Borrowing money in JD.COM is an online loan, and any online platform with the nature of borrowing money is an online loan. Jingdong Finance has products and services such as White Strip, Jingdong Payment, Jingdong Small Treasury, product crowdfunding, small white card and gold bar, covering consumer finance, payment, wealth management, crowdfunding, insurance, securities and other fields. When borrowing money in JD.COM, you should be careful not to make overdue behavior, because JD.COM has completed the link sharing with the central bank's credit information center database. When an individual has overdue behavior, it will be uploaded to the credit information, which will affect personal credit.