Sesame credit and blockchain
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bitcoin is a kind of network virtual currency, which can buy real-life goods
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it is characterized by decentralization, anonymity, and can only be used in the digital world. It does not belong to any country or financial institution, and is not subject to geographical restrictions. It can be exchanged anywhere in the world. Therefore, it is used as a money laundering tool by some criminals
bitcoin's perpetual contract takes the bitcoin price as the trading index, so how to ensure the price difference between the contract price and the spot price is consistent? Since futures contracts have delivery dates, the closer to the delivery date, the futures prices in the market will naturally move closer to the spot prices, and ultimately remain the same. But the perpetual contract is a special kind of futures contract. Different from the traditional futures contract, the perpetual contract has no expiration date or settlement date, so does the price of the perpetual contract have no restriction and go as you want
at this time, a kind of thing called "capital cost" will appear. It can be used to anchor the spot price. When the perpetual contract price deviates from the spot price at a certain time, the capital cost will force the deviation back to a reasonable level. Some curious netizens asked:
how does the capital cost bring back the price difference
before answering this question, let's explain the concept of coinex capital cost
the fund fee is not the fee charged by the exchange, but is paid between the long and short positions, which makes the transaction price close to the spot index price. The positive and negative of the fund rate determines which party needs to pay. In short, coinex does not charge any capital fees, which are transferred from user to user
when the capital rate is positive, the multi-party users (that is, the buyer of the contract) pay the capital cost to the air party users (the seller of the contract); If the fund rate is negative, the empty user pays the multi-party user. When the capital rate is 0, both sides do not need to pay the capital fee
in a word, when the contract is over premium, the capital rate is positive, and the buyer needs to pay the seller. The coinex mechanism will also narrow the price gap between the contract market and the spot market, so as to return the price to the normal level. It can also limit malicious manipulation of the contract price. Without a roller coaster like price difference, there would be no harm
for a more intuitive understanding, let's take the bitcoin perpetual contract as an example: it is reasonable to assume that the price difference between the bitcoin perpetual contract price and the spot price is between - 20 and 20 points. At this time, as the buyer of the contract, Zhang San maliciously pulls up the price of the perpetual contract, so that the price difference expands to 100 points. At 24 o'clock on the same day, the actual price difference is too outrageous. At this time, Zhang San has to compensate the investors who hold the empty order (that is, the seller of the contract), and the system will dect it from Zhang San's realized income. So in a perpetual contract, the higher the price, the greater the price difference, and the greater the compensation to the air side
what is the value of capital rate
coinex has three charging times, namely (HKT) 08:00, 16:00 and 24:00. In short, users only need to pay or charge capital fees when they hold positions at 8:00, 16:00 and 24:00 every day. If the position is closed before the fee is collected, there is no need to pay the fund fee ~
as for the current fund rate of each settlement, it is the fund rate calculated one minute before the last settlement time
the calculation formula is as follows:
fund rate = clamp (MA (((depth weighted purchase price + depth weighted selling price) / 2-spot index price / spot index price interest), a, b)
PS:
* ma represents the moving average, and coinex's fund rate will take the depth weighted bid ask price and spot index price in a certain period before each calculation to participate in the calculation
* interest is currently 0
* btcusd, bchusd, ethussd, ltcusd, bsvusd, xrpusd, eosussd perpetual contracts: a = - 0.1%, B = 0.1%
* deeply weighted purchase price = average price of "margin influence amount" in the transaction of competitive buyer
* deeply weighted selling price = average price of "margin influence amount" in the transaction of competitive seller
* margin influence amount refers to the total value of a certain number of orders in the opening
No difference. It's all the same proct. Sesame credit score is the comprehensive processing and evaluation of massive information data by sesame credit, which mainly includes five dimensions: user credit history, behavior preference, performance ability, identity characteristics and interpersonal relationship
sesame credit is based on Alibaba's e-commerce transaction data and ant financial's Internet financial data, and has established data cooperation with public security network and other public institutions and partners. Unlike traditional credit data, sesame credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and coal payment, rental information, address relocation history, social relations, etc
