The amount of IOUs issued through the small vault ranges from 500 yuan to 30,000 yuan, and the ratio of the amount required by the small vault to the amount of IOUs is 1: 1. For example, if you deposit 1 1,000 yuan into the small vault, the corresponding amount of IOUs is 1 1,000 yuan.
When the amount of funds held by Jingdong Small Treasury is insufficient to open the white line of application, it is necessary to supplement the purchase difference. JD.COM IOUs is a financial service launched by JD.COM, which is aimed at consumers in JD.COM.
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Jingdong small vault is a money fund product of Jingdong Finance. The money deposited in the small vault can not only enjoy the expected income of the money fund, but also allow users to write IOUs.
1. What does it mean to open a white note in JD? COM's coffers?
1. What is Xiaojin Village in JD.COM?
In fact, the money that users deposit in the vault is the money fund. By default, new users deposit in the vault to purchase China Life Insurance-Zengjinbao Monetary Fund.
However, the funds in the small vault can also be paid and used at any time, including purchasing wealth management products, funds, gold, and writing and returning IOUs.
2. What is JD.COM White Strip?
White stripes are a payment method in JD.COM, similar to Alipay flowers. However, the usage scenarios of white stripes in JD.COM are different, and they are mainly supported in JD.COM. COM, Store 1 and other places.
JD.COM White Bar, like Flower Bar, users can't apply voluntarily, and the system decides whether to activate it according to the user's credit.
Write a white note in JD.COM. COM's vault is a way for JD.COM to activate IOUs for users. Users can get the opportunity to apply for IOUs by depositing certain funds into their own small vault accounts.
The amount of funds deposited should be the same as the amount of IOUs, that is, when the amount of IOUs is 1 000 yuan, the amount of small deposits should not be less than 1 000 yuan.
However, saving money in the small vault can only get the opportunity to activate the white note, and whether it can be activated successfully in the end still needs to wait for the system to review, that is to say, when the system judges that the user's credit is not high, even if the small vault saves money, it cannot open the white note.
Second, is it cost-effective to write IOUs in JD.COM? COM's coffers?
When the IOU is opened, the amount deposited in the small vault will be temporarily frozen. From the perspective of overdraft consumption, the advantage of opening a white note in the small vault is not outstanding, because the amount of overdraft means the amount that must be deposited in the small vault.
However, although the frozen funds cannot be used, it does not affect the expected income of the Monetary Fund. Its function is similar to Alipay reserve fund, which can borrow money for a short time and obtain the expected income of small investment.