At present, JD Finance provides comprehensive financial services, among which asset management service is an important business segment of JD Finance. So, is JD Finance's asset management reliable? From the analysis of the following three aspects, we can see that the financial asset management of Jingdong is unreliable.

Is the financial asset management of Jingdong reliable?

1. Analysis of platform background

Jingdong Finance is now an independent platform, and it left JD.COM Group in October 213. However, JD.COM Group only said that it would not get involved in its business, and JD.COM's brand influence still affects Jingdong Finance. Users in JD.COM can log in to Jingdong Finance directly with their accounts, so Jingdong Finance does have many business cooperation with JD.COM. It is proved that this platform is reliable.

2. Analysis of platform products < P > The wealth management products in Jingdong Finance mainly include Jingdong small treasury, funds, bank selection, stocks, gold, etc. These products are all regular products that are supervised by regulatory agencies and allowed to be listed. As an information display platform, Jingdong Finance itself conducts a series of inspections on products before online products, and there is no doubt about the regularity of online asset management products of Jingdong Finance. The risk of asset management belongs to the product itself.

3. Analysis of platform capability

Since Jingdong Finance went online, the payment of asset management products has never been overdue, and the low-risk asset management products such as money funds have never been in deficit. The Liu Qiangdong incident a few days ago has no impact on Jingdong Finance. Some netizens are worried that the platform may be washed away like P2P, but the Jingdong Financial Platform itself has not been financed and the capital chain has not been broken.

Generally speaking, The asset management of JD Finance is reliable. Compared with Alipay, JD Finance's weakness is that it does not have the convenient payment function of Alipay. However, from the analysis of asset management function, JD Finance is indeed a very good asset management platform.