JD Finance is a formal and legal platform for the following reasons:

1. JD Finance is a personal financial business brand under JD Digital Technology Group and has become the personal financial decision-making platform chosen by many users. It cooperates with nearly a thousand financial institutions such as banks, insurance companies, and fund companies to provide users with professional and safe personal financial services.

2. The loan interest rate of JD Finance complies with the standards stipulated by the state. The maximum annualized interest rate does not exceed a little more than 20%, which is not ridiculously high.

3. JD Finance conducts strict review and research on the investors who have settled in the platform, filtering out unsafe institutions and ensuring the security of the platform.

4. JD Finance’s borrowing services are connected to the central bank’s credit reporting, which means that its lending behavior is supervised and constrained by national financial regulatory agencies and is formal and reliable.