In the digital age, personal credit scoring systems have become an important part of fintech innovation. Recently, Sesame Credit Management*** announced the update of its sesame points, and at the same time, the related credit products Huabei and Borrowing have also ushered in a further increase in the quota. This change has undoubtedly brought more convenience and opportunities to the majority of users, but it has also triggered some netizens to discuss the fairness and inclusiveness of the credit system.
As an important tool to measure personal credit, the score of Sesame Score is directly related to whether users can enjoy better financial services. After this update, many users have increased their sesame points, and accordingly, their borrowing amount on Huabei and borrowing has also been increased. This is undoubtedly good news for users who are in urgent need of capital turnover, which can not only help them solve short-term financial problems, but also improve their spending power and quality of life to a certain extent.
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 the self-flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient.
However, not everyone will be able to benefit from this update. Some netizens said that although their sesame score reached 600 points, they still could not get credit services from Huabei and Borrow. This phenomenon has aroused people's attention to whether the credit scoring system has problems such as too high thresholds and insufficient inclusiveness.
We should analyze this phenomenon from multiple angles. First, credit scoring systems need to be designed and operated with risk management and cost control in mind. This means that even users with high scores may not be able to access services if they do not meet the requirements of the credit product on other key metrics. Secondly, the construction and improvement of the credit system is a dynamic process, with the advancement of technology and the accumulation of data, the scoring model will be continuously optimized to more accurately reflect the credit status of individuals. Finally, the user's credit behavior and repayment history are also important factors that affect the availability of credit services.
In this context, we can see that the comments of netizens show a diverse attitude. Some netizens welcomed the update of sesame points, believing that it would help enhance personal credit awareness and promote the healthy development of the financial market. At the same time, there are also those who are disappointed by the lack of access to credit services, and they want the credit scoring system to be fairer and more transparent, so that more people can benefit.
Here are five comments from netizens::
1."The increase in sesame points is great news for me, and now I can enjoy a higher borrowing limit, which will help me a lot with my upcoming travel plans. ”
2."Although I had a sesame score of 600, I didn't have Huabei and borrowing services, which made me question the standard of the credit scoring system. ”
3."Credit is the cornerstone of modern society, and the renewal of Sesame Points has made me pay more attention to my credit history and hope to be able to obtain better financial services in the future. ”
4."I feel that the credit scoring system should focus more on the needs of the average person, rather than serving only a small number of people with a good credit history. ”
5."The development of fintech has brought us a lot of convenience, but we also hope that related services will be more inclusive and everyone will have the opportunity to improve their credit profile. ”
In general, the renewal of sesame points and the increase of Huabei's borrowing quota are of positive significance for promoting the improvement of the personal credit system and the innovation of financial services. At the same time, we should also pay attention to those users who have not benefited from it, and think about how to let the sunshine of credit services shine in every corner through the dual efforts of technology and policy, so that everyone can find their own place in the world of credit.