There are risks. Now JD.COM IOUs are mainly manifested in three points: the first is technical risks. "The development of JD. Business "business is based on accounts in JD.COM. Every transaction is generated through computers and networks, data is obtained through computers and networks, and information is compiled through computers and networks. The second is legal risk. The same is true of the development of "JD". "Business is booming. There is a gap between China's current banking law, insurance law and securities law and the development needs of JD.COM. "Business is booming. The third is the risk of credit default. “JD。 The amount of "COM white note" is given according to the product type, transaction amount, transaction times and other information purchased by consumers, which cannot guarantee the reliability of the information.

Operating environment: Xiaomi11mui12.6.5 JD finance JD finance version 6. 1. 10.

JD.COM White Bar is an Internet consumer financial product, which is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy the longest 30-day deferred payment period or the longest 24-installment payment method by using the white note payment on JD.COM website, which is the first Internet consumer finance product in the industry.

2.20 15 years, Baitiao began to go out of JD.COM and integrate into more scenes with an open and cooperative attitude, providing users with credit consumption loans. Including the white joint name XYK and the bank; Cooperate with third-party merchants to provide services such as "white strip" staged tourism, renting, decoration, car purchase and education. And provide consumer financial support specifically for campus and rural people.

Three. JD.COM borrowed information. COM: 1。 Users can set their relatives and friends as affiliated IOUs applicants through this service, and send some/all of their IOUs to affiliated IOUs applicants. 2. After successful setting, the user's IOUs quota will be shared with the related IOUs applicant * * *, and all debts incurred under the IOUs and related IOUs will be borne by the user himself. JD.COM can adjust the marketing promotion name of associated IOUs according to relevant laws and regulations and the actual situation of marketing promotion. 3. After verifying the user's IOUs quota, JD.COM has the right to adjust the user's IOUs quota at any time according to the user's credit status, identified risk control factors or other legitimate reasons, and the consequences caused by the user's IOUs quota adjustment shall be borne by the user.

Fourthly, the activation result of white bars is determined by the system according to the comprehensive evaluation of filling materials, and it cannot be manually intervened. You can increase the chances of opening a white note in JD.COM in the following ways: 1, increase and maintain a good consumption record in JD.COM; 2. Purchase and use the wealth management products and services of Jingdong Finance; 3. Open up Xiaobai credit and improve Xiaobai credit score; 4. Try to activate it twice a month, and don't operate it frequently.