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Insights into Sesame Credit & Top 5 Ways to Use a High Sesame Score

These are the top ways in which netizens’ high Sesame Credit scores can be used in daily life.

Manya Koetse

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There’s been much talk about China’s ‘credit score’ recently, with many media conflating the country’s Social Credit System with the commercial Sesame Credit programme. In this article, we will explain the latter: what is Sesame Credit and what can users do with their high score?

Note: for more about the Social Credit System and differences in its media coverage in China and the West, please see this article.

With all the talks about China’s nascent Social Credit system and commercial social credit programmes, it is becoming clear that Chinese netizens are entering a ‘credit lifestyle’ (信用生活).

“All Chinese citizens now have a score,” is an idea that has popped up in many foreign media over the past years, often conflating it with China’s nascent ‘Social Credit System.’ To read more about the Social Credit System see our articles about this here or here. In this article, we will solely focus on Sesame Credit.

On Weibo, the official Sesame Credit account (@芝麻信用), which has over 240,840 followers, often announces new ways for people to profit from their (high) Sesame Credit score.

What’s on Weibo explores and lists five different ways in which a high Sesame Credit score can be used in China today. But first – what actually is Sesame Credit?

 

About Sesame Credit

 

Sesame Credit (Zhīma xìnyòng 芝麻信用) was launched on January 28, 2015, by Alibaba’s Ant Financial, after it had received permission by the PBOC (People’s Bank of China) to be one of the eight Chinese companies to experiment with personal credit reporting.

According to the Sesame Credit company, its major goal is to make credit more widely available to consumers and small business owners, and to “enable credit providers to make holistic and accurate decisions,” while also “empowering merchants to provide more credit-related services.”

Image via http://www.twoeggz.com.

Because Sesame Credit is part of Jack Ma’s Alibaba Group family (Ant Financial is an affiliate of the Chinese Alibaba Group), Sesame Credit has an enormous amount of data at its disposal, from e-commerce sites to finance products. China’s biggest shopping websites Taobao and Tmall belong to Alibaba’s vast online ecosystem, as does payment app Alipay.

It is not mandatory for users to opt into Sesame Credit. Some have compared the system to a loyalty program, although it is a bit more than that. Since 2015, for example, Sesame Credit also cooperates with the popular online dating service company Baihe.com (百合网), so that people can link their dating profile to their credit score. Sesame Credit already had 520 million users as of 2017.

Since its launch, various foreign media have written about Sesame Credit as an ‘Orwellian system.’ Among others, one of the reasons for this, is that Sesame Credit incorporates a publicly available ‘blacklist’ into its scoring process. The ‘blacklist’ is a Chinese courts’ list with the names of people that have an effective court justice against them; inclusion on this list can make users’ existing Sesame Credit drop dramatically, which would make people miss out on all perks of having a high Sesame Score.

Earlier in 2018, Alibaba, along with the seven other private credit programmes that were allowed to run their trial in 2015, become shareholders and active contributors to a new unified platform that has access to an enormous number of personal credit data. At the so-called ‘trust alliance’ (信联) Baihang Credit (百行征信), state level and commercial organizations join forces in further developing China’s credit systems.

 

About the Score

 

Within the Sesame Credit programme, the lowest score one can get is 350. The highest is 950. This score is based on users’ behavior across various platforms. A score of 550 to 600 is an intermediate/normal score. 600-650 is considered a ‘good’ score. Those in the 700-950 range are exceptionally high in score.

For those who first opt-in to Sesame Credit, and who have not had any violations, 600 is usually the score to receive.

Sesame Credit example scores explained, from 385 being in the low range to 731 being in the ‘good’ range.

Some of the important elements the score is allegedly based on, are –

• (35%) general credit history: past payment history and indebtedness – if persons still have enough credit on their credit card when purchasing items, if they pay their gas & electricity on time [often done through Alipay in China], pay violations tickets on time, etc.
• (25%) general financial status/fulfillment capacity: the available amount on users’ Alipay account, if they are renting a car/house etc. and are able to pay for it, status of Huabei (a credit card function within the Alipay wallet), etc.
• (20%) online behavior and preference: the extent to which an account is actively used, how many purchases are done, etc.
• (15%) people’s personal characteristics: educational background, address, real-name registrations, etc.
• (5%) contact network and interpersonal relationships: how many online contacts one has, ones’s influential power in contact list, interactions between user and friends, etc.

For those who opt in to Sesame Credit and have a high score, there are many different ways to benefit from it, as listed below.

 

The Top Ways to Benefit from Sesame Credit

 

Please note that there are more ways to benefit from a high Sesame Credit score, but we have listed five popular ones below.

