; ? Jingdong Xiaojinku is a wealth management product of Jingdong Finance. Many investors are curious about the use of opening a small vault in Jingdong. In fact, Jingdong Small Treasury is similar to Yu 'ebao, and has many functions such as financial management and payment. Then let's understand the role of opening a small vault in Jingdong.
1, expected return of money fund
The funds deposited by the user in Jingdong Small Treasury are the same as those deposited in Yu 'ebao, and in fact, they bought a money fund product.
There are many money fund products docked in Xiaojin Village, JD.COM, including China Life-Zengjinbao, Nanfang-Wealth Management Fund A, Harvest Live Wallet, etc. China Life Insurance-Zengjinbao is the default choice for new user deposits.
The calculation method of JD.COM Xiaojin Village's expected income is similar to that of other monetary funds. The calculation formula is: expected return = small treasury share/10000* expected return per 10,000 shares on that day. If investors deposit 654.38+00000 yuan, the average expected daily income is about 654.38+00000 yuan.
2. Payment and use
The funds deposited in the small vault support payment in JD.COM Mall, and can also be used for purchasing wealth management products, credit card repayment, mobile phone recharge, living payment, etc.
3. Open the JD.COM White Strip.
Users can open a small vault in JD.COM, and deposit a certain amount, that is, they have the opportunity to apply for a JD.COM IOUs, and they can also return IOUs. However, after opening an account through the small vault, the funds in the small vault will be temporarily frozen.
4. Free handling fee for cash withdrawal
Whether it's saving money, paying fees or withdrawing cash, Jingdong Small Treasury doesn't charge fees. The funds quickly transferred from the savings card can only be extracted from the original savings card, and other funds from the small vault will be preferentially extracted from the first savings card.
1 0,000 yuan for fast transfer will arrive within 2 hours, and t+1 0/for ordinary transfer exceeding/kloc-0.
What's the use of opening a small vault in JD.COM? I hope it helps you. Warm reminder, financial management is risky and investment needs to be cautious.
Why do IOUs need to be put in the small vault?
The significance of saving money into the small vault of Jingdong to open IOUs is that customers can try IOUs first, thus stimulating consumption.
After that, if customers accumulate more good credit, they can officially upgrade to ordinary IOUs. Also, the locked funds deposited in the small vault can enjoy certain benefits.
As a new way to activate IOUs, the ratio of the amount deposited in the small vault to IOUs is 1: 1. Customers need to deposit funds ranging from 100 yuan to 30,000 yuan in Jingdong Small Treasury through Jingdong Finance before they can write IOUs.
Extended data:
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data.
Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
JD.COM Baitiao is the first Internet consumer finance product in the industry.
"Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments.
Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.
Do you want to open a small vault in Jingdong?
Whether to open a small vault in JD.COM depends on whether there is demand from investors. Jingdong Small Treasury is an asset appreciation service created by Jingdong Finance for individual users. There is no charge for the opening, transfer-in, transfer-out, consumption and repayment of the small treasury; If investors don't use it after opening, there is no cost.
The money deposited in the small vault can not only buy regular wealth management products, funds, gold and other wealth management products, but also get income from spending in JD.COM Mall, returning white bars/gold bars, regular repayment, credit card repayment, mobile phone recharge, living payment and so on. However, entering the market is risky and needs to be cautious. Any investment has certain risks. Therefore, when the market performance is not good, JD.COM's coffers also have certain risks, so we need to be cautious when investing.
Introduction of Jingdong Xiaojinku
The "small vault" is based on the online banking wallet and is the carrier of JD.COM. COM account system. Its purpose is to integrate the shopping payment, fund management, consumer credit and investment and financial management needs of JD.COM users. The "Small Treasury" will first serve more than 6,543.8 billion users in JD.COM, and pay close attention to JD.COM. Do your own thing.
As a carrier of JD.COM. COM account system, the launch of' small treasury' is the integration of JD.COM in the payment link. JD.COM users' shopping payment, fund management, consumer credit, investment and financial management will all be integrated in the "small treasury", while from e-commerce to finance, JD.COM. Therefore, the personal account system of COM will form a complete closed loop.
What is Jingdong Financial Vault?
Jingdong small treasury is a personal asset value-added service of Jingdong Finance. Jingdong small vault is divided into two accounts. Among them, in addition to purchasing wealth management products, the pocket money account of Jingdong Xiaojinku can also be used for consumption, regular repayment, credit card repayment and mobile phone recharge. The wealth management account of Jingdong Xiaojinku is an exclusive user of wealth management and can only be used to purchase wealth management products or repay IOUs loans.
JD.COM(JD. com), a self-operated e-commerce enterprise in China, was founded by Liu in Zhongguancun on June 1998, and is a Fortune Global 500 enterprise.
JD.COM owns JD.COM Mall, JD Finance, Paipai.com, JD Smart, O2O and overseas business department. In 20 13, virtual operator license was officially obtained. 20/kloc-listed on Nasdaq stock exchange in may/April (stock code: JD). It was listed in Hongkong, China on June 8, 2020 (stock code: 96 18).
In March, 2022, JD.COM released the 20021annual financial report. The financial report shows that the net income in 20021year reached 951600 million yuan (about149.3 billion US dollars), a year-on-year increase of 27.6%. 202 1 The net loss attributable to ordinary shareholders is 3.6 billion yuan, and it will be 49.4 billion yuan in 2020; In 20021year, the net profit attributable to ordinary shareholders was 65.438+072 billion yuan, and in 2020 it was 65.438+068 billion yuan.
JD.COM is a China e-commerce company headquartered in Beijing. It is one of the two largest B2C online retailers in China in terms of transaction volume and revenue, and also one of Fortune Global 500 companies.
The company was founded by Liu on July 2004 1998, and its retail platform was launched in 2004. It started as an online magneto-optical store, but soon diversified, selling electronic products, mobile phones, computers and similar products. The company changed its domain name to 360buy.com in June 2007, and then changed it to JD.COM on 20 13. At the same time, JD.com announced its new logo and mascot.
JD.COM is the world's leading delivery company for UAV automation technology, robotics and artificial intelligence, with the largest UAV delivery system, infrastructure and capabilities in the world. It has recently started testing robot delivery services, making drones to deliver goods to airports, and operating unmanned delivery by launching the first automatic truck.
scope of business
Online sales: digital products such as computers and mobile phones, household appliances, auto parts, clothing, shoes and hats, luxury goods, household and household products, cosmetics and other personal care products, food and nutrition products, books and other media products, maternal and child products and toys, sports and fitness equipment and virtual goods. *** 13 categories of goods 31.5000 SKU.