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Besides IOUs, what can JD.COM borrow?
JD.COM official website shows that in addition to JD.COM white bars and JD.COM gold bars, JD.COM has other products that can be borrowed, as follows:

1. Borrow money from JD.COM. This is a fast application platform for Internet credit products launched by JD.COM. Banks, consumer finance companies, microfinance companies and other financial institutions provide users with convenient and fast unsecured loan services.

2.JD.COM Enterprise Master Loan: This is a credit loan product launched by Jingdong Finance for enterprise users. The maximum loan amount is 500,000 yuan, and the credit line is granted according to the applicant's credit and business conditions.

3. Xiao Jing Loan: This is a loan business for some merchants who have settled in JD.COM and launched the platform, and the whole process is online. The total loan amount of all enterprises under a legal person can be up to 2 million for credit loans and 5 million for order loans.