What is JD? COM's "white stripe strategy"?

JD。 COM began to occupy the financial sector, while JD.COM. The white stripes of COM are exciting. JD.COM put forward "three strategies of consumer finance": going out of JD.COM, moving strategy and increasing users. Now that half a year has passed, JD Finance has resumed the three major strategies, and the financial scenarios of JD Finance have expanded to eight categories. In addition to white products such as JD.COM White Strip, Campus White Strip, Tourism White Strip, Lease White Strip and Down Payment White Strip, it has also been extended to rural finance, JD.COM Gold Mining and JD.COM Iron and Steel.

Simply put, it is to expand the consumer finance business to universities, rural areas, tourism, corporate procurement, renting houses, selling houses and other fields outside the mall platform, and try to cover more users.

Campus white stripes will become an important part of JD. COM, the future development plan includes providing student loans for college students and providing them with better learning conditions; Help campus entrepreneurship and campus recruitment.

In the field of tourism white stripes, the staging model is not uncommon. Many travel agencies offer installment payment and credit card installment payment. In Jingdong Finance, all travel applications have been launched, and the pass rate of travel white bars to users exceeds 95%. Users can travel only by paying one tenth of the product price, and will repay the expenses in installments within the next 65,438+00 months.

The definition of tourist white stripes is "young people leave when they say they leave". 30% users are young people under 25 years old, and 45% users are between 26 and 30 years old.

Rent a house white note that the official "rental by installment" in April this year is the concept of monthly payment. Jingdong Finance helps young users to pay the annual rent to the leasing agency in advance, and users only need to pay the monthly rent. "Among the users who rent houses in big cities, 60% are post-90 s. Now, more than 80% of the institutions we cooperate with, such as Chain Home, choose the monthly payment model." Xu Ling introduced.

Down payment, cooperation with ocean real estate in June this year. "When buying a house, it is difficult to cope with bank loans. Bank loans can be up to 70%, and the remaining 30% is down payment. The down payment is completed in installments. Users purchase all real estate projects of Ocean Shipping through down payment, and Jingdong Finance provides discount service within 6 months.

The experience of copying IOUs accumulated by JD.COM Gold Mining Company includes two different services: account period and installment.

First of all, especially large enterprises, such as central enterprises, need not loan instruments, but accounting services within the scope of payment and settlement, because purchase may happen every day, but settlement may only happen once a month. JD.COM gold mining industry has reduced the operating cost of enterprise financial settlement.

Second, some small and medium-sized enterprises and start-ups

"I just took one or two million dollars from an angel and hired ten engineers. Everyone must have an iMac and eat the financing at once. That is the reality. Therefore, these enterprises can provide enterprise-level services, so we provide JD.COM Jincai products to help these small and medium-sized enterprises develop. They can also write IOUs or do installment services at the beginning of their business. " Xu Ling introduced.

Rural finance serves the rural logistics distribution system and has established distribution points in 1900 districts and counties.