Abstract: JD.com Loan is an important business segment of JD.com Finance. Relying on JD.com Group’s user base and technical advantages, it provides users with a wide range of loan products and professional loan services.

The advancement of Internet technology has brought earth-shaking changes to our lives.

Online shopping and mobile payment have become mainstream, and mobile finance is becoming more and more common.

In the past, offline banking and financial scenarios have shifted to online, and financial services can be conducted without leaving home.

In order to better provide services to users, JD.com launched the JD.com financial platform in a timely manner.

JD Finance can currently provide comprehensive financial services, of which loan business is an important part of JD Finance. So, are JD Finance loans reliable?

Let’s analyze it from three aspects.

Platform background JD Finance is currently an independently operated platform.

Relying on JD Group's users, technology and brand influence, JD Finance provides JD users with richer usage scenarios.

At present, the main lenders of JD loans include banks, trust institutions, licensed institutions and small loan companies. They are all formal lending platforms and are connected to the central bank's credit reference, so JD's financial loans are formal and reliable.

Product Analysis JD Finance’s two flagship products are JD Baitiao and JD Gold Bar.

JD.com’s Baitiao is similar to Ant’s Huabei, where users can consume first and pay later.

JD Gold Bar is similar to Ant Borrower. Users can borrow money and withdraw cash through JD Gold Bar.

Pure credit loans under JD Finance can also be applied for by white households. The borrower is required to be between 18 and 55 years old. The credit can only be used for consumption and cannot be withdrawn. You can enjoy an interest-free period of up to 30 days and can also apply for it.

Installment repayment supports up to 24 installments, and other terms are 3 installments, 6 installments, 12 installments, etc.

JD Gold Bar is a cash lending service tailored by JD Finance for JD Baitiao users with good credit.

You can borrow and repay at any time. The maximum repayment period is 12 months by default. It can only be operated through the JD Finance app.

So it is based on Jingdong Baitiao. Without Jingdong Baitiao, there would be no Jingdong gold bars. The borrowing interest is 0.05%.

In addition, JD.com also has Jingbaobei and Jingxiaodai, which specialize in providing credit loan services to business owners.

Jing Xiaodai is aimed at merchants who have settled on JD.com’s open platform, with a maximum limit of 5 million, which can be extended to JD.com wallet, and cash can be withdrawn to corporate accounts.

In addition, JD Finance also has a wealth of credit products for users to choose from, such as China Construction Bank Quick Loan, Bank of Nanjing-Chengyidai, Baoyin Consumer-Baonidai, China Merchants Union Haofeng Loan, and Beijing Bank Consumer Finance-Easy e-Loan

etc.

Loan situation: Jingdong's loan is by invitation only. It does not accept active opening for the time being. Customers with good credit and high activity are required to be qualified.

It is understood that many users have successfully borrowed money from JD.com.

JD Finance uses JD big data to conduct a comprehensive assessment of users' credit situations and grant credit lines to qualified users, which can better control platform risks and provide users with better services.

In addition, the comprehensive strength of the platform can also be analyzed.

In addition to lending, JD Finance also provides a variety of financial products. Since its launch, there has never been an overdue settlement, and monetary funds have never suffered losses, so the operation of JD Finance is relatively stable and safe.

Generally speaking, borrowing money from JD Finance is relatively reliable.

Alipay of Alibaba and JD Finance of JD Group are both giants in the Internet field, and both are very powerful.

Compared with Alipay, the weak point of JD Finance may be that it does not have convenient payment functions.

However, from the analysis of loan functions, JD Finance is indeed a relatively reliable platform.

The above is an introduction to JD Finance. I believe that everyone has a deeper understanding of JD Finance and can choose loan products that suit them according to their needs.