Research On Personal Credit Evaluation Of Sesame Credit Company

Credit relationship is one of the most basic relations in the modern market economy.The healthy operation of the mature market economic system is based on the perfect social credit system.Personal credit is the starting point of other credit,in the social credit system at the core position.The perfect personal credit evaluation is an important component of the maturity of a country's social credit system,and plays a fundamental role in the stable operation of the market economy.In this paper,the case analysis method is applied to analyze the effectiveness of Sesame credit personal credit model.Sesame credit is a credit score which is derived from five dimensions:identity,behavior preference,personal relationship,performance and credit history.Mainly from two aspects to prove the effectiveness of sesame points:First,through the central bank and the traditional credit comparison to illustrate the sesame credit can not match the advantages of traditional credit,credit is an effective complement traditional;Tencent credit comparison,the advantages of sesame credit points and its effectiveness.Hoping to prove through the case analysis of sesame points on personal credit assessment is effective for the central bank as soon as possible for personal credit company to provide a license to provide the basis for the licenseSecondly,this paper introduces the basic profile of personal credit information industry and the introduction of Sesame Credit Company.Thirdly,this paper analyzes the personal credit evaluation of Sesame Credit with the traditional central bank's traditional credit evaluation system.Secondly,this paper introduces the personal credit evaluation system,Evaluation methods and Tencent credit to do the comparative analysis,the advantages of sesame credit;Finally,the sesame credit for personal credit evaluation of the effectiveness and shortcomings of the reviews and made relevant reasonable recommendations.