JD.COM Baitiao is a personal consumption loan service launched by JD.COM Mall, which refers to the personal consumption credit obtained by users when they use Baitiao to shop in JD.COM. The maximum amount is 1 10,000 yuan, and they can choose to repay in installments of 3-24 months.

"After JD. COM White Slip is open to users on February 13, 14 and 20 14. JD.COM users who have obtained the public beta qualification can get the white slip quota, coupons and preferential rates on February 15 -28, and use JD. COM white bars are consumed in JD.COM.

The "Three-Zero Model", led by the Municipal Commission of Commerce in JD.COM and launched by Suning, Gome and other enterprises in cooperation with financial institutions, is also regarded as the embryonic form of personal credit consumption products.

On February 14, 2004, JD.COM Mall announced the rules of loan amount calculation, repayment method, loan interest calculation and handling fee calculation.

The online purchase of IOUs in JD.COM Mall is similar to installment repayment in e-commerce credit card service, and it is the same as consumption in advance and installment repayment, so it is more flexible.