Line reliability and product reliability are two concepts, and reliability refers to being trustworthy and entrusted. Different people have different requirements for products, that is, the degree of belief is different, which mainly depends on their own risk tolerance and investment experience.

First of all, the bank is reliable, worthy of trust and entrustment. After all, the establishment of the bank is relatively standardized, with a high threshold and backed by strict supervision. Secondly, since May 215, banks have implemented the Deposit Insurance Regulations, and users' deposits have been further guaranteed. The reliability of specific products depends on the specific personal situation. For example, people with different risk tolerance evaluation results are suitable for different products, which leads to the diversification of products. If you are a conservative investor, it is naturally unreliable for you to invest in high-risk bank financing.

jingdong finance does not sell private banking products, or it does not sell banking products on commission, because banking products cannot be sold by third parties. Private banks in JD Finance only appear in the form of advertising display, and do not participate in agency sales. This is just like opening headlines to see advertisements, and headlines do not participate in the sales and operation of specific products.

the sales of private bank products in jingdong finance are still completed by private banks themselves. for example, jump to the webpage of private bank official website or open an electronic account of the bank through other channels (second-class bank account). The purchase is to transfer the money to the electronic account of the bank for purchase, instead of directly purchasing it through the JD.COM account. That is to say, in the whole operation, JD Finance does not participate in the sales business, nor does it bear the main responsibility for sales.

in other words, whether the products of private banks are reliable or not has nothing to do with whether they are in Jingdong Finance. It just appears in the form of advertising display, and whether they are reliable or not depends on whether the products provided by them are not worthy of users' trust.

For example, Zhongbangbao is not a complete bank deposit, strictly speaking, it belongs to innovative cash management products of banks and belongs to on-balance-sheet financial management of banks. The bank's on-balance-sheet financial management can provide capital preservation. This product is a low-risk product based on the underlying assets as deposits and provides corresponding capital preservation.

However, because of its capital preservation, its income is not as good as that of low-risk wealth management products provided by securities or insurance such as Alipay. In other words, low-risk products and low-risk products are not comparable. Of course, with the popularity of JD Finance (there are many conservative investors in China), Alipay is not willing to lag behind, and it also provides corresponding bank-guaranteed low-risk wealth management products.

if we compare the capital-guaranteed low-risk wealth management products advertised by jingdong finance and AliPay, the risks of the two products are the same, and the specific benefits are linked to the term. The longer the term, the higher the benefits, and vice versa.