(1) Jingdong Small Treasury
Jingdong Xiaojinku is an Internet financial product owned by JD.COM, which belongs to the monetary fund. Can be saved and taken, and the income is stable.
(b) Fund management
Jingdong Finance also sells many funds on a commission basis, and investors can choose suitable funds according to their own needs.
(3) Regular financial management
Jingdong Finance also consigned some wealth management products of banks, brokers and insurance companies to provide investors with multiple security guarantees.
(4)JD.COM Gold
JD.COM Gold is an Internet gold business jointly developed by JD Finance and Minsheng Bank, which provides physical gold, gold accumulation and other products.
(5) stabilizing selection
Jingdong Finance itself has some stable wealth management products, including JD.COM Xiaojinbao in the stable selection, regular profit in JD.COM excellent products in the stable selection and other stable products.
(6) High-end financial management
The threshold of high-end wealth management products is very high, basically hundreds of thousands of millions of thresholds, similar to trust private equity products.
Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value of assets, thus accelerating the growth of assets.
First, the guarantee institution guarantees the transaction mode, which is also the safest P2P mode.
As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors. The advantage of this model is that it can ensure the safety of investors' funds and is jointly guaranteed by large domestic guarantee institutions. In case of bad debts, the guarantee institution will transfer the principal and interest to the investor's account in time the next day after the repayment is delayed.
The second is the model of "the transfer mode of creditor's rights contract under P2P platform".
It can be called "many-to-many" mode. The loan demand and investment are dispersed, and even the person in charge lends the money to the borrower as the largest creditor, and then obtains the creditor's rights for division, and transfers the creditor's rights to other investors through the form of creditor's rights transfer, thus obtaining the loan funds.
Third, the Internet service platform launched by large financial groups.
The business model is more financial and professional. It has industry-leading risk management and control capabilities and an advanced and secure Internet platform. Combined with decades of comprehensive experience in finance, e-commerce and services, through scientific, rigorous, safe and efficient business processes, we provide the most professional financial information services such as fund allocation consultation, fund matching and risk control for financial investors across the country.