The significance of depositing money into Jingdong's small vault to open white bars is that it allows customers to try out the white bars first, thus stimulating consumption.
And after that, customers can officially upgrade to regular white bars by accumulating more good credit. What's more, the locked funds deposited in the vault are eligible for a certain return.
And as a new way to activate the white strips, the ratio of the amount deposited in the small vault to the white strips' quota is 1:1, and customers need to deposit funds ranging from one hundred yuan to 30,000 yuan in the Jingdong Small Vault through Jingdong Financial before they have a chance to open the white strips.
Expanded Information:
"Jingdong Baijiao" is the industry's first Internet credit payment product, which allows users to enjoy the consumer experience of "consume first, pay later, real-time approvals, and installment at will", and it has quickly become a model for the industry, laying the foundation for Jingdong Financial's position as a leading brand in the consumer finance industry. The company's newest product is a new product that will be launched in the next few years.
In terms of positioning, "Jingdong Baijiao" is a credit payment service for users with high credit ratings and consumption needs through credit assessment based on big data.
Users in the Jingdong Mall to enjoy the first use of the payment and installment shopping services, up to 24 installments, bills can also be installments and minimum payment, the implementation of interest rates lower than the bank credit card. Jingdong Finance consumer finance opened more than 100 million users.
Since then, "white" also through the Jingdong system of O2O (Jingdong home), global shopping, product crowdfunding, and later gradually covered the rental, tourism, decoration, education, wedding and other areas, from credit purchase services to provide credit consumption loans, covering more consumer scenarios, to provide credit consumption services for more consumers.
Jingdong Baijiao's service scenarios have been gradually extended, cooperating with nearly 10 million merchants online and offline, covering the life and entertainment, business travel and tourism, education and training, communications and leasing industries. In addition, it has cooperated with banks on joint e-accounts "White Bar Flash Pay", expanding white bar payment to offline through NFC technology, and further broadening the use of white bar payment scenarios by binding WeChat Pay.
In March 2019, more than 200 people have been convicted and sentenced for using "Jingdong White Bar" fraud, according to statistics from the referee's website. The average age of the 107 defendants was 28 years old, according to the age disclosed in the judgment. College student defendants accounted for nearly half of the Jingdong Baijiao fraud cases sentenced by two courts in Changsha. The defendants were sentenced to a maximum of 19 years in prison and an average of 2.35 years. In addition, the verdict mentioned more than 362 college students who were defrauded, making them a more conspicuous group of victims.
Beijingdong White Bar is the industry's first Internet consumer finance product.
"Spend first, pay later" and enjoy an interest-free period of up to 30 days and a maximum of 24 installments.
Log on to the baitiao official website, or Jingdong Financial APP - White Bar, you can enter the page to apply for activation on your own. Jingdong Mall users are eligible to activate the "white bar" for mall consumption.
Why do you need to save a small treasury to activate the white bar
The opening of the white bar does not mean that you can open the identity of the information lost, show a small treasury to open the white bar is required to deposit money in the treasury, equivalent to the appearance of the deposit, the money deposited into the daily interest can be withdrawn directly. For example, if you deposit 500 yuan into the vault, you will have 500 yuan of credit, and if you deposit 1,000 yuan, you will have 1,000 yuan of credit, which is relative, and if you want to bring up the money inside, you need to finish the credit before you can bring it up.
It is possible to open a white label without depositing money into a Jingdong vault.
Because it would have only required customers aged between 18 and 55 years old; is a member of Jingdong, residents of mainland China; the account has completed the real-name authentication and the account status is normal, has not been complained about; personal credit is good, Xiaobai credit score of eighty and above, then you can directly log on the Jingdong Financial APP operation to open the white bar (the same ID card, the same cell phone number can only activate one at present). The same ID and the same cell phone number can only activate one white label account at present).
And deposit Jingdong small treasury open white bar method in fact is mainly provided by the system to the general creditworthiness of the customer, due to the general creditworthiness, so temporarily did not get the white bar privileges, but the system did not give up the potential customers directly, so it provides this method.
In this regard, the customer to the small treasury to transfer a sum of money, Jingdong will provide the corresponding amount (the ratio of 1:1, generally deposited one hundred dollars to about 30,000 yuan of funds can open the white bar). And in addition to the Jingdong small treasury deposit money to open the white bar, the system also supports the purchase of financial products to open the white bar.
