JD.com vault is launched based on online banking wallet, the carrier of JD.COM account system, with the purpose of integrating the shopping payment, fund management, consumer credit and investment asset management needs of JD.COM users. Regarding the security of JD.com vault, many people want to know, is JD.com vault risky?

jingdong vault is a monetary fund based on online banking wallet, the carrier of JD.COM account system, combined with Jiashi Live Wallet. Its purpose is to integrate the shopping payment, fund management, consumer credit and investment asset management needs of JD.COM users.

The risk of jingdong vault is generally low. However, risks still exist, mainly from the following three aspects:

unstable income: the small vault does not have a relatively stable annual income of about 13% like the loan to collect treasures, because the small vault is a money fund, and the income is not certain. If the money market does not perform well, the income of the money fund will also decline. Take the surplus treasure as an example, the high-time income is above 6 points. The income is below 5 points, mainly because their income comes from the money fund market.

Competitive risk: the surplus treasure business threatens the interests of traditional banks. Therefore, the traditional banks represented by ICBC Agricultural Bank have successively reduced the export of surplus treasure. The former president of ICBC exploded because of the use of surplus treasure, and repeatedly made clear the relationship with surplus treasure in public, claiming that he was only a user of Alipay and did not use surplus treasure. This shows the competitive relationship between surplus treasure and traditional banking business. Jingdong The other is

the risk of policy supervision: at present, there is no clear regulation on whether the surplus treasure or the payment channel of Jingdong small treasury can directly purchase funds and use fund companies to realize fund sales. In fact, it is legal to scratch the ball and there are potential policy risks at any time.

How did Jingdong small treasury emerge?

Bank cards transferred from Jingdong Small Vault can be divided into quick transfer and ordinary transfer. Among them, the single limit for quick transfer is 5,, and the single limit is 15, per day. It is expected to arrive within 2 hours, and the maximum limit for single transfer is 5 times per day. Generally, the single limit is 1 million, and there is no limit on the number of times per day.

Jingdong Small Vault transfers to Jingdong Wallet for real-time collection. The single limit is 5,, the single limit is 5 times, the single limit is 15,, and