The Appearance Of Jingdong'S Ious Status Has Aroused Controversy.

At present, Jingdong's competitor, Ali ants, does not use any credit card repayment.

Since the Jingdong has 30 days of interest free period, superimposing more than 50 days of credit card interest free period, Jingdong in fact the longest in fact can be more than 80 days of interest free shopping.

Regarding the risk of Jingdong IOUs, Jingdong finance chief told reporters that Jingdong's ious has always been due to strict risk management, and the bad debt rate is lower than the average level of the industry.

The successful issuance and listing of Jingdong white A B S fully reflects the big data wind control system possessed by Jingdong finance, which has been recognized by the market.

In addition, Jingdong Finance said that it has not only stepped up its capacity building of risk management, but also jointly organized dozens of financial institutions such as Tencent, Everbright Bank and north bank Consumer Finance Companies to set up an internet financial security alliance aimed at cracking down on black products and maintaining Internet financial security, and promoting the ability of risk management in the Internet financial industry.

Before, CITIC Bank Credit Card Center and Jingdong financial cross-border integration, launched CITIC Jingdong white card joint card.

Lv Tiangui, President of CITIC Bank Credit Card Center, has said that both sides of CITIC Bank and Jingdong have built up a potential credit card by superimposing commercial credit and financial credit. This may be that we can get more credit and more credit than any other environment through multiple data.

Since Jingdong's white bill has 30 days of interest free period, plus more than 50 days of credit card interest free period, credit card repayment of Jingdong ious has actually been the longest interest free shopping for more than 80 days, which has also become a major selling point of Jingdong IOUs.

Jingdong's competitor, Ali Ali, has no such function. Although the interest free period can be up to 41 days, the debit card must be repaid.

For China Merchants Bank to shut down Jingdong's credit card repayment channels, the CITIC Bank Credit Card Center told reporters that although China Merchants Bank and Bank of China closed Jingdong's ious credit card repayment channels, they still had cooperation with many banks. CITIC Bank was only one of them, and it was not easy to make an evaluation of the matter.

Recently, some netizens said that China Merchants Bank and Bank of communications suspended one after another.

The credit card repayment channel of IOUs.

Jingdong white stripper customer service told reporters that due to banking reasons, now temporarily can not use the Bank of China and Bank of China's credit card repayment.

It is reported that as early as the beginning of September, China Merchants Bank took measures and officially shut down in September 20th.

China Merchants Bank Credit Card Center also confirmed to reporters that Jingdong has indeed closed the credit card repayment channel.

For China Merchants Bank to shut down Jingdong's credit card repayment channel, the China Merchants Bank Credit Card Center replied to reporters that the essence of credit card is a small loan tool that first consumes and then refunds. Jingdong's white bar also has this feature. Therefore, we believe that Jingdong white stripe is a loan product similar to credit card, and it should use debit card to make repayment and not repay by loan.

Jingdong financial official responded to reporters that Jingdong's IOUS is credit sale, which is the accounts receivable of Jingdong mall, which belongs to commercial credit behavior, not credit products.

Then Jingdong white stripes, which is identified by Jingdong finance itself.

Is it a product of credit? Is it a credit product? Do you use the bank credit card to repay the Jingdong's white bill, will it pass the risk to the bank? The Bank of China and the Bank of China stop the white card credit card repayment, will other banks follow it? When the reporter tried to use other bank credit cards to make the repayment of Jingdong's white bill, he found that the savings cards and credit cards of the mainstream banks of ICBC, agricultural bank, Bank of China, China Construction Bank, CITIC Bank and so on could all be paid for the white bill.

In addition, the Bank of Beijing and Nanjing bank only support credit card repayment. China Merchants Bank, Bank of communications, Societe Generale and Ningbo bank only support savings cards.

In the case of online banking repayment, there are 16 banks' credit card support repayment.

If Jingdong IOUS is not

Products, so why should the Bank of China Merchants Bank close the credit card to the Jingdong's white money repayment passageway? Analysys think tank senior analyst Ma Tao analysis said that the credit sale form of the white strip can actually be seen as another form of the electricity supplier shopping scene. If consumers pay more with these new products, it will move the cheese of the bank to a certain extent.

For innovative Internet banking businesses, different commercial banks will hold different attitudes. Some banks will certainly be cautious when there are no corresponding regulatory rules, and some banks will be relatively open based on cross-border cooperation.