|
Sesame Credit
Zhima Credit (; also known as Sesame Credit) is a private company-run credit scoring and loyalty program system developed by Ant Group, an affiliate of Alibaba Group. It uses data from Alibaba's services to compile its score. Customers receive a score based on a variety of factors based on social media interactions and purchases carried out on Alibaba Group websites or paid for using its affiliate Ant Financial's Alipay mobile wallet. The rewards of having a high score include easier access to loans from Ant Financial and having a more trustworthy profile on e-commerce sites within the Alibaba Group. It has frequently been confused with the Social Credit System. History China has a much lower rate of credit use than developed markets. As a result, it lacks the associated credit reports. Zhima Credit was introduced on 28 January 2015. It was the first credit agency in China to use a score system for individual users, using both online and offline information. It was developed whe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
China
China, officially the People's Republic of China (PRC), is a country in East Asia. With population of China, a population exceeding 1.4 billion, it is the list of countries by population (United Nations), second-most populous country after India, representing 17.4% of the world population. China spans the equivalent of five time zones and Borders of China, borders fourteen countries by land across an area of nearly , making it the list of countries and dependencies by area, third-largest country by land area. The country is divided into 33 Province-level divisions of China, province-level divisions: 22 provinces of China, provinces, 5 autonomous regions of China, autonomous regions, 4 direct-administered municipalities of China, municipalities, and 2 semi-autonomous special administrative regions. Beijing is the country's capital, while Shanghai is List of cities in China by population, its most populous city by urban area and largest financial center. Considered one of six ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
People's Bank Of China
The People's Bank of China (officially PBC and unofficially PBOC) is the central bank of the People's Republic of China. It is responsible for carrying out monetary policy as determined by the ''PRC People's Bank Law'' and the ''PRC Commercial Bank Law''. The PBC was established in 1948 as the bank serving areas of mainland China under Chinese Communist Party (CCP) control and became China's sole central bank after the founding of the People's Republic of China in 1949. From 1969 to 1978, the PBC was demoted to a bureau of the Ministry of Finance. The PBC was extensively reformed during the 1990s, when its provincial and local branches were abolished, instead opening nine regional branches. In 2023, these reforms were reversed as when the regional branches were abolished and the provincial branches restored, and new arrangements essentially ended the PBC's longstanding role in financial supervision. The PBC is the 25th-ranked of 26 ministerial-level departments of the St ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Services Companies Established In 2015
Finance refers to monetary resources and to the study and discipline of money, currency, assets and liabilities. As a subject of study, is a field of Business Administration wich study the planning, organizing, leading, and controlling of an organization's resources to achieve its goals. Based on the scope of financial activities in financial systems, the discipline can be divided into personal, corporate, and public finance. In these financial systems, assets are bought, sold, or traded as financial instruments, such as currencies, loans, bonds, shares, stocks, options, futures, etc. Assets can also be banked, invested, and insured to maximize value and minimize loss. In practice, risks are always present in any financial action and entities. Due to its wide scope, a broad range of subfields exists within finance. Asset management, Asset-, Money management, money-, Financial risk management, risk- and investment management aim to maximize value and minimize Volatility (fin ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Tencent
Tencent Holdings Ltd. ( zh, s=腾讯, p=Téngxùn) is a Chinese Multinational corporation, multinational technology Conglomerate (company), conglomerate and holding company headquartered in Shenzhen. It is one of the highest grossing multimedia companies in the world based on revenue. It is also the world's largest company in the video game industry based on its equity investments. Founded in 1998, its subsidiaries globally market various Internet-related services and products, including in entertainment, Artificial intelligence industry in China, artificial intelligence, and other technology. Its twin-skyscraper headquarters, Tencent Binhai Mansion, Tencent Seafront Towers (also known as Tencent Binhai Mansion) are based in the Nanshan District, Shenzhen, Nanshan District of Shenzhen. In December 2023, architect Büro Ole Scheeren unveiled the latest helix-inspired design of Tencent's new global headquarters in Shenzhen. Known as Tencent Helix, it will accommodate more than 2 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Palgrave MacMillan
Palgrave Macmillan is a British academic and trade publishing company headquartered in the London Borough of Camden. Its programme includes textbooks, journals, monographs, professional and reference works in print and online. It maintains offices in London, New York City, New York, Shanghai, Melbourne, Sydney, Hong Kong, Delhi and Johannesburg. Palgrave Macmillan was created in 2000 when St. Martin's Press in the US united with Macmillan Publishers in the UK to combine their worldwide academic publishing operations. The company was known simply as Palgrave until 2002, but has since been known as Palgrave Macmillan. It is a subsidiary of Springer Nature. Until 2015, it was part of the Macmillan Publishers, Macmillan Group and therefore wholly owned by the German publishing company Holtzbrinck Publishing Group (which still owns a controlling interest in Springer Nature). As part of Macmillan, it was headquartered at the Macmillan campus in Kings Cross, London with other Macmilla ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Behavioral Analytics
