How to calculate sesame points
In recent years, with the continuous improvement of the credit system, Zhima Credit Score has become one of the important indicators for measuring personal credit status. Many users are curious about the calculation method of sesame points. This article will combine the hot topics and hot content on the Internet in the past 10 days to analyze the calculation method of sesame points in detail, and display relevant factors through structured data.
1. The definition and importance of sesame points
Sesame Points is a personal credit scoring system launched by Sesame Credit, a subsidiary of Ant Financial, ranging from 350 to 950 points. The higher the score, the better the personal credit, and the more credit services you can enjoy, such as deposit-free car rental, hotel accommodation, credit loans, etc.
2. Core calculation dimensions of sesame points
The calculation of sesame points is not determined by a single indicator, but integrates data from multiple dimensions. The following are the main evaluation dimensions of sesame points and their weights:
| Dimensions | weight | Description |
|---|---|---|
| credit history | 35% | Including credit card repayment records, loan performance status, etc. |
| behavioral preferences | 25% | Consumption habits, payment behavior, etc. |
| Performance ability | 20% | Economic strength, income stability, etc. |
| identity traits | 15% | Educational qualifications, occupation, real-name authentication information, etc. |
| personal connections | 5% | social circle credit level |
3. Key behaviors that affect sesame points
According to user feedback and data analysis, the following behaviors have a significant impact on the improvement or decrease of Sesame points:
| behavior type | influence | Example |
|---|---|---|
| positive behavior | extra points | Repay on time, use credit services frequently, and complete personal information |
| negative behavior | Deduct points | Late repayments, frequent changes of mobile phone numbers, lack of credit history |
4. Issues related to sesame points that are hotly debated across the Internet
In the past 10 days, discussions about sesame points have mainly focused on the following aspects:
1.Are sesame points linked to the central bank’s credit report?Currently, Zhima Fen is independent from the central bank’s credit reporting system, but some financial institutions will refer to Zhima Fen for credit extension.
2.How to quickly increase sesame score?Users generally focus on improving their scores by binding credit cards, paying utility bills, and using Huabei.
3.Regional differences in sesame seeds.User feedback from different regions may have differences in Zhima score standards, which is related to the local credit environment.
5. Common misunderstandings about dividing sesame seeds
In response to common misunderstandings among users, we have compiled the following clarifications:
| Misunderstanding | facts |
|---|---|
| The higher the score, the easier it is to get a loan | The sesame score is a reference factor, and other conditions are involved in loan approval. |
| Frequently checking Sesame scores will lower your score. | Self-examination will not affect your score |
| Sesame points are updated regularly every month | Sesame points are dynamically evaluated and the update time is not fixed. |
6. Practical suggestions for improving sesame points
According to the advice of credit experts, the following measures can be taken to improve your Zhima score:
1.Maintain a good repayment record.Whether it’s a credit card or Huabei, repaying your loan on time is crucial.
2.Enrich credit behavior.Use credit services appropriately, such as renting shared items, credit accommodation, etc.
3.Complete personal information.Real-name authentication, binding academic qualifications, occupation and other information can help improve scores.
4.Maintain stability.Avoid frequently changing your mobile phone number, address and other information.
7. Summary
The calculation of sesame points is a complex multi-dimensional evaluation process, involving credit history, behavioral preferences, performance capabilities and other aspects. Users can improve their credit behavior in a targeted manner by understanding these dimensions, thereby increasing their Sesame points. It should be noted that improving sesame points is a long-term process and there is no shortcut.
With the construction of a credit society, Sesame Points will play a role in more scenarios. It is recommended that users pay attention to changes in their Sesame scores regularly, maintain good credit habits, and enjoy the convenience of life brought by credit.
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