Sesame credit sub-core module includes the following five aspects:
1, identity characteristics (15%): public security real-name authentication, identity information, information stability, etc.
2. Credit records (35%): credit card repayment records, micro-loan repayment records, water, electricity and coal payment, fines, etc.
3. Performance ability (20%): payment account balance, balance of balance treasure, vehicle production information, real estate information, etc.
4. Personal relationship (5%): relationship circle, credit rating of friends circle, social influence, etc.
5. Behavior preference (25%): account activity, consumption level, payment level, consumption preference, etc.
According to the above comprehensive evaluation, it is divided into five credit grades: above 600 is good, above 650 is excellent, above 700 is excellent, and the upper limit is 950 points! Generally speaking, the sesame score of 600+ is very high, and you can basically enjoy various related welfare benefits, especially various test-free services. If the score exceeds 700, you can travel around the world carefree. If you can pass 800, it is very rare.