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Is Jingdong Shengji’s small loan legal?

Formal. According to relevant public information, Jingdong Shengji Microfinance has registered a trademark and has been certified by the industrial and commercial department. It has a legal business license and the company is currently in business. Chongqing Jingdong Shengji Small Loan Co., Ltd. (formerly known as: Chongqing Liangjiang New District Shengji Small Loan Co., Ltd.) was established in 2016 and is located in Chongqing. It is an enterprise mainly engaged in business services. The registered capital of the enterprise is RMB 5.5 million, and the paid-in capital is RMB 5 million.