 

#1 ‘Credit Treatment’ at Hospitals

 

In November of 2017, Sesame Credit first launched its “Credit Medical Treatment” (信用就医) services for people with a score over 650, with Shanghai’s Huashan hospital being the country’s first hospital to implement the function.

With “Credit Medical Treatment,” patients could save up to 60% of waiting time at hospitals by cutting lines and not needing to pay for treatments upfront. Payments are done through Sesame Credit’s in-app credit function Huabei (花呗).

While a normal procedure at Chinese hospitals can be time-consuming, the Sesame Credit procedure is much more efficient, mainly because people do not need to line up to pre-pay for their medical check-up and the medications.

Normal procedure:

(±20 min) 1. Arrive and register at the hospital and pay for it
(±60 min) 2. Waiting time to see a doctor
(±10 min) 3. Doctor’s appointment/consultation
(±20 min) 4. Line up for payment [of examination]
(±20 min) 5. Check-up/Examination
(±20 min) 6. Queue up for payment
(±10 min) 7. Pick up medicine

Image via xinhuanet.

The procedure with Sesame Credit:

(±3 min) 1. Register at hospital and payment by phone.
(±10 min) 2. Automatically get a number to see the doctor.
(±10 min) 3. Doctor’s consultation.
Payment [for examination]
(±20 min) 4. Examination.
Payment [for medicine]
(±10 min) 5. Pick up medicine

There are also other ways in which people with a good Sesame Credit score can enjoy extra services and benefits at hospitals. Those with a score over 600, for example, can rent a wheelchair in hospitals without deposit.

 

#2 Try First, Pay Later

 

Since September 2018, Sesame Credit offers the possibility to “try out” purchases from Tmall for consumers who have a Credit Score of over 700, promoting the idea of “never regretting a purchase.”

With this concept, people can order clothes or other items from e-commerce platform Tmall (天猫 Tiānmāo in Chinese) without any risk, having the guarantee to always being able to send back items that are unsatisfactory without paying for them.

There are also frequent promotions done by brands and companies in collaboration with Sesame Credit, such as offering people with a high credit score (over 750) to try out the newest Ford for three days, or to use the latest Meitu phone for 30 days for free, without necessarily needing to buy it afterward.

Meitu promotion for Sesame Credit users with a score over 750.

Sesame Credit also makes it more tempting for its users to spend money on (Alibaba) platforms in other ways. The higher one’s credit is, the more one is able to lend from online lending service Huabei; those with a credit higher than 750 can lend up to 20,000 RMB (±$2890). Unsurprisingly, the literal translation of Alipay’s ‘online credit card’ service Huabei (花呗) is “Just Spend.”

 

#3 No Deposit on Shared Bikes (and other things)

 

Sesame Credit has a partnership with bike sharing platforms Hello Bike (哈罗单车) and Ofo, allowing users with a credit over 650 points to rent these bicycles, that can be found anywhere in bigger cities in China, without paying a deposit.

It is not the only service that does not require a deposit for those with a high Credit score; using a shared umbrella, or a publicly available shared phone charger, or even renting apartments, often no longer needs a deposit for those with a higher score.

 

#4 Open Access to Libraries

 

In many places in China, people who have a Sesame Credit score over 550 no longer need to pay a downpayment and can set up a library card for free, in other places people with a higher Sesame score no longer need a library card at all to borrow books at their local libraries and/or their automated self-service street libraries (just their ID).

Since April of 2018, this special service for Sesame Credit users (not needing a card) was introduced in the entire Zhejiang province. Public libraries in other places, such as Shanghai, have already been experimenting with Sesame Credit perks for library lovers since 2015.

 

#5 Special Lounges at Train Stations

 

Especially during peak seasons such as the National Day holidays or Spring Festival, China’s train stations can get exceptionally busy. For Sesame Credit members with a score over 650, there are now special lounges to relax.

Sina notes that the lounge is only available to those members who have also bought a higher fair ticket (first class), or who have a platinum status.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2018 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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Manya Koetse is the editor-in-chief of www.whatsonweibo.com. She is a writer and consultant (Sinologist, MPhil) on social trends in China, with a focus on social media and digital developments, popular culture, and gender issues. Contact at manya@whatsonweibo.com, or follow on Twitter.

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China Digital

Summer Censorship: Weibo Launches “Project Sky Blue”

No hot summer on Weibo: the social media network announces extra censorship on ‘vulgar content.’

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Earlier this week, the administration of Sina Weibo announced a special summer holiday crackdown on “vulgar content,” including “pornographic novels, erotic anime, pictures or videos.”

In a public announcement that was posted on July 4th, the Weibo administration writes that the primary goal of this campaign is to “create a healthier, more positive environment for underage users” during the summer break period.

The censorship plan is titled “Project Deep Blue” (or: “Project Sky Blue”) (蔚蓝计划), and will use filter systems, human moderators and user reports to censor more content for the upcoming two months.

