According to the comprehensive evaluation of everyone's personal information, everyone's consumption record, loan record and credit information are different, so there will be different loan interest rates.
JD.COM Gold Bar Loan is supported by stages 1, 3, 6, 12. The period of 1 is 1 month, and the longest period of 12 is 12 month.
Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
2065438+In July 2007, based on the cooperation with UnionPay "China UnionPay Express", Jingdong Payment launched an innovative NFC product-JD.COM Flash Payment.
2065438+August 2007, United Industrial Bank launched the first debit card with Internet gene in China, providing cardholders with integrated financial services such as savings, wealth management and consumption.
2065438+In February 2008, JD Finance established the Urban Computing Division.
2065438+In April 2008, Xiong 'an Haiyi Zhan Tong Information Technology Co., Ltd., a subsidiary of Jingdong Finance, signed a strategic cooperation agreement with Hebei Xiong 'an Sub-branch of Industrial and Commercial Bank of China.
2065438+On July 12, 2008, JD Finance announced that it had recently signed a binding capital increase agreement plan with investors such as CICC Capital, BOC Investment, CITIC Construction Investment and CITIC Capital, with a financing amount of about 654.38+03 billion yuan and a post-investment valuation of about 654.38+03 billion yuan. According to the usual closing conditions, this round of financing is expected to be completed in the third quarter of 20 18.
2065438+In July 2008, Jingdong Finance officially entered the robot industry and released the first intelligent robot product-Jingdong Intelligent Inspection Robot.
2018165438+1On October 20th, Jingdong Financial Brand was upgraded to JD.COM Digital Technology. JD.COM Digital Technology has become the parent brand of the whole company, and Jingdong Finance is a sub-brand of JD.COM Digital Technology Group.
20 18 in June, the case of big data risk control technology was selected in World Development Report 20 19 of the World Bank.
2065438+August 2008, the first Internet consumer finance ABN bond pass was issued, which was introduced to international investors for the first time and was rated as "A+" by Fitch, one of the three major international rating agencies.
2065438+In September 2009, the financial technology subsidiary of Thailand, which was jointly established with Thailand Shangtai Group, officially launched the electronic wallet Dolfin, which is the first electronic wallet in Thailand to support the whole process of EKYC (Electronic Know Your Customer).
In February 2020, the self-developed multi-modal face detection algorithm officially passed the technical certification of the National Financial IC Card Security Testing Center-Bank Card Testing Center (BCTC), reaching the national certified financial payment level security standard. After BCTC detection, the correct recognition rate of the self-developed multimodal face detection algorithm reaches 99.8%.
On June 18, 2020, Jingdong Financial App set up an interest-free venue with a maximum of 24 sessions.
On June 7, 2022, 65438+, the online and offline scenes of Jingdong Financial App have been connected to the digital RMB acceptance function.