Jingdong Finance is a legal and formal loan platform authorized by the state. Every loan is legally operated under supervision, so it is supervised and protected by law. Jingdong Finance is only an online lending platform, and all transaction disputes between online lending platform and customers are civil disputes. There is no jail time for this, only prosecution and court settlement. However, since we are going to borrow money, we must be prepared to return it on time. Jingdong Finance is a formal lending platform, and your loan will be directly uploaded to your personal credit report. Once overdue, your personal credit report will be recorded. Jingdong Finance's account is in arrears and has not been repaid for many times.

Jingdong Finance is a credit product. In order not to affect your personal credit, it is recommended that you repay on time to avoid bad use records. If loans overdue, it will have serious consequences. Presumably, many people will think that the interest rates of JD.COM and Alipay online loans are too high, but there is a clear agreement when borrowing money, and you sign it. Generally speaking, as long as the term is not exceeded, the interest rate is only a little lower than the usury line stipulated by the state. If you fail to repay within the time limit, JD.COM and Alipay will provide you with credit and handle the wizard procedure.

Jingdong Finance is a formal financial platform approved by China Banking Regulatory Commission, and is subject to state supervision. It is understood that JD Finance is a sub-brand of digital technology in JD.COM, including personal finance, corporate finance and financial technology. Among them, there are IOUs, JD.com Payment, JD.com Small Treasury and other products in the personal finance sector. Corporate financing includes JD.COM Baby, JD.COM Small Loan, Gold Mine, Quick Money and other products. The financial technology sector has products such as Big Dipper and FIQS.

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