The consumer finance business that needs manual approval has no credit, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.
With the more accurate modeling of big data, the probability of user "white bar" activation will also increase. At present, JD.COM Consumer Finance has completed the credit score of nearly 200 million users.
Regarding the withdrawal of IOUs, you can receive the withdrawal gift package regularly, and you can also get the withdrawal reward as long as you can keep a good record of consumption repayment.
Extended data:
1, 20 16 In March, JD Finance launched the first cash loan product-JD.COM Gold Bar, which is a tailor-made cash loan service for IOUs with good credit and an extension of IOUs credit in the cash consumption scenario.
2. The "White Strip" also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education and wedding. , extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
References:
Baidu Encyclopedia-JD.COM Baitiao