Is JD.COM's loan platform formal?
Jingdong Finance is formal and reliable.
the daily interest rate of jingdong financial gold bars is .5%, and the maximum loan is 2, yuan.
jingdong financial loan is a fast application platform for internet credit products launched by jingdong finance, and financial institutions such as banks, consumer finance companies and microfinance companies provide users with convenient and fast online unsecured loans. More formal and reliable.
jingdong financial loan interest gold bars and white bars are different. It's all sleepy or credit reporting.
At present, there are many small loans that are relatively easy to apply for in the market. Online application for online lending is adopted directly, and you can borrow money entirely by personal credit without providing mortgage guarantee. For micro-loans, it is best to choose the products of formal institutions, and the borrowing period is long, which will be safer and less stressful, and will not affect your daily life and work.
I wish you peace and smooth sailing in your future life. When you encounter difficulties, you can also face them and succeed. If you have any questions you don't understand, you can continue to ask, and don't feel embarrassed or have concerns. We have always been. In reality, you can talk to me in detail about illegal infringement and things that are not satisfactory. We have always provided the most reliable judicial answers and help. Don't be afraid when you encounter difficulties. As long as you persist, the sun will always shine after the rain, and the difficulties will definitely pass. As long as you don't give up, look forward to the way out wholeheartedly.
There are 1, Hamlet in 1, people. No matter what, two identical leaves can be found in the world. Everyone has different opinions and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you! What does Jingdong Finance do?
jingdong finance
China financial business enterprise
jingdong finance is a personal financial business brand under JD.COM digital technology group, with jingdong financial App as the carrier, and has become a personal financial decision-making platform selected by many users. With platform, intelligence and content as its core competence, JD Finance, together with nearly 1, financial institutions such as banks, insurance companies and fund companies, provides users with professional and safe personal financial services. [1][2]
jingdong finance has launched nearly 1, financial products, including white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments, namely wealth management, lending and insurance. Up to now, the cumulative total scale of financial management and lending in Jingdong has exceeded one trillion. [3]
On December 2th, 22, JD Finance APP stopped adding online Internet deposit products and stopped new users from purchasing related products. Jingdong Finance
China Financial Business Enterprise
Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group. With Jingdong Financial App as the carrier, it has become a personal financial decision-making platform selected by many users. With platform, intelligence and content as its core competence, JD Finance, together with nearly 1, financial institutions such as banks, insurance companies and fund companies, provides users with professional and safe personal financial services. [1][2]
jingdong finance has launched nearly 1, financial products, including white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments, namely wealth management, lending and insurance. Up to now, the cumulative total scale of financial management and lending in Jingdong has exceeded one trillion. [3]
On December 2th, 22, JD Finance APP stopped adding online Internet deposit products and stopped new users from purchasing related products. [26]
Basic information
Chinese name
Jingdong Finance
mbth
Jingdong Finance
Company type
Finance
Industry
Finance
Organization form
Limited liability
Expand
Company management
. At present, nearly 1, financial products of nearly 1, financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. The product categories cover wealth management, lending and insurance, and are divided into four business segments. [4]
Among them, the wealth management section provides users with many star wealth management products, including small treasury, bank selection, regular selection, funds, gold and so on; The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of genuine big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-staging shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
among them, jingdong finance has also set up an official store for financial institutions-"gold shop". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently sold, and provide users with pre-purchase reference through live broadcasts, videos and articles, so that users can make personal financial decisions at a lower cost.
Intelligentization
Relying on the powerful digital technology capabilities of Jingdong Digital Branch, the parent group of Jingdong Finance, Jingdong Finance has launched solution-level products with strong applications, including intelligent risk control, intelligent customer service, intelligent investment, AI investment research and quantitative marketing, through AI technologies such as machine learning, computer vision and voice recognition, as well as a series of scientific and technological capabilities such as big data and blockchain. Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize each user's homepage interface and content push according to their daily search content and product usage habits, further reducing the user's selection time and improving decision-making efficiency; On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet users' needs, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions. Is Jingdong Finance a formal loan platform? How to apply for a loan?
JD Finance is a financial service platform owned by JD.COM. In addition to providing credit loans to users, JD Finance can also provide JD.COM IOUs and other services through wealth management and fund purchase. Let's learn about the following JD Finance loan platforms from various aspects.
1. From the platform background, the company behind JD Finance is JD.COM Group, which we know well. In 221, JD.COM ranked 59th in Fortune Global 5. In May 214, JD.COM was listed on the NASDAQ Stock Exchange. In April, 22, JD.COM was listed in Hongkong. As a listed company, its background is good.
2. Loan interest rate. The main loan product in Jingdong Finance is JD.COM Gold Bar, which mainly provides credit loans for JD.COM users. The daily loan interest rate is as low as .25%, and the average user's interest rate for applying for a loan remains at about five ten thousandths, which is a normal level in online lending.
3. Loan fees: JD.COM Gold Bar Loan will not generate additional fees such as account management fees, loan service fees and loan insurance fees except interest, and the fees are transparent.
from the above points, financial JD.COM is a formal loan platform with strong economic strength, reasonable loan interest rate and no other expenses.
how does jingdong finance apply for a loan?
1. First of all, users need to download the JD Finance APP. If they have an account in JD.COM Mall, they can directly authorize login, or register again.
2. after registration, complete the identity binding, and bind the ID card, bank card and mobile phone number to the platform.
3. Then click "Lendable Line", which is actually the authorization of JD.COM Gold Bar. Complete the authorization as required and obtain the credit line.
4. after obtaining the loan amount, click "borrow money" and fill in the relevant information, loan amount, loan term, etc. according to the platform regulations.
5. finalize the loan, and the loan will go to the designated bank card.