The advancement of Internet technology has brought sweeping changes to our lives. Online shopping and mobile payments have become mainstream, and mobile finance is becoming more and more common. Previously, offline banking and financial scenarios have shifted to online, and financial services can be conducted without leaving home.
In order to better provide services to users, Jingdong launched the Jingdong Financial Platform at the right time. Jingdong Finance can now provide comprehensive financial services, including loan business is an important segment of Jingdong Finance, then, Jingdong Finance loan is reliable? From three aspects to analyze.
Platform background
Jingdong Finance is currently an independently operated platform. Relying on the users, technology and brand influence of the Jingdong Group, Jingdong Finance provides Jingdong users with richer usage scenarios. At present, the main lenders of Jingdong loans include banks, trust institutions, licensed institutions and microfinance companies, all of which are formal lending platforms, access to the central bank credit, so the Jingdong financial borrowing is formal and reliable.
Product analysis
The two trump card products of Jingdong Finance are Jingdong White Bar and Jingdong Gold Bar. The two are similar to the ants' chanting, which allows users to consume first and pay later. The first one is a new one, and the second one is a new one, and the third one is a new one, and the third one is a new one.
The first thing you need to know is how to get the best out of your home, and how to get the best out of your life.
Jingdong Jinjiao is a cash lending service tailored by Jingdong Finance for Jingdong White Label users with good credit. It can be borrowed and repaid as you go, and the maximum repayment period is 12 months by default, which can only be operated through the Jingdong Finance app. So it is built on the basis of Jingdong White Bar, there is no Jingdong Gold Bar without Jingdong White Bar, and the interest rate for borrowing is 0.05%.
In addition, Jingdong also has Jingbaobei and Jingxiaolian, which specializes in providing credit loan services for business owners. Jing small loan for merchants stationed in the Jingdong open platform, the maximum amount of 5 million, relaxed to the Jingdong wallet, can be withdrawn to the enterprise public account.
In addition, Jingdong Finance has a wealth of credit products for users to choose from, such as CCB Quick Loan, Bank of Nanjing - Cheng Yi Loan, Baoyin Consumer - Baoyou Loan, Zhaolian Good Term Loan, Beibing Consumer Finance - Easy e Loan and so on.
Down payment situation
Jingdong lending money is the invitation system, temporarily does not receive the initiative to open, need to have good credit, high activity of customers to qualify. It is understood that there are a number of users in the Jingdong Lending successful loan. Jingdong Finance with the help of Jingdong big data on the user's credit situation to carry out a comprehensive assessment of eligible users to grant credit lines, can be better control of the platform risk, to provide users with better service.
In addition, the comprehensive strength of the platform can also be analyzed. Jingdong Finance, in addition to lending, also provides a variety of financial products, since the launch has never been overdue to deal with the situation, the money fund has never been a loss, so the operation of Jingdong Finance is also relatively stable and safe.
Overall, borrowing from Jingdong Finance is relatively reliable. Ali's Alipay and Jingdong Group's Jingdong Finance are both giants in the Internet field, and both are very strong. Compared with Alipay, the weaker point of Jingdong Finance may be that it does not have a convenient payment function. However, but from the loan function analysis, Jingdong Finance is really more reliable platform.
The above is the introduction of Jingdong Finance, I believe you have a more in-depth understanding of Jingdong Finance, you can pick a suitable loan product according to your own needs.