The project even has its own Weibo account now, where Weibo users can ask questions, report inappropriate content, and get more information on the campaign.

Weibo states it will further expand its team of online content supervisors, and also explicitly encourages netizens to flag ‘inappropriate’ content to make the online community ‘more wholesome.’

The hashtag #ProjectDeepBlue (#蔚蓝计划#) topped the hot search lists on Weibo this week; not necessarily because of the topic’s popularity, but because it was placed there by the social media site’s administration. At time of writing, the hashtag page has attracted more than 180 million views.

Online responses to the summer censorship program are mixed: many commenters voice their support for the latest measure, while others express frustration.

One Weibo user from Hubei calls the latest measure “hypocritical,” arguing that minors surf Weibo just as much during school time as during the summer holiday – suggesting that launching a special censorship program for the summer vacation does not make sense at all.

But many popular comments are in favor of the project, saying: “I support Project Deep Blue, the internet needs to be cleaned up,” and: “China’s young people need to be protected.”

This is not the first time Weibo launches a special intensified censorship program. Throughout the years, it has repeatedly carried out ‘anti-pornography‘ campaigns in cooperation with Chinese cyberspace authorities.

Often, the crusade against ‘vulgar’ content also ends up being used for the purpose of censoring political content rather than to actually eradicate ‘obscenities’ (read more).

By now, it seems that many Weibo users are quite actively using the Project Deep Blue tag to report on other users who are posting violent or vulgar content.

“If you’re not careful, you’re hit with vulgar and obscene content the moment you’re on the internet,” well-known mom blogger Humapanpan (@虎妈潘潘) writes: “Now that the summer holiday is coming, I hope we can join the Project Deep Blue, and clean up the internet environment.  Actively report obscene content the moment you see it – let’s protect our future together.”

By Skylar Xu & Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us. Please note that your comment below will need to be manually approved if you’re a first-time poster here.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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China Celebs

Faking Street Photography: Why Staged “Street Snaps” Are All the Rage in China

Staged street photography is the latest “15 minutes of fame” trend on Chinese social media.

Manya Koetse

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It looks as if they are spontaneously photographed or filmed by one of China’s many street photographers, but it is actually staged. Chinese online influencers – or the companies behind them – are using street photography as part of their social media strategy. And then there are those who are mocking them.

Recently a new trend has popped up on Chinese social media: people posting short videos on their accounts that create the impression that they are being spotted by street fashion photographers. Some look at the camera in a shy way, others turn away, then there are those who smile and cheekily stick out their tongue at the camera.

Although it may appear to be all spontaneous, these people – mostly women – are actually not randomly being caught on camera by one of China’s many street fashion photographers in trendy neighborhoods. They have organized this ‘fashion shoot’ themselves, often showing off their funny poses and special moves, from backward flips to splits, to attract more attention (see example in video embedded below).

In doing so, these self-made models are gaining more fans on their Weibo, Douyin, Xiaohongshu, or WeChat accounts, and are turning their social media apps into their very own stage.

 

Street Photography in Sanlitun

 

The real street photography trend has been ongoing in China for years, near trendy areas such as Hangzhou’s Yintai shopping mall, or Chengdu’s Taikoo Li.

One place that is especially known for its many street photographers is Beijing’s see-and-be-seen Sanlitun area, where photographers have since long been gathering around the Apple or Uniqlo stores with their big lens cameras to capture people walking by and their trendy fashion.

A few years ago, Thatsmag featured an article discussing this phenomenon, asking: “Who are these guys and what are they doing with their photos?”

Author Dominique Wong found that many of these people are older men, amateur photographers, who are simply snapping photos of attractive, fashionable, and unique-looking people as their hobby.

But there are also those who are working for street fashion blogs or style magazines such as P1, and are actually making money with their street snaps capturing China’s latest fashion trends.

Image by 新浪博客

People featured in these street snaps can sometimes go viral and become internet celebrities (网红). One of China’s most famous examples of a street photographed internet celebrity is “Brother Sharp.”

‘Brother Sharp’ became an online hit in 2009 (image via Chinasmack).

It’s been ten years since “Brother Sharp” (犀利哥), a homeless man from Ningbo, became an online hit in China for his fashionable and handsome appearance, after his street snap went trending on the Chinese internet.

 

Staged Street Scenes

 

But what if nobody’s snapping your pics and you want to go viral with your “Oh, I am being spotted by street fashion photographers” video? By setting up their own “street snap” shoots, online influencers take matters into their own hands.

It is not just individuals who are setting up these shoots; there are also companies and brands that do so in order to make their (fashion) products more famous. According to People’s Daily, in Hangzhou alone, there are over 200 photographers for such “street snaps” and hundreds of thousands of models for such “performances.”

