In order to meet the demand of rural credit, JD.COM Chongqing Microfinance Company is also under construction. This small loan company focuses on rural financial services and will provide financial services to rural areas, farms, farmers and farmers. As early as 2065438+March 2005, JD.COM put forward the "3F strategy" of rural e-commerce, namely, the strategy of industrial products entering the countryside, the strategy of fresh e-commerce (farm to table) and the strategy of rural finance entering the countryside. Hong Jie, head of rural finance in JD.COM, said that the "3F" strategy involves farmers producing agricultural products and selling them to cities, and then buying industrial products, agricultural materials and other items from cities for consumption, financing and reinvestment. This is a complete industrial chain of rural economy. Hong Jie said that "Jingnong Loan" can be applied without any mortgage, and Huinong Loan can enjoy exclusive low interest, and the loan can be released as soon as the same day. The data shows that farmers' production, acquisition, processing and sales will generate a large amount of capital demand. Jingdong Finance said that at the purchasing end of production materials, JD.COM can use its own channels to distribute affordable genuine raw materials to farmers, and also provide services such as credit sales and credit for farmers; In the production of agricultural products, JD.COM provides farmers with diversified services such as credit and technical training; In terms of product sales, JD.COM exploits the advantages of channels to open up the agricultural products market, and helps farmers and enterprises to develop through credit and crowdfunding. Hong Jie said that through innovation, JD Finance will gradually push mature wealth management, consumer finance, insurance, crowdfunding and other businesses to the vast rural areas. For example, in addition to solving the "Jingnong loan" for financing agriculture-related enterprises, farmers can also better enjoy consumption through rural payment and rural IOUs. Jingdong Finance said that it will also provide farmers with financial services such as farmers' financial management, agricultural insurance and crowdfunding of agricultural products that meet their needs. JD.COM has launched more than ten kinds of agricultural products, and will explore ways to bring diversified and customized financial services to rural areas according to rural economic development and market demand in the future. The two products launched this time-Pioneer Jingnong Loan in the field of agricultural credit and Renshou Jingnong Loan in the field of agricultural credit, meet the credit demand of means of production in the purchase of agricultural materials and agricultural products in the purchase of agricultural products respectively. Jingdong Finance said that it is difficult for farmers to obtain credit loans from traditional financial institutions because credit cannot be evaluated. Faced with such problems, JD Finance chose to cooperate with agriculture-related institutions, understand the credit level of farmers based on big data information precipitated by partners and e-commerce platforms, and give corresponding credit lines to control risks. What is Beijing Agricultural Loan? It is a credit product for Jingdong Finance to enter the countryside. The above also introduces the specific functions of Jingnong Loan, hoping to help everyone. ?