此外，京东供应链金融科技的全链路产品围绕用户体验升级不断创新。例如，京东白条针对多种消费场 景，推出和升级免息分期、先享后付、鞋服买一试三，家电"先送新再回收"，租房"先住后付"等创新服 务；京东支付扩大银行积分抵现的银行范围，让更多用户可以在京东购物时直接抵扣使用已有积分，让 原本处于沉睡状态的银行卡积分，真正物有所值。在产业融资服务方面，京东供应链金融科技围绕从上 游至下游全供应链需求，不断进行产品和服务创新。例如，订货贷助力经销商、零售商在向上游采购的 预付款环节，能将货权提前用，提前锁定新品货源。 近年来，品牌出海成新趋势，伴随着京东在跨境生态的全方位布局，京东供应链金融科技在服务好"内 循环"的同时加速布局"外循环"，通过跨境支付和融资的两轮驱动，助力中国品牌的出海之路更顺畅。 中证报中证网讯(记者石诗语)9月25日，记者获悉，在2025京东供应链金融科技大会上，京东科技发布 了"三个融合"发展路径——消费与产业融合、创新与场景融合、内循环与外循环融合。据了解，截至9 月末，京东科技今年已承接全国消费品以旧换新国补订单量接近1.6亿单；全链路供应链金融服务每年 为产业链上下游企业提供融资金额5000 ...

中国网财经9月26日讯 金融活水精准滴灌，政策红利与科技赋能正共振出消费市场新动能。9月25日， 在2025京东供应链金融科技大会上，京东科技发布了"三个融合"发展路径——消费与产业融合、创新与 场景融合、内循环与外循环融合。会上还披露了截至今年9月，京东科技2025年已承接全国消费品以旧 换新国补订单量已接近1.6亿单；全链路供应链金融服务每年为产业链上下游企业提供融资金额5000亿 元，服务大型企业超3000家，中小微企业超200万家。 此外，针对企业既要资金灵活支撑经营扩张，又要让闲置资金"动起来"的需求，财富管理平台"企业金 库"将负债端与资产端需求场景深度绑定，打通了经营全链路。企业金库目前已服务超6万企业客户，助 力商家实现结算资金可自动转入赚收益，同时在京东体系内的经营支出如广告投放、进货采购等环节也 可以一键完成。 "内循环"与"外循环"融合 跨境支付及融资服务助力品牌出海 近年来，品牌出海成新趋势，伴随着京东在跨境生态的全方位布局，京东供应链金融科技在服务好"内 循环"的同时也加速布局"外循环"，通过跨境支付和融资的两轮驱动，助力中国品牌的出海之路更顺 畅。针对跨境进出口电商的金融服务平台J ...

转自：新华财经 金融活水精准滴灌，政策红利与科技赋能正共振出消费市场新动能。9月25日，在2025京东供应链金融 科技大会上，京东科技发布了"三个融合"发展路径——消费与产业融合、创新与场景融合、内循环与外 循环融合。会上还披露了截至今年9月，京东科技2025年已承接全国消费品以旧换新国补订单量已接近 1.6亿单；全链路供应链金融服务每年为产业链上下游企业提供融资金额5000亿元，服务大型企业超 3000家，中小微企业超200万家。 消费与产业融合 承接全国消费品国补订单量近1.6亿单 在产业融资服务方面，京东供应链金融科技围绕从上游至下游的全供应链需求，不断进行产品和服务创 新。比如订货贷助力经销商、零售商在向上游采购的预付款环节，就能将货权提前用，提前锁定新品货 源；金采Pro基于供应链金融及工业供应链一体化，有效延长工业企业的采购账期，助力其在大额采购 工业品时资金安排更灵活，保障原材料及工业品稳定。京东供应链金融科技全链路产品每年为产业链上 下游企业提供融资金额5000亿元，服务大型企业超3000家、中小企业200万家。 此外，针对企业既要资金灵活支撑经营扩张，又要让闲置资金"动起来"的需求，财富管理 ...