The photographers can, supposedly, earn about 20,000 to 30,000 yuan ($2,890-$4,335) per day and the models are well paid.

In this way, the “street snap performance” phenomenon is somewhat similar to another trend that especially became apparent in China around 2015-2016, namely that of ‘bystander videos’ capturing a public scene. Although these videos seem to be real, there are actually staged.

One such example happened in 2017 when a video went viral of a young woman being scolded on a Beijing subway for wearing a revealing cosplay outfit.

The story attracted much attention on social media at the time, with many netizens siding with the young woman and praising her for responding coolly although the woman was attacking her. Later, the whole scene turned out to be staged with the purpose of generating more attention for the ad of a “cool” food delivery platform behind the older lady.

In 2015, photos of a ‘romantic proposal’ made its rounds on social media when a young man asked his pregnant girlfriend to marry him using over 50 packs of diapers in the shape of a giant heart. One bag of diapers carried a diamond ring inside. It was later said the scene was sponsored by Libero Diapers.

 

Wanghong Economy

 

Both the latest street snap trend and the staged video trend are all part of China’s so-called “Wanghong economy.” Wǎnghóng (网红) is the Chinese term for internet celebrities, KOL (Key Opinion Leader) or ‘influencer.’ Influencer marketing is hot and booming in China: in 2018, the industry was estimated to be worth some $17.16 billion.

Being a wanghong is lucrative business: the more views, clicks, and fans one has, the more profit they can make through e-commerce and online advertising.

Using Chinese KOLs to boost brands can be an attractive option for advertisers, since their social media accounts have a huge fanbase. Prices vary on the amount of fans the ‘influencer’ has. In 2015, for example, the Chinese stylist Xiao P already charged RMB 76,000 ($11,060) for a one-time product mention on his Weibo account (36 million fans).

According to the “KOL budget Calculator” by marketing platform PARKLU, a single sponsored post on the Weibo account of a famous influencer will cost around RMB 60,000 ($8730).

The current staged street snap hype is interesting for various online media businesses in multiple ways. On short video app Douyin, for example, the hugely popular street snap videos come with a link that allows app users to purchase the exact same outfits as the girls in the videos.

Perhaps unsurprisingly, an online survey by Tencent found that 54% of college-age respondents had the ambition to become an “online celebrity.”

 

Making Non-Fashion Fashion: The Farm Field as a Catwalk

 

Although becoming an actual online celebrity used to be a far-fetched dream for many Chinese netizens, the latest staged-street-snap trend creates the possibility for people to experience their “15 minutes of fame” online.

Just as in previous online trends such as the Flaunt Your Wealth Challenge or A4 Waist Challenge, you see that many people soon participate in them, and that they are then followed by an “anti-movement” of people making fun of the trend or using it to promote a different social point-of-view.

The 2018 “Flaunt Your Wealth” challenge, for example, in which Chinese influencers shared pictures of themselves falling out of their cars with their expensive possessions all around them, was followed by an Anti-Flaunt Your Wealth movement, in which ordinary people mocked the challenge by showing themselves on the floor with their diplomas, military credentials, painting tools, or study books around them.

In case of the (staged) “Fashion Street Photography” movement, that now has over 103 million views on Weibo (#全国时尚街拍大赏# and #街拍艺术行为大赏#), you can also see that many people have started to mock it.

“I find [this trend] so embarrassing that I want to toss my phone away, yet I can’t help but watch it,” one Weibo user (@十一点半关手机) writes, with others agreeing, saying: “This is all so awkward, it just makes my skin crawl.”

The anti-trend answer to the staged street shoot hype now is that people are also pretending to be doing such a street snap, but ridiculing it by making over-the-top movements, doing it in ‘uncool’ places, wearing basic clothing, or setting up a funny situation (see embedded tweet below).

Some of these short videos show ‘models’ walking in a rural area, pretending to be photographed by a ‘street fashion photographer’ – it’s an anti-trend that’s become a trend in itself (see videos in embedded tweets below).

Although this ‘anti-trend’ is meant in a mocking way, it is sometimes also a form of self-expression for young people for whom the Sanlitun-wannabe-models life is an extravagant and sometimes unattainable one.

They don’t need trendy streets and Chanel bags to pretend to be models: even the farm field can be their catwalk.

In the end, the anti-trend “models” on Chinese social media are arguably much cooler than the influencers pretending to be photographed. Not only do they convey a sense of authenticity, they also have something else that matters the most in order to be truly cool and attractive: a sense of humor.

Also read: From Mountains of Taishan to Faces of Amsterdam – Interview with Street Photographer Jimmy on the Run

Also read: Beijing Close-Up: Photographer Tom Selmon Crosses the Borders of Gender in China

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us. Please note that your comment below will need to be manually approved if you’re a first-time poster here.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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