In the world of digital payments, every innovation can trigger a carnival of user benefits. Recently, Alipay's new policy has aroused widespread discussion on social networks and major forums. It is reported that this new policy provides an unprecedented benefit for users with a sesame credit score of more than 700, which makes many netizens sigh: "It's so fragrant!" ”
As an independent third-party credit bureau under Ant Financial, Sesame Credit calculates and presents personal credit status through big data, and its scoring system is widely used in leasing, lending, and various deposit-free services. This Alipay enlargement move has undoubtedly pushed the influence of Sesame Credit to a new height. For users with more than 700 points of Sesame Credit, this is not only a simple score threshold, but also an affirmation of their good credit behavior.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. 
Specifically, this benefit covers a variety of aspects, including but not limited to the increase in the amount of financial loans, the acceleration of approval, and more exclusive benefits for members. For example, in terms of loan services, eligible users can enjoy lower borrowing interest rates and higher borrowing amounts; In the field of consumption, partner brands and merchants may provide additional discounts or gifts to these users with high credit scores; In addition, there may be value-added services such as airport VIP lounges and hotel upgrades. These measures undoubtedly increase the stickiness of users, and also encourage users to maintain and improve their credit ratings. From a professional point of view, this move has a significant impact on the construction of the credit system.
It has an important promoting effect. By giving actual benefit incentives to users with high scores, the public can be effectively encouraged to attach importance to the establishment of personal credit and form a positive social credit atmosphere. From the perspective of market economy, this differentiated service provision can stimulate users to make more credit consumption, thereby driving the growth of the overall economy.
However, such welfare policies have also caused some controversy. Some netizens are concerned that this may exacerbate social stratification and make users with low credit scores feel unfair. At the same time, there are concerns that this will motivate some people to improve their Sesame Credit Scores through shady means in order to obtain more benefits. In this regard, Alipay should take effective measures to ensure the authenticity and validity of credit scores and avoid criminals from exploiting system loopholes.
Alipay's new policy this time is undoubtedly a positive taste of the existing credit system.
It not only provides tangible benefits to users, but also helps promote the healthy development of the entire social credit system. Of course, how to balance the interests of different user groups and ensure the fairness and justice of the policy will be the next problem that Alipay needs to think about and solve. In any case, for those consumers who are struggling to maintain their credit, the benefits of "True Fragrance" are already beckoning.