The significance of saving money into the small vault of Jingdong to open IOUs is that customers can try IOUs first, thus stimulating consumption.
After that, if customers accumulate more good credit, they can officially upgrade to ordinary IOUs. Also, the locked funds deposited in the small vault can enjoy certain benefits.
As a new way to activate IOUs, the ratio of the amount deposited in the small vault to IOUs is 1: 1. Customers need to deposit funds ranging from 100 yuan to 30,000 yuan in Jingdong Small Treasury through Jingdong Finance before they can write IOUs.
Extended data:
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment", and has quickly become an industry model, laying the position of the leading brand of Jingdong Financial Consumer Finance Industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data.
Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
JD.COM Baitiao is the first Internet consumer finance product in the industry.
"Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments.
Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.
Why do you want to save a small vault when the white bar is activated?
Opening a white note does not mean that you can open it after losing your identity information. Explain that opening a white note in a small vault requires you to save money in a small vault, which is equivalent to the appearance of a deposit. The money deposited can generate interest every day and can also be withdrawn directly. For example, if you are in 500 yuan, you have a limit of 500 IOUs, and the limit of your deposit 1000 is 1 000, which is relative. If you want to take out the money inside, you need to return the loan to take it out.
You can also write a white note without saving money into the Jingdong small vault.
Because only customers need to be between 18 and 55 years old; Is a member of Jingdong and a resident of Chinese mainland; The account has completed the real-name authentication, the account status is normal, and it has not been appealed; Personal credit is good, and if Xiaobai's credit score is 80 or above, you can directly log in to Jingdong Financial APP to open a white note (only one white note account can be activated with the same ID card and mobile phone number).
In fact, the method of storing IOUs in Jingdong Small Treasury is mainly provided by the system to customers with general credit. Because the credit is average, I haven't got the IOU for the time being, but the system hasn't directly abandoned the potential customers, so this method is provided.
In this regard, when a customer transfers a sum of money to the small vault, JD.COM will provide the corresponding amount (the ratio is 1: 1, and a white note can be issued when it is deposited in 100 to about 30,000 yuan). In addition to saving money in Jingdong Small Treasury to write IOUs, the system also supports the purchase of wealth management products to write IOUs.
Jingdong financial platform and the first batch of "small treasury" internet wealth management products were officially launched, thus joining the "baby" melee of Ali, Tencent and Baidu. The first batch of "small coffers" in JD.COM include two money fund products, namely "living wallet" of harvest fund and "value-added treasure" of Penghua Fund. Users need to use JD.COM account to make purchases through online banking wallet.
On the first day of launch, the 7-day annualized income of the value-added treasure of the small vault and the live wallet were 5.683% and 5.578%, respectively, both exceeding the 5.472% of the balance treasure in WeChat Licaitong and the 5.444% of Huaxia Fund Caifubao, but lower than the 5.885% of Huitianfu Fund Quanbao just launched by WeChat Licaitong.
Liu Changhong, general manager of Jingdong Financial Capital Business Department, said that the vault is a personal asset value-added service provided by Jingdong Finance, and it can meet many needs of users except financial management by docking with JD.COM Ecological Circle. For example, users can seamlessly integrate into the consumption ecology of JD.COM after purchasing a small vault. The funds in the small vault can not only be used for shopping and consumption in JD.COM Mall at any time, but also be directly used for settlement of JD.COM IOUs bills and credit card repayment in the future. '
What is the significance of opening a white note in Jingdong Small Treasury?
Significance: opening a white note in the small vault is a new way to activate the white note. You can deposit 1 into the vault through Jingdong Finance and try to activate the IOU. If it is successfully opened, the ratio of the amount deposited in the small vault to the IOUs is 1: 1. The funds deposited in the small vault are temporarily frozen by issuing a white note through the small vault, but will continue to generate income from the small vault.
The following is the introduction of JD.COM White Strip:
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
For the above information, please refer to Baidu Encyclopedia-JD.COM White Strip.
What does JD.COM mean by writing a white note in the small vault? Is this a good deal?
Jingdong small vault is a money fund product of Jingdong Finance. The money deposited in the small vault can not only enjoy the expected income of the money fund, but also allow users to write IOUs. So what does it mean to write a white note in JD.COM? COM's coffers? Is it cost-effective to open a white note in the small vault?
1. What does it mean to open a white note in JD? COM's coffers?
1. What is Xiaojin Village in JD.COM?
In fact, the money that users deposit in the vault is the money fund. By default, new users deposit in the vault to purchase China Life Insurance-Zengjinbao Monetary Fund.
However, the funds in the small vault can also be paid and used at any time, including purchasing wealth management products, funds, gold, and writing and returning IOUs.
2. What is JD.COM White Strip?
White stripes are a payment method in JD.COM, similar to Alipay flowers. However, the usage scenarios of white stripes in JD.COM are different, and they are mainly supported in JD.COM. COM, Store 1 and other places.
JD.COM White Bar, like Flower Bar, users can't apply voluntarily, and the system decides whether to activate it according to the user's credit.
Write a white note in JD.COM. COM's vault is a way for JD.COM to activate IOUs for users. Users can get the opportunity to apply for IOUs by depositing certain funds into their own small vault accounts.
The amount of funds deposited should be the same as the amount of IOUs, that is, when the amount of IOUs is 1 000 yuan, the amount of small deposits should not be less than 1 000 yuan.
However, saving money in the small vault can only get the opportunity to activate the white note, and whether it can be activated successfully in the end still needs to wait for the system to review, that is to say, when the system judges that the user's credit is not high, even if the small vault saves money, it cannot open the white note.
Second, is it cost-effective to write IOUs in JD.COM? COM's coffers?
When the IOU is opened, the amount deposited in the small vault will be temporarily frozen. From the perspective of overdraft consumption, the advantage of opening a white note in the small vault is not outstanding, because the amount of overdraft means the amount that must be deposited in the small vault.
However, although the frozen funds cannot be used, it does not affect the expected income of the Monetary Fund. Its function is similar to Alipay reserve fund, which can borrow money for a short time and obtain the expected income of small investment.
What does it mean to write an IOU in JD.COM? COM's coffers? I hope it helps you. Warm reminder, financial management is risky and investment needs to be cautious.