Is the third-party dunning of JD Finance legal?

Legal, if it is not a violent dunning method, it is legal to remind users to repay in time within the scope permitted by law. JD.COM will collect accounts payable from users by letter, SMS, email, telephone, door-to-door or judicial channels.

Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.

Among them, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.

Among them, JD Finance has also set up the official store of financial institutions-"Gold Store". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost.

Relying on the powerful digital technology capabilities of JD.COM Digital Branch, the parent group of JD Finance, JD Finance has launched highly applied solution-level products including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing through AI technologies such as machine learning, computer vision, voice recognition, and a series of scientific and technological capabilities such as big data and blockchain. Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize each user's homepage interface and content push according to their daily search content and product usage habits, further reducing the user's selection time and improving decision-making efficiency; On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions.