Jingdong Small Treasury and Jingdong Wallet

An important "hub" in Jingdong Finance

Nowadays, JD.com Small Treasury has become one of the first choices for liquidity management of financial users in JD.com. From the perspective of core functions, the transaction of Jingdong Small Treasury is convenient, and payment for goods can be made directly in JD.com Mall. As long as other platforms can support all kinds of online and offline consumption scenarios, including living payment and telephone recharge, they can choose JD.com Small Treasury to pay directly.

In terms of financial income, JD.COM. COM itself has a relatively high income. In the case that the total income of baby balance wealth management products has plunged, the annual income of JD.COM can still reach 3.0060% in the longest seven days. In addition to Yu 'ebao's wealth management, if there is a higher-yield investment demand, funds, insurance, futures and other investments in Jingdong's financial system can be directly purchased with small treasury, and you can also enjoy certain purchase discounts. It is also convenient to deposit and withdraw money. Jingdong small treasury supports a large amount of funds, and the withdrawal amount is high, with a maximum of 65438+ 10,000 yuan.

In the credit scenario, JD.com Treasury can repay JD.COM IOUs, JD.COM gold bars and other products, open the credit repayment platform in JD.COM system, and set up JD.com Treasury to realize "automatic repayment" and avoid the worries of overdue repayment. Jingdong small vault can also be used to pay back bank credit cards. It is worth mentioning that every month, there are various "random reduction" preferential activities, whether it is through the small vault to return the card or gold bars and white bars, which is convenient and saves money.

As a carrier of JD.COM. JD.com's slush fund has opened up a variety of consumption scenarios in JD.COM and JD.COM. Is the fusion of JD.COM. COM payment link, it has a very critical "hub" significance between merchants and platforms. In addition, as long as the digital gold card is opened, JD.com Treasury can directly open Alipay and WeChat payment to realize the consumption of more scenes. It is also easy to give out red envelopes, which makes the coffers more flexible and convenient, so they are deeply loved by the people.

National ecological "small treasury"

Recently, based on the huge audience awareness and frequency of use, JD.com Xiaojinku, Yu 'ebao relying on Alipay, and WeChat Bitong are known as "three national wallets". The ecology behind Jingdong Xiaojinku and the other two products has irreplaceable national attributes and is the undisputed head-level ecology in their respective fields.

From 20 13 to now, with the gradual development of people's consumption, life and investment habits, the three national wallets have been continuously used, extending the refined demand attributes. The life of Yu 'ebao is more important, and its changes are more social. Jingdong Xiaojinku has the strongest "financial" attribute. In the offline consumption scene, Alipay or WeChat is mostly used for payment, which basically presents the situation of two offline worlds, and the natural social attribute of WeChat also makes change pass bear a large part of the transfer payment of relatives and friends. In contrast, JD Finance, which has few consumption scenes and no social scenes, has created a relatively simple and closed financial trading environment, which just meets the investment preferences of many users. In order to meet the growing demand for wealth planning, they will prefer a relatively closed and professional wealth management wallet, and Jingdong Small Treasury can get through to JD.COM. This is their best choice.

Based on the relatively closed ecology, it is easy for Jingdong Small Treasury to get through with various preferential activities of JD.com Platform. During the JD.COM Shopping Festival, you can use the vault to get more coupons, and the activities are very active. In addition, the communication between horizontal platforms, such as the return of white bars from small coffers and the automatic repayment of small coffers, can get random cash back discount every time. The strength of the discount is also a major reason why many users favor Jingdong Small Treasury.

At present, the use of mobile wallets is more in line with the consumption habits of young people and Generation Z. They have been involved in the Internet for a long time, are willing to accept new things, and are willing to put pocket money in the "national wallet" backed by the national ecology. In the future, based on the rapid awakening of the younger generation of financial businessmen, JD.com Treasury, the "national wallet", will continue to give full play to its distinct financial advantages and provide more professional financial services to the general public.

Related Q&A: Is Jingdong Small Treasury safe? Generally speaking, it is not bad and relatively safe. The disadvantage is that the income may not be too high. Similar products are relatively high, and the wealth of the loan network is basically annualized at around 13%.

Related Q&A: Is Jingdong Small Treasury safe? Safe and secure. Look at Liu, how nice his brothers are. They earn 6000+, work from 6: 00 in the morning to 1 1 in the evening, and still find time to eat by themselves. Moreover, there are five-star apartment dormitories in the environment, and employees who have worked for more than five years also provide separate dormitories. The company also has a kindergarten to look after children for free, and is ready to launch a suit and tie courier service, determined to let my brothers live with dignity. The only drawback is that employees are not allowed to go shopping on other platforms, such as Taobao. Once discovered, they may face the risk of being fired. There are no fakes in JD.COM, and the fake Maotai incident some time ago is just an exception. In addition, JD.COM will surpass Taobao and become the largest e-commerce platform in 2020. Can you say that such a big company is unreliable? Even if you don't believe me, you have to believe Liu, the big boss. He is a conscientious entrepreneur. Look at the way he keeps a low profile every time he attends an event. Where can I find such a business? Although many investors have recently lost all their money in buying wealth management products on JD.COM, those wealth management products are not officially launched by JD.COM, but are only traded on the platform of JD.COM, and Jingdong Xiaojinku is the official wealth management product of JD.COM, so it can be trusted completely. Therefore, you should put all your belongings into the small vault of Jingdong without any scruples. I wish you an early realization of your goal.