Chapter 831 [Debut is the peak and the ensuing doubts]
Netizens discovered that the "Pay Credit" function on WeChat also has a small game called "Credit PK", where you can compete with your friends and also make it easier to understand the credit level of your friends around you.
If the other party authorizes and agrees, you can also directly check the other party's credit points.
In addition, it is worth mentioning that the users who activate this function are all real-name authenticated users. Relying on the WeChat platform, the coverage is huge, allowing many people who did not have credit records in traditional credit reporting to now have their own credit.
Rating.
The next morning, the WeChat operations team posted a dynamic blog post on its official Weibo, officially announcing that on the first day of launch, the number of activated users exceeded 12 million.
The scale of this figure shocked the industry. With this momentum, it will not exceed 100 million in half a month?
It can be said that the debut is the peak.
However, this is both unexpected and reasonable.
After all, it is backed by a super social platform with more than 600 million users, and everyone agrees that the number of users who have activated the "payment credit" function will most likely be the same as the number of users of the WeChat platform in the future.
All of a sudden, netizens were posting their credit score levels on their WeChat Moments, as well as the results of their “credit PK” with their friends.
The content of this new version of WeChat’s update can be said to have pushed people’s attention to their personal credit situation to a whole new level.
Many people originally didn't pay much attention to the matter of credit reporting, nor did they care much about it, because they hardly ever use it, especially the ordinary people who work in factories driving screws, who feel it is too far away from them.
But now, many people are beginning to care about and take the initiative to manage and maintain their personal credit, because a higher credit rating can really bring great convenience to daily life.
If your credit score exceeds 600 points, you can enjoy services such as no deposit for renting a house.
Users who have activated the "payment credit" function are improving their credit score levels through various channels. In short, the higher the score, the higher the score.
Not only can you install X, but the higher your credit score, you will also get many special benefits. Among them, what everyone pays most attention to is the medical-related thing, that is, the "diagnosis first, payment later" service.
This is also the one with the highest credit requirements among the current services in the "Payment Credit" function. The threshold for this service is 650 credit points. Medical expenses below 5,000 yuan need to reach more than 675 points to enjoy "
"Diagnose first, pay later" service.
By analogy, the credit points corresponding to each fee bracket that can enjoy the "diagnosis first, pay later" service are: higher than 700 points, corresponding to the 10,000 yuan bracket; higher than 725 points, corresponding to the 50,000 yuan bracket; higher than 725 points, corresponding to the 50,000 yuan bracket;
A score of 750 corresponds to the 100,000 yuan bracket, a score higher than 775 corresponds to a 150,000 yuan bracket, and a score higher than 800 corresponds to the highest limit of 500,000 yuan.
In fact, the amount of points corresponding to different grades represents the upper limit assessment of a user's ability to perform contracts. It can be used not only in the medical field, but also in consumption in other fields.
For example, if a user's credit score is higher than 800 points, it means that the platform evaluates that he has a credit foundation and actual performance ability within the range of 500,000 yuan. Then he can also use the "pick up the car first, pay later" service when buying a car.
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However, it has not yet reached cooperation with car companies, but this is also the direction of the platform's efforts. In the future, it will definitely introduce more third-party partners to enrich the entire credit ecosystem and become more diverse.
But also today, there are voices of doubt in public opinion. Yesterday there was praise and heated discussions among netizens, but today there are voices of doubt. It is obvious that people with ulterior motives are causing harm, and the trolls have begun to mobilize.
I was caught off guard yesterday, but I came to my senses today and started taking action.
The focus of the doubt was the collection of users' personal privacy. Before the WeChat operation team could speak out, Fang Hong directly responded to the doubt by posting a dynamic blog post on his personal Weibo account:
[Regarding some doubts about "payment credit" that have appeared online, the WeChat operation team is currently very busy inside and outside. Let me say a few words for them. This function will not collect personal information such as user chats, text messages, calls, etc.
It will collect and track users' comments on social media. Even with the user's authorization, it will only collect necessary, valid, and various dimensional data related to economic and credit evaluation.
Except for special circumstances otherwise stipulated by law, the collection, sorting, processing and output of user information, whether it is a credit payment function or a third-party cooperative agency, must obtain the authorization of the user. Without user authorization, neither this function nor the
Neither the user's data nor the partner organization can access the user's data.
In addition, Quantitative Capital provides technical support. All data are operated and calculated through scientific scoring models without manual contact. The system will also automatically desensitize sensitive data through algorithm rules.
In addition, the risk control management has also introduced the risk control system of Qunxing Capital, which has excellent credit management system construction experience and brings together the industry's top data scientists and leaders in the financial industry. It deeply integrates traditional credit assessment and Internet innovative credit assessment.
The industry has rich experience and deep insights.
Each network platform under the Galaxy Group has a massive amount of user data. It is undeniable that we do have a large amount of users' private information. This is the trust that users have in our platform. The trust that users have in us is also the basis for the strength of the platform. This is both trust and
Responsibility, when users no longer trust us, it will also be the beginning of decline. We will not do the work of digging the foundation ourselves.
The requirements of the law are the minimum standards, and our protection of users' personal privacy is higher than the minimum standards of the law. We can make money just by standing up. We don't want to waste a little unconscionable money and smash our own signs.
It is difficult to calculate the gains and losses of this account.
In a nutshell: the people know in their hearts whether the country is good; the students know whether the teachers are good or not; the users know whether the products are good or not.】
Fang Hong's response to this blog post was updated, and it was quickly forwarded and discussed by various netizens. It easily received millions of likes, especially the last paragraph of the blog post. Netizens said that the boss is the boss, and what he said
It is both down-to-earth and level-headed, and has also been forwarded and cited by various self-media.
This blog post response has dispelled many users who have concerns about privacy. After thinking about it, it does make sense. Qunxing Capital has the ability to make money on its own, which has been proven by countless examples.
The most typical recent example is last month's massive reverse cut on Wall Street, which also prompted Qunxing Capital to fully intervene in reshaping the medical field.
To take a step back, the abuse of personal privacy by other corporate organizations is a well-known thing, because there is currently no specific legal management in this area, which belongs to the area of lack of supervision. Some people seize the loopholes in the law and say "the law does not prohibit it".
The banner of "anyone can do anything" is used as a shield to seek benefits and act recklessly.
Under such an environment, Qunxing Capital can still restrain itself and manage its holding subsidiaries well.
In comparison, it looks like white moonlight.
This is the dignity that large companies should have. As Fang Hong said, users know whether a product is good or not.
The reputation we have gained over the years is not just what we say, but what we have been doing, and the public is watching.
The doubts that had just emerged were quickly dispelled by Fang Hong's blog post.
