Jingdong Finance was born in JD.COM Group and operated independently in June 20 13. Based on its strong digital technology capabilities, JD Finance is committed to providing consumers with professional and secure digital financial services, including two service systems: individuals and enterprises.
Supplementary information:
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
Extended data:
I. Use of Jingdong Finance
1. Help financial institutions to provide credit, wealth management, insurance protection, payment and other scientific and technological services.
2. JD Finance's wealth management products provide safe and high-yield services for individuals and business users.
3. The IOUs of Jingdong Finance can allow consumers to enjoy consumption in advance, thus solving the problem of shortage of funds.
2. Does JD Finance collect credit information?
Jingdong financial credit,
3. What are the consequences of Jingdong Finance's overdue?
Serious overdue will face:
1, and bear high overdue fees.
For overdue fees, different online lending platforms have different charging standards. Therefore, those who have the ability to repay on time should never be overdue.
2, undertake the platform fancy collection.
The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time. In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning, and it will face serious consequences if it is overdue. In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.
3. The credit information of China People's Bank is tainted.
In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. After the credit information is defiled, it will affect real life. You can't get a loan if you want to buy a house, and you can't get a loan if you want to buy a car.