Behavioral analytics is a recent advancement in business analytics that reveals new insights into the behavior of consumers on eCommerce platforms, online games, web and mobile applications, and Internet of Things ( IoT). The rapid increase in the volume of raw event data generated by the digital world enables methods that go beyond demographics and other traditional metrics that tell us what kind of people took what actions in the past. Behavioral analysis focuses on understanding how consumers act and why, enabling predictions about how they are likely to act in the future. It enables marketers to make the right offers to consumer segments at the right time. Behavioral analytics can be useful for authentication as for security purposes. It uses non-identifiable but individually unique factors to confirm who the user is. The identity of the user is authenticated in the background using factor such as mouse movement to typing speed and habits, login history network detail like ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Schufa
Schufa Holding AG (; English: ''General Credit Protection Agency''), proper spelling SCHUFA, is a German private credit bureau supported by creditors. It has its headquarters in Wiesbaden. Schufa's purpose is to protect its clients from credit risks. It also offers protection from insolvency to borrowers. Schufa has 943 million records on 67.7 million natural persons, and 6 million companies. Schufa processes more than 165 million credit checks each year. Of those, 2.5 million are self-checks by citizens. Schufa employs 900 people (as of 2019). In 2016 Sales amounted to approx. 190 million Euros. History At the beginning of the 20th century, the Berlin city electric company (BEWAG) offered household appliances for sale on installment plans. At the time, the financing was compared with electric bills and only regularly paying customers would be supplied with appliances. This started a system for assessing payment behavior. With the experience they gained from BEWAG, Walter an ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Score In The United States
A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report. It is an inexpensive and main alternative to other forms of consumer loan underwriting. Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers. Under the Dodd-Frank Act passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, credit card or insurance due to their credit score. History Before credit scores, credit was evaluated using credit reports from credit bureaus. During the late 1950s, banks started using computerized credit scoring to redefine creditworthiness as abstract statistical risk. The Equal Credit Opportunity Act banned denying credit on gender or marital sta ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Baihe
Baihe may refer to: Mainland China Counties *Baihe County (白河县, lit. "White Creek"), Ankang, Shaanxi Towns *Baihe, Guangdong (百合镇), town in Kaiping *Baihe Town, Gansu (白河镇), town in Li County *Baihe, Guangxi (百合镇), town in Heng County *Baihe, Hebei (白合镇), town in Tang County *Baihe, Mengjin County (白鹤镇), town in Henan *Baihe, Song County (白河镇), town in Henan *Baihe, Hubei (白鹤镇), town in Fang County *Baihe, Shanghai (白鹤镇), town in Qingpu District *Baihe, Sichuan (白合镇), town in Dongxing District, Neijiang *Baihe, Zhejiang (白鹤镇), town in Tiantai County Townships *Baihe Township () in Gansu Subdistricts * Baihe Subdistrict (白鹤街道), a subdistrict of Qidong County in Hunan * Baihe Subdistrict, Ningbo (白鹤街道), a subdistrict of Jiangdong District in Ningbo, Ningbo prefecture-level city, Zhejiang * Baihe Subdistrict, Nanyang (白河街道), a subdistrict of Wancheng District in Nanyang, Henan, Nanya ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Taobao
Taobao is a Chinese online shopping platform. It is headquartered in Hangzhou and is owned by Alibaba. According to Alexa rank, it was the eighth most-visited website globally in 2021. Taobao.com was registered on April 21, 2003 by Alibaba Cloud Computing (Beijing) Co., Ltd. Taobao Marketplace facilitates consumer-to-consumer retail by providing a platform for small businesses and individual entrepreneurs to open online stores that mainly cater to consumers in Chinese-speaking regions (Mainland China, Hong Kong, Macau and Taiwan Taiwan, officially the Republic of China (ROC), is a country in East Asia. The main geography of Taiwan, island of Taiwan, also known as ''Formosa'', lies between the East China Sea, East and South China Seas in the northwestern Pacific Ocea ...) and abroad, which is made payable by online accounts. Its stores usually offer an express delivery service. Sellers are able to post goods for sale either through a fixed price or an auction. Auction ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Princeton University Press
Princeton University Press is an independent publisher with close connections to Princeton University. Its mission is to disseminate scholarship within academia and society at large. The press was founded by Whitney Darrow, with the financial support of Charles Scribner, as a printing press to serve the Princeton community in 1905. Its distinctive building was constructed in 1911 on William Street in Princeton. Its first book was a new 1912 edition of John Witherspoon's ''Lectures on Moral Philosophy.'' History Princeton University Press was founded in 1905 by a recent Princeton graduate, Whitney Darrow, with financial support from another Princetonian, Charles Scribner II. Darrow and Scribner purchased the equipment and assumed the operations of two already existing local publishers, that of the ''Princeton Alumni Weekly'' and the Princeton Press. The new press printed both local newspapers, university documents, '' The Daily Princetonian'', and later added book publishing ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Scoring
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Digital finance companies such as online lenders also use alternative data sources to calculate the creditworthiness of borrowers. By country Australia In Australia, cre ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
