Is JD.COM gold bar a formal loan? Is the interest high?

JD。 Gold bars are regular loans with high interest.

According to Xicai.com's inquiry, JD.COM Gold Bar is an online loan product launched by Jingdong Finance, and its business is legal and compliant, and it is regulated by relevant national laws and regulations. Jingdong Finance is operated by JD.COM Microfinance Co., Ltd., a subsidiary of JD.COM Group, and is a legal financial institution approved by the national financial regulatory authorities. Compared with bank loans, the interest rate of JD.COM gold bars is higher. The bank loan interest rate is 5%, while the JD.COM gold bar interest rate is above 10%.

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