出行礼包内有4份零食、1瓶水饮以及1份限量版一次性座椅套垫的实物礼包，用户可在广州南站、深圳 北站、上海虹桥站、苏州站、南京南站、西安北站、长沙南站、青岛站等8个火车站的贵宾厅进行领 取，陪伴用户的火车旅途；此外，还有包含线上的酒旅券、白条券、旅行箱包券等购物及文旅等价值 230元的支付券包。 本次活动是京东支付、白条自今年8月接入12306平台后，推出的又一服务举措。据悉，此次发放礼包共 计10万份，先到先得，线下领取需与用户出发或到达站一致。 京东金融相关负责人表示，希望通过支付和白条的多元支付方式、以及出行礼包的一份小心意，为广大 出行用户提供更便捷、优质的出行体验。 9月15日起，铁路12306开始发售国庆中秋假期运输车票。随着十一黄金周假期的临近，不少旅客已开始 提前规划行程和购买车票。 为进一步给用户提供出行便利，京东支付、白条继上线12306App后，近日又推出"出行礼包"的贴心服 务。9月9日起至10月9日，用户通过12306 App购票并选择京东支付完成支付，即可在京东/京东金融App 搜索"出行礼包"参与活动，免费领取一份专属的出行礼包。 ...

Group 1 - The core viewpoint is that Wangyin Online has been recognized as a typical case of cybersecurity technology application by the Ministry of Industry and Information Technology and other departments, highlighting its national-level recognition in payment technology security [1] - Wangyin Online is the only payment entity in the third-party payment industry to receive this recognition, showcasing its leadership in the sector [1] Group 2 - Password security is crucial in cybersecurity technology applications, with the revised Commercial Password Management Regulations and the People's Bank of China's implementation plan promoting the use of domestic password algorithms in the financial sector [3] - Wangyin Online actively implements the requirements of the Password Law and Commercial Password Management Regulations, undertaking commercial password transformation projects to ensure the confidentiality, availability, and integrity of important business data [4] - The application of commercial passwords in payment systems enhances the network and information security of non-bank payment systems, improving transaction security and business stability [4] Group 3 - As a licensed third-party payment institution under JD Group, Wangyin Online holds a payment business license issued by the People's Bank of China and possesses advanced payment technology capabilities [5] - Wangyin Online has developed a comprehensive payment solution over more than ten years, leveraging JD Group's ecosystem to provide integrated online and offline industry solutions across various sectors [5] - Recent expansions include partnerships with major platforms such as 12306, Pizza Hut, and KFC, broadening its network to over a hundred leading enterprises in various industries [5]

Core Viewpoint - The article highlights the compliance challenges faced by payment institutions in China, particularly focusing on the significant penalties imposed on JD Technology's payment arm, Online Banking, due to multiple violations of regulatory requirements [1][12]. Regulatory Penalties - Online Banking was fined a total of approximately 9.62 million yuan for ten violations, including the failure to establish a real-name management system for merchants and improper management of payment interfaces [1][2][12]. - This marks the second major penalty for Online Banking in 2025, with a previous fine of 1.0173 million yuan for anti-money laundering failures [1][4]. Compliance Issues - The ten violations identified include inadequate customer identity verification, failure to report large or suspicious transactions, and improper handling of reserve funds [2][4]. - The company has faced scrutiny for its compliance practices, which have been questioned during its previous attempts to go public [5][6]. Management Accountability - The former president of Online Banking, Huang, was held accountable for five of the violations and fined an additional 330,000 yuan [3][12]. - The company has acknowledged the need for improved compliance governance and has committed to rectifying the identified issues [13]. User Complaints and Legal Issues - Online Banking has seen a rise in user complaints, with 3,591 complaints reported in 2023, indicating ongoing customer dissatisfaction [7][9]. - The company is also facing legal challenges, including a recent court ruling requiring it to pay 494,880 yuan due to a labor dispute with a former employee [7][12]. Industry Context - The payment industry in China is experiencing intensified regulatory scrutiny, with a total of 46 penalties issued to payment institutions in the first half of 2025, amounting to approximately 152 million yuan [13][14]. - The regulatory focus has shifted towards comprehensive risk management and compliance, necessitating payment institutions to enhance their internal controls and customer verification processes [14].