"sesame credit" can evaluate users' credit by analyzing a large number of online transaction and behavior data, which can help internet financial enterprises make conclusions on users' willingness and ability to repay, and then provide users with fast credit and cash installment services
essentially, "sesame credit" is a set of credit reporting systems, which collect data from the government and financial systems, and fully analyze user behavior records on Taobao, Alipay and other platforms. p>
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extended data
scoring rules
1. Sesame credit score (Sesame score for short) is based on the user's data of various dimensions (including financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios), using cloud computing, machine learning and other technologies, Through logistic regression, decision tree, random forest and other model algorithms,
comprehensively processes and evaluates the data of each dimension, and objectively presents the comprehensive evaluation of personal credit status in the five dimensions of user credit history, behavior preference, performance ability, identity characteristics and interpersonal relationship
The score ofranged from 350 to 950. Continuous data tracking shows that the higher the sesame score, the better the credit level. In financial lending, life services and other scenarios, the lower the probability of default. A higher sesame score can help indivials obtain more efficient and better services
Second, the composition of sesame credit score:1. Credit history: past credit account repayment records and credit account history
2. Behavior preference: preference and stability in shopping, payment, transfer, financial management and other activities
Performance ability: stable economic source and personal assets4. Identity traits: sufficient and reliable personal basic information left in the process of using related services
5. Social relationship: the identity of friends and the degree of interaction with friends
Disadvantages: stimulate consumer consumption, which is also good
Li: all users of sesame credit are real name authentication users, covering a wide range. Many people who originally had no credit records in traditional credit investigation also began to have their own credit evaluation
Credit Loan: don't worry if you are short of an umbrella in rainy days and your mobile phone suddenly has no power. Maybe in the supermarket or hotel on the street, you can borrow an umbrella or a power bank without paying a deposit. Sesame Credit provides deposit free loan and return service for users with good credit (600 points and above). Just open the mobile phone to check the nearby loan and return points, and scan the QR code on the items to borrow the needed items
credit package: Sesame credit, together with China Unicom, China Telecom and China Mobile, creates credit package (contract machine, number card, broadband, etc.). Credit package, in the contract period on time and effective performance, help to accumulate credit. At the same time, users with good credit can enjoy more convenience brought by credit life, while malicious arrears and default will affect credit records
charge free travel: ① deposit free riding is a convenient and easy way for users with good credit (Sesame score of 600 or above) created by sesame credit and public bicycle service providers. Shuttle through the streets of the city, as long as you move your finger to scan the QR code, you can step on your bicycle in one minute and enjoy the city scenery freely. In just a few months, more than one million users have experienced the convenient green transportation service. ② Deposit free car rental is a more convenient way for users with good credit (Sesame score of 650 or above) to rent a car by sesame credit and several car rental companies (Shenzhou car rental, yihi car rental, etc.), which does not need to wait in line to swipe the card, and can rent a car without deposit by online booking. It only takes 2-3 minutes, and you can easily set foot on the journey
mortgage free accommodation: ① credit rental, sesame credit cooperates with a number of rental platforms (Xiangyu, Youke Yijia, etc.), hoping to bring a new rental experience to the young people who are wandering outside. According to the different points of sesame, the rental platform will provide different rental schemes, free of charge and monthly rent, so as to rece the pressure of deposit for young people. ② Sesame credit, together with a number of hotels and B & B platforms (Flying Pig travel, piggy short rent, etc.), provides deposit free service for users with good credit (Sesame score of 600 points or above). They can enjoy deposit free, queuing free and room inspection free services. The efficient and fast check-in mode reces the check-in time from 3 minutes to 45 seconds, and the check-out time from 2 minutes to 18 seconds. The fatigue journey is as simple and comfortable as "going home"
Alipay opened the sesame credit and then it could be closed. The specific closing steps are as follows:
1, open Alipay client, click "my" - "sesame credit".
