wider range of places. For example, you can rent things free of deposit, credit medical care, rent a car online, ride without charge, stay in a hotel without charge and so on. , you will check your sesame credit and provide corresponding services.
Therefore, Alipay's sesame credit and the central bank's credit data are different, and there is a big difference.
Sesame Credit belongs to the credit information system of Ant Financial, and belongs to the third-party credit information service independent of the central bank, which has great differences in data collection and application scope.
What is the difference between Sesame Credit and People's Bank Credit Information?
Credit information is an important thing in today's society. If we want to borrow money to buy a house and a car, then credit reporting will play a greater role. In addition, Alipay, which is popular in recent years, has also launched Sesame Credit, which has received high attention. So, what's the difference between Sesame Credit and People's Bank Credit? Let's have a look.
I. Status
The People's Bank of China (PBOC) is such a credit system established by the People's Bank of China. It is an official credit system recognized by various financial institutions at present. Sesame Credit belongs to the third-party credit information system, which was launched by Ant Financial, so it has no official attribute, and it is just a way used by some non-governmental organizations to judge users.
Second, the number of people involved.
China People's Bank Credit Information System was officially put into use in 2006. By 20 15, the statistics have already included the credit data of 860 million people. This is a huge amount of data. On the other hand, Sesame Credit, by 20 15, the number of users of Alipay is about 450 million, and using Alipay is Sesame Credit. Therefore, from the data point of view, there is still a big gap between Sesame Credit and the People's Bank of China.
Third, the information level
Generally speaking, the credit information of the People's Bank of China mainly includes four parts of information, namely, personal basic information, public records, credit records and objection records. These are just four major directions, and each direction will also contain many small areas, covering a very wide range. Including family details, the use of credit cards, and even the payment of utilities will be included. In this regard, Sesame Credit is mainly judged from five aspects: historical credit, behavioral preference, performance ability, identity characteristics and personal connections, and with the help of big data and information provided by other cooperative institutions. As for what each specific aspect includes, there is no clear explanation.
Fourth, use scenarios.
In terms of use, the people's bank of China's credit information is mainly aimed at various loans and credit cards. Sesame credit covers a wider range, including consumer finance, renting houses, public services and many other aspects.
Nowadays, society pays more and more attention to credit. No matter what form of credit, we should maintain it well and strive to maintain a good credit report, which will bring great convenience to our future life.
Is Alipay Credit Information the same as Bank Credit Information?
Alipay credit is about sesame credit, and sesame credit is private credit. Bank credit investigation refers to the credit investigation report of the People's Bank of China, which is the official credit investigation. The two credit reports do not use data, so the contents recorded in them are different. Of course, it is not excluded that users have applied for products such as loan treasures and flower buds, so sesame credit is recorded and the credit of the People's Bank of China may also be recorded.
The record of normal repayment is not necessarily recorded in the credit report, and the record of overdue repayment will be transmitted to the PBOC credit report in accordance with relevant regulations.