Data expansion:
"JD .COM White Bar 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 "[1][2]. It quickly became an industry model and laid the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Bar is a credit payment service provided by Big Data for users with high credit rating and consumer demand. In JD.COM Mall, users can enjoy the service of using first, paying later, and shopping by stages for up to 24 periods. Bills can also be repaid in installments, with the lowest interest rate and lower execution interest rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "IOU" has also opened up O2O(JD. COM), global purchase and product crowdfunding within the JD.COM system, and then gradually cover the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The service scene of JD.COM Baitiao has been gradually extended, and it cooperates 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.
From 2065438 to March 2009, according to the statistics of Judgment Document Network, more than 200 people have used JD.COM. Be found guilty of fraud. According to the judgment, the age of the defendant 107, with an average age of 28 years. In the JD.COM fraud case. Among the charges pronounced by two courts in Changsha, college students accounted for nearly half. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of deceived college students mentioned in the judgment exceeds 362, which has become a prominent group among the victims.