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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.

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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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In China’s “Kua Kua” Chat Groups, People Pay to Be Praised [Updated]

Money can’t buy you love, but in these ‘kua kua’ groups, they can buy you praise.

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Social media is often called a battlefield, but in these Chinese WeChat ‘Kua kua’ groups (夸夸群), people will praise you no matter what you do or say.

A new phenomenon has become a hot topic on Chinese social media these days. ‘Kua kua’ groups (夸夸群) are chat groups where people share some things about themselves – even if they are negative things – and where other people will always tell them how great they are, no matter what.

Kua kua groups (夸 ‘kuā‘ literally means ‘praise’) have become all the rage in China. People seem to love them for the mere fact that it makes them feel good about themselves.

The format is clear. Person A tells about something that is on their minds, and asks people for positive feedback. Person B, C, and D will then come forward and tell them how good or pretty they are, sometimes based on their profile photo.

One could say: “Hi everyone, I’ve just turned down a job offer, but now my future is full of uncertainty, please compliment me.” Then people in the chat group will respond and say things such as: “You look like the type of person who knows exactly what they want.”

The Kua kua praise group phenomenon allegedly began within the online community of Xi’an Jiaotong University – although some claim it was Shanghai’s Fudan University – when one person asked others in a chat group to compliment them. The idea started to compliment and praise others, and so a trend was born; first, in university (BBS) chat groups, and now on WeChat and beyond the realm of universities.

The phenomenon has been around for at least six years, but only recently started gaining widespread attention on Chinese social media. According to China’s Toutiao News, virtually every college now has its own ‘praise group.’

But the praise does not always come for free. Although many (college-based) chat groups are free to join, people who want to be complimented and are not yet a member of an existing group can join Kua kua groups when they pay for it. On Chinese e-commerce platform Taobao, there are various online shops that sell a ‘Praise group’ membership starting from 50 yuan ($7,5) per person, going up to 188 yuan ($28).

The time of praise is limited to five minutes unless you pay more. The quality of the compliments you’ll be getting also depends on how much you pay. Some groups allegedly consist of “students of great talent,” and the number of people complimenting one person could reach up to 500 people.

The contents of the praise could literally be anything. A simple “I want to be praised” comment could get a variety of reactions from “your hat looks nice” to “the fact that you’re so honest and straightforward about what you want is something that is hard to come across in this day and age,” to “you used a period mark [at the end of your sentence], you must be someone who is very persistent in reaching your goals.”

The fact that the “Kua kua” phenomenon is such a success in China might relate to its culture, where humility and modesty are considered ideal in day-to-day communications. When given a compliment, it is common in China to deny it or to suggest that the person giving the compliment is much better than they are (also see Cheng 2003, 30).

These chat groups, however, break away from the dominant cultural interactions: people don’t have to be polite in responding to the compliments and can wallow in the praise they paid for.

Although not as big as the “Kua Kua” group phenomenon, these kinds of groups also exist in the English-language social media sphere. On Reddit’s “Toast Me” page, for example, there are some 92,000 subscribers participating in asking and giving positive feedback to others, albeit unpaid.

The people giving compliments in the Chinese Kua kua groups are random people, some students, some staff of Taobao stores, who get hongbao, red envelopes with digital money gifts, for contributing to the group. According to some reports, some ‘customers’ end up staying the group and become a part of the team themselves.

We will follow up on this later: we booked a ‘five-minute praise session’ ourselves, but are still awaiting admission to the group…

 

Update: Our Kua Kua Experience

 

So what is the Kua kua experience like? We decided to try out for ourselves and purchased a 5-minute praise session through Taobao for 50 yuan ($7,5) from a seller that had a good rating.

After the purchase is completed, the seller will contact you with details asking for your WeChat ID. After adding, they will ask you what your ‘problem’ or issue is, and you will be put in a virtual queue until your turn comes up to be praised.

You’ll then be added to a WeChat group that has your name in the headline (ours was something like “Manya you can do it”) and that has around 200 participants.

The message posted by us was:

Hello, I’m Manya (Dutch). I’ve been studying Chinese for more than ten years. In fact, I’m afraid to say it may even be more than 13 years, but I still often don’t understand what Beijing taxi drivers are saying. Even studying every day won’t help. I’ve been learning for so many years, yet I often still don’t understand what the old people in Beijing are saying. It’s a bit embarrassing. I think my Chinese is still not good enough. I can’t understand the ‘crosstalk’ [comedy sketches] during the Spring Festival Gala at all. It makes me feel a little dispirited.

Within a matter of seconds, the screen then just fills up with positive feedback and emoji. There are dozens of comments, and they almost go too fast to read them all.

