《2025京东白条消费报告》数据显示，2025年京东白条累计为用户提供免息补贴超179亿元，同比增长 29%，免息订单近亿笔；白条分期订单量同比增长45%，分期交易额同比增幅达56%，免息政策有效降 低消费者的购物门槛。 12月30日，京东及京东金融已开放"白条年度账单"查询服务，用户搜索上述关键词即可回顾全年白条消 费轨迹，查看今年通过白条免息、国家贴息等让利措施节省的总金额。 9月1日国家消费贷款贴息政策在京东平台落地后，形成了"政策红利+平台让利"的叠加效应。我们了解 到，用户购买带有"国家贴息"标识的商品时，选择白条支付可自动享受利息补贴，无需额外提交材料， 单笔5万元以下最高可享1%年贴息比例，单个用户累计贴息额度最高达3000元。 截至12月初，该政策已覆盖京东商城超90%商品，覆盖品类交易额同比增长近45%，使用贴息功能的用 户笔均消费金额较政策前提升15%。 宏观数据背后，是消费者切实的优惠体验。联系到成都的林静女士（化名），她的消费经历具有代表 性。二宝出生后，家中洗烘设备无法满足需求，她看中一套标价10542元的洗烘套装，因一次性支出较 高有所犹豫。"国家贴息、白条分期，每月只需付439元 ...

Core Viewpoint - Chinese online lending companies have faced significant failures in India, contrary to their profitable operations in China, leading to a complete loss of investment in the Indian market [2][3][10]. Group 1: Profitability in China - Online lending is a highly profitable industry in China, with companies like Qifu Technology reporting net profits of 2.7 billion in 2021, 4.4 billion in 2022, and projected 6.264 billion in 2024 [2]. - Other platforms such as Baidu's Du Xiaoman are also profitable, with a projected net profit of 859 million in 2024 [2]. Group 2: Challenges in India - Chinese online lending companies initially viewed India as a lucrative market, expecting to profit from lending and collecting interest [6]. - However, they encountered insurmountable challenges, leading to a total loss of investment [6][10]. Group 3: Collection Difficulties - Effective debt collection is crucial for profitability in online lending. In China, aggressive collection methods, despite being controversial, yield results [6]. - In India, these methods fail due to language barriers, lack of a credit system, and cultural differences, making it difficult to enforce repayment [7][9]. Group 4: High Default Rates - The bad debt rate for Chinese online lending companies in India has soared to 80%, meaning only 20 out of every 100 units lent are recovered [9]. - This high default rate, combined with operational costs, results in significant financial losses for these companies [9][10]. Group 5: Regulatory Environment - New regulations from the Reserve Bank of India require online lending companies to limit interest rates and increase transparency, further complicating profitability for Chinese firms [11]. - The lack of a high-credit society in India makes it nearly impossible for these companies to operate profitably, leading to widespread closures [11].

近日，京东数科向上交所递交了招股说明书，从招股书内容可以看出，京东数科一直提的"toB"不只是 口号而已。从营收比例、技术投入占比、科技人才占比等各种数据来看，京东数科已经完全是一家toB 的公司，而且完成了阶段性落地。 根据京东数科的招股书显示，京东数科的业务分为三大类：金融机构数字化解决方案、商户与企业数字 化解决方案、政府及其他客户数字化解决方案。截至2020年6月，上述三大业务的营收占比分别为 41.48%、52.37%和5.57%。其中，京东数科金融机构数字化解决方案营业收入年复合增长率达到 100.51%，京东数科政府及其他客户数字化解决方案年复合增长率达到239.05%，创新型业务正在成为 驱动京东数科高速增长的关键因素。 成立两个月后，京东数科率先推出面向供应商融资需求的"京保贝";4个月后，推出了面向消费者短期借 贷需求的"京东白条"。 记者发现，这家新型科技公司的发展历程，总是带给业内很多惊喜——从京东集团内部孵化、含着"金 钥匙"出生，到业内首提金融科技，再到全面转型数字科技公司，不难看出，京东数科总是在激流勇进 时切赛道，并最终引领行业。 京东数科CEO陈生强曾总结道，"我们总是在发展 ...