Core Insights - The digital economy has transformed payment systems from mere transaction tools into a vital part of the "digital new infrastructure," enhancing settlement efficiency and optimizing capital flow, thus driving the growth of the real economy [1][5] - JD Pay and White Bar have expanded their partnerships with over 100 leading companies across various industries, including Pizza Hut, KFC, and 12306, providing consumers with tangible discounts and creating new growth opportunities for merchants through diverse payment solutions [1][3] Group 1: Payment Innovations - JD Pay offers various payment methods, supporting both online and offline transactions, and has achieved full scenario coverage, serving over 100 leading key account enterprises [4] - The rapid payment experience is highlighted by features such as one-click card binding and three-second payment processing [4] - White Bar has evolved from a single credit consumption product to a comprehensive financial service ecosystem, linking over 2 million merchants with 270 million consumers [5] Group 2: Consumer Benefits - Consumers benefit from various discounts, such as "29 off 10" at Pizza Hut and significant reductions on train tickets, showcasing the practical advantages of using JD Pay [3] - The integration of diverse consumption scenarios provides consumers with small but meaningful savings, enhancing their overall shopping experience [3] Group 3: Economic Impact - The People's Bank of China and six other departments have issued guidelines to support consumption, emphasizing the need to optimize payment services and enhance the consumption environment [3] - The value of payment infrastructure is being redefined as JD Pay and White Bar deepen their integration into essential consumer sectors like dining, travel, and retail, thus improving transaction efficiency and contributing to economic growth [5]

Group 1 - The core viewpoint of the news is that China Duty Free Group's e-commerce platform, China Duty Free Day App, has integrated JD Pay and White Bar to offer consumers more flexible payment options, enhancing the shopping experience [1][3] - From now until September 8, users can enjoy a limited-time discount of 80 yuan on orders over 4000 yuan when using JD Pay or White Bar, lowering the threshold for high-quality consumption [1][3] - The integration of JD Pay marks a significant upgrade in digital infrastructure for the China Duty Free Day App, aiming to meet user demands for payment efficiency and discounts [3][4] Group 2 - The duty-free industry is benefiting from dual incentives of policy support and consumer demand, driven by major national strategies such as the construction of the Hainan Free Trade Port and the Guangdong-Hong Kong-Macao Greater Bay Area [3] - China Duty Free Day has established a strategic product matrix covering four major categories: beauty and luxury goods, health technology, premium food, and smart digital products, serving over 30 million quality users annually [3][4] - JD Pay has proven its stability and security through large-scale events like JD 618 and 11.11, and it serves over 600 million users, indicating its strong position in the payment services market [4] Group 3 - JD Pay supports various payment methods, including online and offline payments, and has achieved full-scenario coverage across key sectors such as dining, e-commerce, travel, and local services [4] - The collaboration between China Duty Free Day App and JD Pay not only enhances user payment experiences but also provides a new reference for the digital upgrade of the duty-free industry [4] - In 2024, JD Pay is expected to serve over 4 million merchants, helping clients save over 1 billion yuan in marketing and payment fees through its strong supply chain and user operation capabilities [4]

Group 1 - The core viewpoint of the news is the collaboration between JD Pay and the 12306 App, which introduces diverse and convenient payment options for travelers during the peak summer travel season [1][2] - JD Pay offers a special discount of up to 27 yuan for train ticket purchases made through the 12306 App, enhancing the user experience and encouraging more travelers to use this payment method [1][2] - The 12306 platform has achieved significant scale, with over 800 million registered users and peak daily traffic reaching 50 billion visits, making it the highest-traffic ticketing platform globally [1] Group 2 - The partnership aims to gradually integrate more JD services and benefits into the 12306 App, contributing to the high-quality development of the railway sector and providing enhanced financial services for JD's over 600 million users [2]

Group 1 - JD Pay has announced its integration with the railway ticketing platform 12306, allowing users to enjoy discounts when purchasing train tickets [1][3] - From now until August 31, users can receive a maximum discount of 27 yuan when selecting "JD Pay" at the payment page on 12306, with a daily limit of 10,000 offers [1][3] - New users of JD Pay can enjoy additional discounts ranging from 5 to 15 yuan, with each user eligible for one discount [3] Group 2 - The 12306 platform has been operational since 2011, with the mobile app launched in 2013 and various features added over the years, including real-name verification and ticket delivery services [6] - As of 2022, 12306 has registered over 680 million users and can sell more than 20 million tickets daily [6]