The progress of internet technology has brought earth-shaking changes to our lives. Online shopping and mobile payment have become the mainstream, and mobile finance is becoming more and more common. From the offline banking financial scene to the online banking scene, financial business can be carried out without leaving home.
In order to provide better services to users, JD.COM launched the Jingdong Financial Platform in due course. At present, JD Finance can provide comprehensive financial services, among which loan business is an important part of JD Finance. So, is Jingdong financial loan reliable? Analyze it from three aspects.
Platform background
Jingdong Finance is currently a platform for independent operation. Relying on the user, technology and brand influence of JD.COM Group, JD Finance has provided more abundant usage scenarios for users in JD.COM. At present, the main lenders of loans in JD.COM are banks, trust institutions, licensed institutions and small loan companies, all of which are formal lending platforms and access to the central bank for credit investigation, so the loans of Jingdong Finance are formal and reliable.
product analysis
The two trump cards of JD Finance are JD.COM White Bar and JD.COM Gold Bar. JD.COM's white stripes are similar to ant flowers, so users can spend first and then pay. JD.COM gold bars are similar to ant borrowing, and users can withdraw cash by borrowing from JD.COM gold bars.
The pure credit loan of Jingdong Finance can be applied by white households, and the borrower is required to be between 18 and 55 years old. The amount can only be used for consumption and cannot be withdrawn. You can enjoy an interest-free period of up to 30 days, and you can also repay by installments, supporting up to 24 installments, and the other terms are 3, 6, 12.
JD.COM Gold Bar is a cash loan service tailored by JD Finance for JD.COM White Bar users with good credit. It can be repaid with the loan, and the default maximum repayment period is 12 months, which can only be operated through Jingdong Financial app. Therefore, it is based on JD.COM IOUs. Without JD.COM IOU, there would be no JD.COM gold bars, and the loan interest would be 0.05%.
In addition, JD.COM also has small loans in Beijing, Bao Bei and Beijing to provide credit loan services for business owners. For businesses that have settled in JD.COM, the maximum loan in Xiao Jing is 5 million yuan. The open platform of COM can be extended to Jingdong wallet and withdrawn to corporate accounts.
In addition, JD Finance also has a wealth of credit products for users to choose from, such as CCB Express Loan, Nanyin-Cheng Yi Loan, Yin Bao Consumer Guarantee Loan, Zhaolian Good Loan and Yin Bei Consumer Finance-E Loan.
The situation in the next paragraph
Borrowing money in JD.COM is an invitation system, which is not accepted for the time being. Only customers with good credit and high activity are eligible. It is understood that many users have successfully obtained loans in JD.COM. With the help of JD.COM Big Data, JD Finance comprehensively evaluates users' credit status and grants credit lines to qualified users, which can better control platform risks and provide better services for users.
In addition, the comprehensive strength of the platform can be analyzed. In addition to borrowing, JD Finance also provides various wealth management products. Since its launch, it has never been overdue and the money fund has never lost money. Therefore, the operation of Jingdong Finance is relatively stable and safe.
Generally speaking, JD.COM's financial borrowing is more reliable. Ali's Alipay and JD.COM Group's Jingdong Finance are both giants in the Internet field, both of which are very strong. Compared with Alipay, the weakness of JD Finance may be that there is no convenient payment function. However, from the analysis of loan function, JD Finance is indeed a more reliable platform.
The above is the introduction of Jingdong Finance. I believe that everyone has a deeper understanding of Jingdong Finance and can choose the loan products that suit them according to their own needs.