It's JD. COM's financial safe?
Background analysis: At present, JD Finance is an independent platform and left JD.COM Group as early as 20 13 and 10. But this only means that JD.COM Group does not interfere and interfere in its business, while JD.COM. The brand influence of COM still affects JD Finance. Users in JD.COM can log in to JD Finance directly with their accounts, so JD Finance does have various business cooperation with JD.COM, which also proves the reliability of the platform.
Product analysis: The wealth management products in Jingdong Finance mainly include Jingdong small treasury, funds, bank selection, stocks, gold and so on. These products are all regular products that are allowed to be listed through the supervision of regulatory agencies. However, as an information display platform, JD Finance itself will conduct a series of inspections on products before launching them. Therefore, there is no doubt about the regularity of the wealth management products launched by JD Finance. As for the risk of financial management, it is inherent in the product itself.
Platform capability analysis: There has never been any overdue payment of wealth management products since Jingdong Finance went online. And low-risk wealth management products such as money funds have never suffered losses. Even the recent Liu incident has not had any impact on Jingdong Finance. Some netizens are worried that the platform may encounter a run like P2P, but the Jingdong financial platform itself does not carry out financing, and there will be no capital chain break.
Advantages of JD. Financial management of COM
1, most products are bank deposits, and you can enjoy the guarantee of 500,000 deposit insurance funds;
2. Some bank deposit products can be taken with the deposit, which is not limited by working days and bears interest on the same day. T+0 cash withdrawal has no limit of 6,543,800 yuan;
3. Some products carry interest step by step, and the highest rate of return can reach 5.45%, which exceeds the general bank wealth management products.
JD.COM is a comprehensive online retailer in China and one of the most popular and influential e-commerce websites in China. Sales of household appliances, digital communications, computers, home department stores, clothing, maternal and child, books, food, online travel and other 12 categories of tens of thousands of high-quality goods. JD.COM occupied 49% of China's self-operated B2C market in 20 12, and continued to expand its advantages in China's e-commerce market with its entire supply chain. JD.COM has established six logistics centers in North China, East China, South China, Southwest China, Central China and Northeast China, and established core city distribution stations in more than 360 cities across the country.