Last year, JD Finance launched a new lending platform called JD.COM Borrowing Money. In fact, the borrower borrows money not from JD.COM, but from JD.COM cooperative lending institutions. At present, JD.COM cooperates with banks, non-bank financial institutions and high-quality loan companies. After the user submits the application, it will automatically match the qualified lending institutions.

From the perspective of cooperative institutions, most of them are loan platforms that can check credit information and belong to bank credit loans.

Bank of Nanjing-Cheng Yi Loan, Baoshang Bank-Oxfam Loan, Bank of Shanghai-Shanghai Bank Xinyi Loan, Zhaolian Consumer Finance Company-Zhaolian Good Term Loan, China Post Consumer Finance Company-Uni Loan, Instant Finance-Laiqianhua, BOC Consumer Finance Co., Ltd.-Microfinance, Chengdu Weixin Small Loan-Casual Flower, Guangyuan Small Loan-Guangyuan Credit Wallet, 5 1

Among them, Zhaolian Good Term Loan, Laiqianhua, Guangyuan Credit Wallet and Youhuadu are familiar loan products for borrowers, with low threshold and fast payment.

JD。 The interest on borrowing money is not high.

Jingdong Finance's own small loan is JD.COM gold bars. From the official interest rate, the daily interest rate is 0.04% ~ 0.095%; The daily interest rate of the above-mentioned cooperative loan products is between 0.03% and 0.095%, which is not much different from that of JD.COM gold bars; Compared with private loan products, the interest is relatively low.