Do I need permission to get a loan from JD Finance?

You don't need to open the permission to directly arrive at the account. Jingdong Finance is the personal financial business brand of JD.COM Digital Technology Group, and has become the personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competitiveness, and cooperates with nearly 1000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.

core competence

1. Platformization: Jingdong Finance has a fund consignment license, an insurance brokerage license and an insurance agency license. Is a licensed fund and insurance product consignment platform. At present, nearly 10000 kinds of financial products of nearly 10000 financial institutions have been sold on Jingdong Financial Platform, which has really created a professional and safe "personal financial decision-making platform" for users. Product types cover four business segments: wealth management, lending, insurance and installment. Among them, the financial sector provides users with many star wealth management products, including small government bonds, bank selection, regular selection, funds, gold and so on; The lending section provides users with personal financial services such as consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint white cards and gold bars; The staging section provides users with a large number of authentic brand-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, transportation insurance, extension insurance and other insurance and related security services, and can recommend insurance products to users according to their actual needs.

2. Intelligentization: Relying on the powerful digital technology capabilities of JD.COM Digital Technology, the parent group of JD Finance, JD Finance has launched solution-level products with high applicability, including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing. Through artificial intelligence technologies such as machine learning, computer vision and speech recognition, as well as 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 users' needs. Choose time to improve decision-making efficiency; On the other hand, JD Finance also relies on its own core technical capabilities to cooperate with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide reasonable and scientific suggestions for personal financial decision-making. .

3. Content-oriented: Based on the accumulation of high-quality resources in the financial field for many years, JD Finance creatively built a peanut community with investment education as the core, and opened interactive content forms such as pictures, texts, short videos and questions and answers. ; A. The live broadcast circle invited 500 financial tycoons, including economists, fund managers, investment managers, financial analysts, actuaries and pan-financial KOL, to settle in the community. The sharing contents included pan-financial information, financial product analysis, insurance product evaluation, personal investment experience sharing, financial and business education, etc.