Jingdong financial platform and the first batch of "small treasury" Internet wealth management products formally online, thus joining Ali, Tencent, Baidu and other "baby" melee. The first batch of Jingdong "small treasury" including two money fund products, respectively, Harvest Fund's "live wallet" and Penghua Fund's "value-added treasure", users need to use the Jingdong account through the net The two money fund products are "Live Wallet" of Harvest Fund and "Value-added Treasure" of Penghua Fund.
On the first day of the launch, the value-added treasure and live wallet in the small treasury's seven-day annualized return of 5.683 percent and 5.578 percent, respectively, are more than the balance of the treasure's 5.472 percent, as well as WeChat Wealth Management in the wealth of China's fund wealth of the treasure of the 5.444 percent, but less than WeChat Wealth Management has just been launched in the wealth of wealth of Wealth Management ETF fund of all the treasure of the 5.885 percent.
Liu Changhong, general manager of the capital business department of Jingdong Finance, introduced that the small treasury is a personal asset value-added service provided by Jingdong Finance for users, docking the Jingdong ecosystem, which can satisfy the user's financial management in addition to many other needs. For example, after the purchase of small treasury, users can seamlessly integrate into the Jingdong consumer ecosystem, small treasury funds can not only be used at any time for Jingdong Mall shopping consumption, the future can also be used directly to settle the Jingdong white bill, but also credit card repayments.''
What is the significance of opening a white bar on Jingdong's small treasury?
Significance: small vault open white bar is a new way to activate the white bar, you can through the Jingdong Finance in the Jingdong small vault deposit 1 funds, try to activate the white bar, if the opening is successful, the amount of money deposited in the vault and the white bar quota ratio of 1:1, through the small vault to open the white bar when the money deposited in the vault is temporarily frozen, but will continue to generate the small vault revenue.
The following is the introduction of Jingdong White Bar:
"Jingdong White Bar" is the industry's first Internet credit payment product, so that users can enjoy the "first consumption, payment, real-time approval, at will installment" of the consumer experience, has quickly become the industry model. It has quickly become a model for the industry and established BOF as a leading brand in the consumer finance industry.
In terms of positioning, "Jingdong Baijiao" is a credit payment service for users with high credit ratings and consumption needs through credit assessment based on big data. Users in the Jingdong Mall to enjoy the first use after payment and installment shopping services, up to 24 periods, bills can also be installments and minimum payment, the implementation of interest rates lower than the bank credit card. Jingdong Finance consumer finance opened more than 100 million users.
The above information refers to Baidu encyclopedia - Jingdong white bar
Jingdong deposit small treasury open white bar what does it mean? Is it cost-effective?Jingdong Xiaojinku is a currency fund product by Jingdong Finance, the funds deposited in the Xiaojinku can not only enjoy the expected return of the currency fund, but also the user to open the white bar. Then Jingdong deposit small vault open white means, small vault deposit money open white cost-effective?
One, Jingdong deposit small vault open white means
1, what is Jingdong small gold deposit
Users deposited in the small treasury funds, in fact, is the purchase of a currency fund, the new user deposited in the small treasury default purchase is the state life security - increase gold treasure money fund. However, the funds in the small treasury can also be paid for use at any time, including the purchase of financial products, funds and gold, etc., as well as the opening of white strips, return white strips.2, what is Jingdong white
white is Jingdong a first consumption and then pay the payment method, its mode is similar to Alipay chanting. However, the use of Jingdong white bar scene is different, mainly to support the use of Jingdong self-service website, 1 store and other places.Jingdong White Bar, like Chanting, is not available to users and is activated by the system based on the user's creditworthiness.
The amount of money deposited needs to be the same as the white label amount, that is, when the white label amount is 1000 yuan, then the amount deposited in the small gold deposit can not be less than 1000 yuan. However, if you deposit money in the vault, you will only get the chance to activate the white label, and you will have to wait for the system to review whether you can activate it successfully, which means that when the system judges that the user's creditworthiness is not high, you will not be able to activate the white label even if you have deposited money in the vault.Two, Jingdong deposit vault open white cost-effective
open white the amount of money deposited in the vault will be temporarily frozen, from the point of view of overdraft consumption, the vault open white the advantage is not prominent, because the overdraft how much means that the vault must be deposited how much. However, the frozen funds can not be used, but does not affect the money fund to generate expected returns, its role is similar to the Alipay reserve, can be borrowed in the short term to obtain a small investment expected returns. The above content on the Jingdong deposit small treasury to open the white bar what it means, I hope to help you. Warm tips, financial risk, investment need to be cautious.