An important "hub" in Jingdong Finance
Today, JD.com slush fund has become one of the first choices for liquidity management of financial users in JD.com. From the perspective of core functions, JD.com's small treasury is convenient to trade, and it can directly pay for goods in JD.COM Mall. As long as other platforms can support all kinds of online and offline consumption scenarios, including living payment and telephone recharge, they can choose JD.com Small Treasury to pay directly.
In terms of wealth management income, JD.COM's own income is relatively high. In the case that the aggregate income of baby balance wealth management products dives, the annual income of JD.COM can still reach 3.6% in the longest seven days. In addition to Yu 'ebao's wealth management, if there is a higher-yield investment demand, funds, insurance, futures and other investments in Jingdong's financial system can be directly purchased with small treasury, and you can also enjoy certain purchase discounts. It is also convenient to deposit and withdraw money. Jingdong small treasury supports a large amount of funds and has a high withdrawal amount, with a maximum of 1, yuan.
in the credit scenario, JD.com vault can repay JD.COM IOUs, JD.COM gold bars and other products, open the credit repayment platform in JD.COM system, and set up JD.com vault to realize "automatic repayment" and avoid the worries of overdue repayment. Jingdong small vault can also be used to pay back bank credit cards. It is worth mentioning that every month, there are various "random reduction" preferential activities, whether it is to return the card through the small vault or gold bars or white bars, which is convenient and saves money.
as a carrier of JD.COM. JD.com Small Treasury has opened up various consumption scenarios in JD.COM and JD.COM. Is the integration of JD.COM. COM payment link, it has a very critical "hub" significance between merchants and platforms. In addition, as long as the digital gold card is opened, JD.com Treasury can directly open Alipay and WeChat payment, and realize the consumption of more scenes. It's also easy to give out red envelopes, which makes the coffers more flexible and convenient, so they are deeply loved by the people.
National Ecological "Small Treasury"
Recently, based on the huge audience recognition and frequency of use, JD.com Small Treasury, Yu 'ebao relying on Alipay, and WeChat Coin Pass were known as "National Three Wallets". The ecology behind Jingdong Xiaojinku and the other two products has irreplaceable national attributes and is the undisputed head-level ecology in their respective fields.
From 213 to the present, with the gradual development of people's consumption, life and investment habits, the three national wallets have been used continuously, extending the refined demand attributes. Yu 'ebao's life is more important, and its changes are more social. Jingdong Xiaojinku has the strongest "financial" attribute. In the offline consumption scene, Alipay or WeChat is mostly used for payment, which basically presents the situation of two offline worlds, and the natural social attribute of WeChat also makes change pass bear a large part of the transfer payment of relatives and friends. In contrast, JD Finance, which has few consumption scenes and no social scenes, has created a relatively simple and closed financial trading environment, which just meets the investment preferences of many users. In order to meet the growing demand for wealth planning, they will prefer a relatively closed and professional wealth management wallet, and Jingdong Small Treasury can get through to JD.COM. COM, which is their best choice.
Based on the relatively closed ecology, it is easy for Jingdong Small Treasury to get through with various preferential activities of JD.com Platform. During the JD.COM Shopping Festival, you can use the vault to get more coupons, and the activities are very active. In addition, the communication between horizontal platforms, such as the return of white notes from the small vault and the automatic repayment of the small vault, can get a random cash back discount every time. The strength of the discount is also a major reason why many users favor Jingdong Small Treasury.
At present, the use of mobile wallets is more in line with the consumption habits of young people and Generation Z. They have been involved in the Internet for a long time, are willing to accept new things, and are willing to put pocket money in the "national wallet" backed by the national ecology. In the future, based on the rapid awakening of the younger generation of financial businessmen, JD.com Treasury, the "national wallet", will continue to give full play to its distinct financial advantages and provide more professional financial services to the general public. Related Q&A: Is Jingdong Small Treasury safe?
generally speaking, it's not bad, it's relatively safe, but the disadvantage is that the income may not be too high. Similar products are relatively high, and the wealth of the loan network is basically about 13% annualized. Related Q&A: Is Jingdong Small Treasury safe?
Safe and secure. Look at Liu Qiangdong, how nice his brothers are. His salary is 6+. He can work from 6: in the morning to 11: in the evening, and he can also take time out to eat by himself. Moreover, there is an environment that doesn't lose five-star apartment dormitories. Employees who have been working for more than five years also provide separate dormitories. The company also has a kindergarten to look after their children for free. He is also going to launch a courier service in suits and ties, and is determined to let his brothers live with dignity. The only drawback is that employees are not allowed to go to other platforms to buy things, such as Taobao. Once found, they may face the risk of being fired. Qiangdong has publicly stated that there are no fakes in JD.COM, and the fake Maotai incident some time ago is only an exception. In addition, JD.COM will surpass Taobao and become the largest e-commerce platform in 22. Can you say that such a big company is unreliable? Even if you don't believe me, you have to believe the big boss in Liu Qiangdong. He is a conscientious entrepreneur. Look at his low-key appearance every time he attends activities. Where can I find such an enterprise? Although many investors have recently lost all their money in buying wealth management products on JD.COM, those wealth management products are not officially launched by JD.COM, but only traded on the platform of JD.COM, and Jingdong Xiaojinku is the official wealth management product of JD.COM, so you can trust it completely. Therefore, you should put all your belongings into Jingdong Xiaojinku without scruple, and wish you an early realization of your goal.