Because most of the borrowing funds of Jingdong Finance come from banks or relatively large financial institutions. And judging from the cooperation platform it chooses, all it needs is security and supportability. Everyone knows about bank loans. As long as the borrower fails to repay the loan, its bad behavior will be reported by the credit bureau, so the audit requirements of Jingdong Finance are very high.
In terms of interest, JD Finance generally calculates interest on a daily basis, which is not very high. See the page. Moreover, the interest of JD Finance will change dynamically with the comprehensive evaluation of the borrower's credit accumulation and other information.