JD。 Comious (version 6.2.0) received credit information at the meeting. As one of the few non-bank financial institutions that go to the central bank for credit reporting, JD.COM Baitiao has always been controversial, and many people have shown "extreme" reactions, mostly because of the pressure of public opinion. JD.COM, white stripes are just the beginning. Before long, there will be more products with the same business. After all, because of the policy response, it is imperative to include these "foreign banks" financial platforms in credit reporting. This problem has attracted too much attention and will be optimized in the future. Moreover, the People's Bank of China has made it clear that banks cannot discriminate against customers because of their credit reports. The main problem is that the credit report should pay attention to the performance of customers, rather than which institutions have transactions with.

1.“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 random installment". It quickly became an industry model and established Jingdong Finance's position as a leading brand 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 post-use payment and installment shopping service in JD.COM Mall, which can be divided into 24 periods at most. At least the bill can be paid in installments. The implementation rate is lower than that of bank credit cards. JD.COM Consumer Finance has opened more than 654.38 billion users.

2. Since then, the "White Paper" has also opened up o2o(JD.COM Home), global shopping and product crowdfunding within the JD.COM system. Later, it gradually covered leasing, tourism, decoration, education, wedding and other fields. Extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers. JD。 COM's white-stripe service scene has been gradually extended, and it cooperates with nearly 10 million online and offline merchants, covering many industries such as life and entertainment, business travel, education and training, communication leasing and so on. In cooperation with the bank, * * * signed the electronic account "White Slip Payment", extended the white slip payment to offline through NFC technology, and further expanded the usage scenarios of white slip payment by binding WeChat payment.

3.2065438+In March 2009, according to the statistics of Judgment Document Network, more than 200 people used JD. COM white paper ". The average age of the defendant disclosed in the judgment 107 is 28 years old. College students accounted for nearly half of the defendants in the "JD.COM IOUs Fraud Case" pronounced by the "two sessions" in Changsha. The defendant's maximum sentence 19 years, with an average of 2.35 years. In addition, the number of deceived college students mentioned in the judgment exceeds 362, which has become a more prominent group among the victims.