2. Click "credit management"
3. Click "authorization management"
4. All authorized applications can be seen in the pop-up interface. Click the application that needs to be closed, and then click "cancel authorization"
development materials: Sesame credit is committed to solving the problem of trust between consumers and businesses, and building a mutually beneficial business environment. Relying on innovative technologies such as big data, cloud computing, and blockchain, and connecting multi-dimensional scenarios such as commerce and people's livelihood, we provide consumers with inclusive and equal credit services, such as deposit free rent, credit visa, and fast claim settlement, so as to enhance the happiness brought by credit. At the same time, it helps businesses restructure experience, improve efficiency, rece risk, expand sales, and let them enjoy credit dividends
sesame credit users have the right to know, the right to choose, the right to object, the right to complain and the right to information security
reference: Sesame credit official website - credit life
1、 Different service types
1. Ant points is a point service provided by jifenbao company of ant financial services group
Sesame credit is an independent third-party credit reference institution under ant financial services, which objectively presents personal credit status through cloud computing, machine learning and other technologies. It has provided credit services for users and merchants in hundreds of scenarios, such as credit card, consumer finance, financial leasing, hotel, rental, travel, marriage, classified information, student service, public utilities service, etc
two, ant score has currency function. Sesame credit does not have
ant score. It can be used as "money". There are several scenarios for use:
1, integral cash: trading on Alipay cooperative business website (Taobao, Tmall, etc.) or business scenarios specified on Alipay website (such as credit card repayment, public utilities payment, etc.). It can be dected by the proportion of RMB converted from jifenbao at the time of payment
2. Points exchange: purchase with "jifenbao + money" discount or exchange goods with full amount of jifenbao (only once a day)
3, integral donation: in the Alipay integral donation page, use Ji Bao to donate public welfare projects. Jifenbao allows you to give your love without spending any money
4. Points lottery: if you participate in the lottery with small points, you will have a chance to win a thousand yuan prize, and the winning result will be fed back in real time
Third, sesame credit has the function of comprehensive evaluation of data, while ant does not.
sesame credit score is the comprehensive processing and evaluation of massive information data by sesame credit, which mainly includes five dimensions of user credit history, behavior preference, performance ability, identity characteristics and human relationship
sesame credit is based on Alibaba's e-commerce transaction data and ant financial's Internet financial data, and has established data cooperation with public security network and other public institutions and partners. Unlike traditional credit data, sesame credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and coal payment, rental information, address relocation history, social relations, etc
first, the scope of sesame credit is different
sesame credit includes four application scenarios: accommodation, travel, social networking and finance
bank credit reference adheres to the road of simplification, focuses on the loan market, and takes the lead in controlling capital risk< Second, the credit rating is different
sesame score takes into account the credit history, behavior preference, performance ability, identity characteristics and social relationship of indivial users
there is no scoring system for indivial credit of bank credit investigation, and there is no grade division. Each institution has its own yardstick to measure the quality of credit. Generally speaking, "three in a row and six in a row" is a boundary point. As long as the borrower is overe for three times in a row and six times in a total within two years, it can be labeled as "good credit"
three, query mode is different
query sesame, the beta users only need to install Alipay wallet mobile phone client on the mobile phone, open the "fortune" column, you can see the sesame credit score options, click to check sesame score.
Bank Credit: the public can query personal credit reports through the Internet, online banking of commercial banks, self-service inquiry machine and counter inquiry< 4. Different ways to eliminate bad credit records
sesame credit card:
1. Often use credit card to shop online and repay on time
2. Online shopping knows how to make active payment instead of waiting for the system to dect payment automatically
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4, often giving love on Alipay;
5, multi-purpose Alipay transfer, etc.
Bank Credit: because bank credit is a rolling process. As time goes by, the new credit record will be covered by the old credit card from the day that the borrower pays the debt. After two years, the bad credit record will disappear automatically.