Group 1 - The core point of the news is that Jiexin Consumer Finance Co., Ltd. has officially changed its name to Tianjin Jingdong Consumer Finance Co., Ltd. (JD Finance), and this change does not affect existing contracts or customer services [2][10] - JD Finance was one of the first four pilot consumer finance companies in China, established in 2010, and was previously the only foreign-funded consumer finance company in the country [4] - As of January 2025, JD Group has become the largest shareholder of JD Finance, holding 65% of the shares after a restructuring approved by the National Financial Supervision Administration [4][7] Group 2 - The current shareholder structure of JD Finance includes Guangzhou Jingdong Trading with a 50% stake, Online Banking with 15%, China Foreign Trade Trust with 12%, Tianjin Development Zone State-owned Assets with 11%, and Tianjin Bank with 10% [7] - Zhang Hanchun has been appointed as the General Manager and legal representative of JD Finance, while Ondrej Frydrych has transitioned to the role of Vice Chairman [7][9] - JD Finance aims to focus on high-quality development and improving user experience following the name change [10] Group 3 - JD Finance's asset scale peaked at over 100 billion yuan in 2019 but has since declined due to increased competition and stricter regulations, with total assets reported at 4.842 billion yuan and total liabilities at 2.268 billion yuan as of December 31, 2024 [11] - Prior to obtaining the consumer finance license, JD relied on its small loan company, which reported a revenue of 1.675 billion yuan in 2024, a year-on-year increase of 3.39%, and a net profit of 52 million yuan, a significant increase of 1526.38% [11] - The acquisition of a consumer finance license allows JD Finance to access higher leverage limits and diversify funding sources, which is crucial for expanding its consumer credit business [12]
消金巨头获批更名！京东消费金融入场背后：如何新发展？
Nan Fang Du Shi Bao·2025-05-27 11:27