Jingdong Finance is formal and reliable.
Jingdong Financial Gold Bar has a daily interest rate of 0.05% and a maximum loan of 200,000 yuan.
Jingdong Financial Loan is a rapid application platform for Internet credit products launched by Jingdong Finance. Banks, consumer finance companies, micro-loan companies and other financial institutions provide users with convenient and fast online unsecured loans. More formal and reliable.
Jingdong financial loan interest gold bars are different from white bars. It's all drowsiness or credit reporting.
At present, there are many small loans on the market that are relatively easy to apply for. They apply for online loans directly, without providing mortgage guarantee, and can borrow money entirely by personal credit. For small loans, it is best to choose formal institutional products, which will be safer and less stressful and will not affect daily life and work.
I wish you a safe and smooth life in the future. When you encounter difficulties, you can also face them and succeed. If you have any questions you don't understand, you can continue to ask. Don't feel embarrassed or worried. We have always been the backstage of your most loyal friend. In reality, you can talk to me in detail about illegal infringement and dissatisfaction. We have always provided the most reliable judicial answers and help, so don't be afraid when encountering difficulties.
There are a thousand hamlets in a thousand people. Anyway, two identical leaves can be found in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!
What does Jingdong Finance do?
Jingdong finance
China financial enterprises
Jingdong Finance is the personal financial business brand of JD.COM Digital Technology Group. With Jingdong Financial App as the carrier, it has become the personal financial decision-making platform selected by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services. [ 1][2]
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages. Up to now, the accumulated total scale of wealth management and lending in JD.COM has exceeded one trillion. [3]
65438+On February 20, 2020, Jingdong Financial APP has stopped adding online Internet deposit products and stopped new users from purchasing related products. Jingdong finance
China financial enterprises
Jingdong Finance is the personal financial business brand of JD.COM Digital Technology Group. With Jingdong Financial App as the carrier, it has become the personal financial decision-making platform selected by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services. [ 1][2]
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages. Up to now, the accumulated total scale of wealth management and lending in JD.COM has exceeded one trillion. [3]
65438+On February 20, 2020, Jingdong Financial APP has stopped adding online Internet deposit products and stopped new users from purchasing related products. [26]
Basic information
Chinese name
Jingdong finance
Foreign name
Jingdong finance
Company type
finance
industry
finance
Organizational form
limited liability
launch
enterprise management
Planarization
Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments. [4]
Among them, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
Among them, JD Finance has also set up the official store of financial institutions-"Gold Store". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost.
intelligentize
Relying on the powerful digital technology capabilities of JD.COM Digital Branch, the parent group of JD Finance, JD Finance has launched highly applied solution-level products including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing through AI technologies such as machine learning, computer vision, voice recognition, and a series of scientific and technological capabilities such as big data and blockchain. Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize each user's homepage interface and content push according to their daily search content and product usage habits, further reducing the user's selection time and improving decision-making efficiency; On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions.
Is JD Finance a formal loan platform? How to apply for a loan?
Jingdong Finance is a financial service platform owned by JD.COM. In addition to providing users with credit loans, JD Finance can also open JD.COM IOUs and other services through wealth management and fund purchase. Let's take a look at the Jingdong financial loan platform from all aspects.
1. From the platform background, the company behind JD Finance is the well-known JD.COM Group. In 20021year, Fortune Global 500 ranked 59th. 20 14 in may, JD.COM was listed on Nasdaq stock exchange. In April 2020, JD.COM was listed in Hongkong. As a listed company, the background is good.
2. Loan interest rate: The main loan product in JD Finance is JD.COM gold bars, mainly credit loans provided by users in JD.COM. The daily loan interest rate is as low as 0.025%, and the average user's loan interest rate remains at about five ten thousandths, which is a normal level in online lending.
3. Loan fees: JD.COM Gold Bar Loan will not generate additional fees such as account management fees, loan service fees and loan insurance fees except interest, and the fees are transparent.
From the above, financial JD.COM is a formal loan platform with strong economic strength and reasonable loan interest rate, and the loan will not generate other expenses.
How does JD Finance apply for a loan?
1. First, users need to download the Jingdong Financial APP. If they have an account in JD.COM Mall, they can directly authorize login or re-register.
2. After the registration is completed, complete the identity binding, and bind the ID card, bank card and mobile phone number to the platform.
3. Then click "Borrowable Line". After entering, it is actually the authorization of JD.COM Gold Bar. Complete the authorization as required and obtain the credit line.
4. After obtaining the loan amount, click "borrow money" and fill in the relevant information, loan amount, loan term, etc. According to the platform regulations.
5. Finalize the loan, which will be transferred to the designated bank card.