什么可以凭芝麻分贷款

芝麻分，作为阿里巴巴旗下芝麻信用的一个信用评分系统，已经被越来越多的金融机构和平台接受作为贷款审核的重要依据。凭芝麻分贷款已经成为一种新型的贷款方式，为消费者和企业提供了更加便捷的融资渠道。

首先，我们来了解一下芝麻分的概念。芝麻分是根据用户在支付宝、淘宝等阿里巴巴旗下平台的行为、信用记录、消费能力等多方面因素综合评估得出的一个信用评分。这个评分越高，表明用户的信用状况越好，违约风险越低。

那么，哪些机构可以提供凭芝麻分贷款的服务呢？目前，越来越多的金融机构和平台开始与芝麻信用合作，推出凭芝麻分贷款的产品。例如，一些银行、消费金融公司、P2P平台等都推出了相关产品。用户只需要在相应的平台上申请贷款，并授权芝麻信用对其芝麻分进行评估，即可获得贷款额度或者申请通过的可能性。

凭芝麻分贷款的优势在于其便捷性和快速性。用户无需提供复杂的资料和手续，只需要授权芝麻信用对其芝麻分进行评估即可。同时，由于芝麻分是基于用户在阿里巴巴旗下平台的行为和信用记录评估得出的，因此其评估结果相对客观、公正，能够较为准确地反映用户的信用状况。

总的来说，凭芝麻分贷款已经成为一种新型的贷款方式，为消费者和企业提供了更加便捷的融资渠道。未来，随着芝麻信用的普及和应用场景的拓展，相信会有更多的机构和平台加入到凭芝麻分贷款的行列中来，为用户提供更加丰富、便捷的金融服务。

英文中关于“什么可以凭芝麻分贷款”的表述为 "What can be borrowed through Sesame Credit?". Here is the English version of the article:

What can be borrowed through Sesame Credit?

Sesame Credit, as a credit scoring system from Alibaba's Sesame Credit, has increasingly been accepted by financial institutions and platforms as an important basis for loan approval. Borrowing through Sesame Credit has become a new type of loan method, providing consumers and businesses with more convenient financing channels.

First, let's understand the concept of Sesame Credit. Sesame Credit is a credit score that is based on a user's behavior, credit history, and consumption ability on Alibaba-affiliated platforms such as Alipay and Taobao. The higher the score, the better the user's credit status and the lower the risk of default.

So, which institutions can provide loan services through Sesame Credit? Currently, more and more financial institutions and platforms are collaborating with Sesame Credit to launch loan products based on Sesame Credit scores. For example, some banks, consumer finance companies, P2P platforms, and others have launched related products. Users only need to apply for a loan on the corresponding platform and authorize Sesame Credit to evaluate their Sesame Credit score to obtain a loan limit or increase the likelihood of loan approval.

The advantage of borrowing through Sesame Credit lies in its convenience and speed. Users do not need to provide complex materials and procedures; they only need to authorize Sesame Credit to evaluate their Sesame Credit score. At the same time, because Sesame Credit scores are based on users' behavior and credit records on Alibaba-affiliated platforms, the evaluation results are relatively objective and accurate, which can more accurately reflect users' credit status.

Overall, borrowing through Sesame Credit has become a new type of loan method, providing consumers and businesses with more convenient financing channels. In the future, with the popularity of Sesame Credit and the expansion of application scenarios, more institutions and platforms are expected to join the ranks of loan services through Sesame Credit, providing users with more extensive and convenient financial services.