The main body of Jingdong financial license is online small loan, third-party payment, fund sales and insurance license, which was obtained in 20 13. According to public information, JD Finance was spun off from JD.COM Group in June 20 13 and operated independently, and then obtained a license. Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform.