In our country, any finance needs to be licensed, and the wealth management products in JD Finance are also operated in compliance under supervision, so JD Finance's wealth management is safe. The fund products in JD Finance are all products sold by other fund companies, and there is no fund issued by JD.COM himself. Yu 'ebao is docked with Tian Hong Yu 'ebao, the self-owned monetary fund of Ant Financial, and the two monetary funds docked with Jingdong Financial Treasury are Jiashi Live Wallet and Penghua Tianlibao, both products of other fund companies. There is a simple reason. Jingdong Finance holds a fund sales license through its subsidiary Kenteri, which can only be sold on a commission basis, but Ant Financial has a Public Offering of Fund license and a commission license. Most of the small white selections of Jingdong Finance are brokerage wealth management and old-age security products. Brokerage financing is a geometric asset management plan product launched by securities companies approved by China Securities Regulatory Commission. The risk of the investment object is relatively low, but the principal and income are not guaranteed. The risk of old-age security products is also low, and the principal and income are not guaranteed. Financial management is risky. Jingdong Finance has no capital security risk, but there is a risk of asset value shrinking. Be careful to choose financial products that meet your risk tolerance.