"The main content of JD. COM IOUs means that consumers can apply for a personal loan of up to RMB 6,543,800+RMB 5,000 when shopping in JD.COM, and repay it in installments within 3-24 months. It is a consumer finance business for individual consumers, based on the credit system of Jingdong members. Users can enjoy the credit purchase service of "consumption first, payment later" when spending in JD.COM.