Some of the responses:

You’re great, and even I don’t understand Beijing taxi drivers.

Stay confident in yourself!

You’re so cool.”

You can type so many Chinese characters, who’d say your Chinese is not good enough?!

Manya, you’re so fantastic.”

None of us understand what old people in Beijing are saying.

Chinese is just not easy to study, the fact that you’ve been doing it for so long already shows how great you are.”

It’s incredible that you’ve already come this far.”

A woman who is so motivated about studying really moves me, you’re my role model, you make me want to study more English.”

During the praise session, the group leader will occasionally post a hongbao [envelope with money] for the participants to receive in return for their compliments.

After five minutes, the session ends, and the people will send out some last words of encouragement. The group leader will personally thank you for being part of the group, and later, you’ll be removed from the group as the people will move on to the next person who is waiting in line to be praised.

How does it feel to be praised by some 200 people, receiving hundreds of compliments? It’s overwhelming, and even though you know it’s all just an online mechanism, and that it doesn’t matter who you are or what you say, it still makes you glow a little bit inside.

Although some experts quoted by Chinese state media warn people not to rely on these praise groups too much, there does not seem to be much harm in allowing yourself to be complimented for some minutes from time to time.

Other people reviewing the same Kua kua group apparently feel the same: “I’m super satisfied, the result is amazing.”

By Manya Koetse  and Miranda Barnes

Featured image via hexun.com.

References

Cheng, Winnie. 2003. Intercultural Communication. Amsterdam, John Benjamins Publishing.

Spotted a mistake or want to add something? Please email us.

©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 Youth Federation: Ban Minors from Live Streaming Platforms

If implemented, this would mean a big blow to China’s live streaming market.

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More than 45% of Chinese live stream users are minors. A new proposal by the China Youth Federation wants to ban those under the age of 18 from broadcasting in China’s booming live streaming environment.

Chinese minors will no longer be able to do live streaming if it is up to the All-China Youth Federation (ACYF, 中国青联). The China Youth Federation submitted the proposal during the Two Sessions (Lianghui), China’s largest annual legislative meetings.

The China Youth Federation is an organization to represent China’s youth groups founded in 1949, that has the Communist Youth League of China as its core.

China’s live streaming market is booming. Sina News reports that some 425 million netizens used live streaming platforms in 2018. According to the Online Information Center of the Communist Youth League, Chinese minors are particularly active live streamers: 6.4% of live stream users are primary school students, 18.3% of them are junior high school students and 20.3% are senior high schoolers.

There are dozens of live streaming platforms in China, with this list of apps, including the short video & live stream platforms Douyin and Kuaishou, being among the most popular ones. If the law would be implemented, China’s thriving live streaming market would certainly suffer a big blow.

Earlier this week, Sixth Tone already reported that “protecting minors online” would be among one of the important themes discussed by tech leaders at the Two Sessions.

On Saturday, March 9, the hashtag “Proposal to Ban Minors from Engaging in Livestreaming” (#建议禁止未成年人担任网络主播#) [basically meaning “prohibiting minors from being online hosts”] became top trending on Weibo, attracting more than 180 million views. Various Chinese state media sources state that the live streaming industry is in “a state of chaos” and needs stricter control to protect minors, who could easily come into contact with “vulgar” and “inappropriate” content through live streaming platforms.

The ban could be realized by implementing stricter controls on the registration process of China’s various live-streaming networks. This could suggest that the measures would go beyond minors just being banned from live streaming themselves.

“I support this proposal, live streaming platforms are not appropriate for minors,” a popular comment said, with many Weibo users agreeing: “Young people should focus on their schoolwork instead.”

But not everyone agrees with stricter controls on China’s online platforms. One commenter wrote: “Officials can have multiple wives, rich people have multiple women, yet if common people watch live streams where some vulgar language or sensitive content occasionally pops up, then it’s not allowed.”

“What should be banned is vulgar content, not minor users,” others write.

Earlier this week, Beijing News reported that Yan Xiaohong (阎晓宏), director of the Chinese Copyright Association, also submitted a proposal relating to minors using the internet. Yan’s proposal goes much further than that of the ACYF: he suggests that special online platforms should be developed for minors, and argues that it is not good for China’s youth to be able to access the same online content as adults.

By Manya Koetse 

Spotted a mistake or want to add something? Please email us.

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

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What’s on Weibo provides social, cultural & historical insights into an ever-changing China. What’s on Weibo sheds light on China’s digital media landscape and brings the story behind the hashtag. This independent news site is managed by sinologist Manya Koetse. Contact info@whatsonweibo.com. ©2014-2018

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