"两年前一张信用卡忘了还，逾期800元，结果房贷被拒，那一刻，人生一片黑暗""4年前，有张信用卡欠款十几元一直还不进去，结果上了征信""3年半前 的逾期都还了，但记录会影响公积金贷款吗？" …… 各大社交平台上，类似的哀叹随处可见。在信用消费如影随形的今天，从信用卡到花呗，从"先用后付"到各类分期，我们享受着金融的便捷，却也不知不 觉中走在"刀尖"上。 截至2025年11月末，央行征信系统已收录了8.1亿自然人的信贷信息。然而，一次无心的疏忽、一条沉睡的信用卡逾期记录，都有可能在你人生最重要关 头——买房、创业贷款时轰然"炸裂"。 根据以往政策，这些"信用污点"至少要伴随你五年的时间，有些人为了"排雷"，购买所谓的"去污"服务，却掉入了更深的陷阱。 所幸，信用修复机制正在加快完善。12月22日，中国人民银行发布通知，实施一次性信用修复政策，支持信用受损但积极还款的个人高效便捷重塑信用。 "我的人生要重启了！"那些因临时周转困难而留下小额逾期记录的普通人，有望在2026年"轻装上阵"。 每一笔"花呗""白条" 都上征信 社交平台上，因"非主观恶意"而留下征信瑕疵的案例并不少见，其中不少发生在互联网平台的信用产品 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently restore their credit status [1][4] Group 1: Policy Details - The credit repair policy adheres to three principles: a specific time frame (2020 to 2025), a maximum amount (individual overdue amounts not exceeding 10,000 RMB), and specific conditions (debts must be repaid by March 31, 2026) [2] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit database starting January 1, 2026 [2] - The policy applies to various types of loans, including personal loans, housing loans, consumer loans, and credit cards, without charging any fees or requiring third-party agents [2] Group 2: Impact on Individuals - The policy aims to break the cycle of "once untrustworthy, always restricted," providing a pathway for those who have made mistakes but are willing to correct them [5][6] - It is expected to improve the core qualifications for personal credit applications, potentially increasing approval rates for housing and consumer loans [4][5] - The policy targets non-malicious, long-tail credit users, particularly benefiting young workers, individual business owners, and flexible employment individuals [6] Group 3: Benefits for Financial Institutions - The credit repair initiative encourages borrowers to repay overdue debts, which may help banks recover overdue loans and improve asset quality [7] - It establishes an incentive mechanism for debtors to repay their debts by setting a repayment deadline of March 31, 2026, aiding financial institutions in quickly recovering non-performing assets [7] - The policy also aims to eliminate illegal credit repair intermediaries by providing a free, automatic system for credit information processing [7][8] Group 4: Broader Social Implications - The credit repair mechanism is expected to enhance the social credit system by balancing punitive measures for dishonesty with benefits for trustworthiness [8] - It can alleviate social tensions caused by long-term credit issues, providing hope and promoting social harmony [8] - The policy is anticipated to stimulate consumer potential and economic vitality, allowing millions to access reasonable financial services, thereby boosting consumption and internal demand [8]

转自：新华财经 政策与平台协同 构建普惠促消费新机制 今年9月1日，国家消费贷款贴息政策在京东平台正式上线，以"国家贴息"标识直观呈现。用户在京东购 买带有此标识的商品，使用京东白条支付，可享受合作金融机构提供的利息补贴，补贴金额在付款时自 动扣减，无需任何额外操作。活动规则显示，单笔消费5万元以下最高可享1%的年贴息比例，5万元以 上最高贴息500元，单个用户累计贴息额度最高达3000元。 更具特色的是，京东将"国家贴息"与平台既有的"国家补贴"、"白条分期免息"等多重优惠打通，形成 了"政策红利+平台让利"的叠加效应。京东科技白条产品相关负责人表示，"我们希望消费者既能享受消 费贴息，又能拿到政策补贴、享受白条免息，实现'更方便、更划算'的双重体验。我们的目标是改变用 户'补贴只是一时促销'的认知，把优惠变成可持续的普惠服务。" 多位行业观察人士指出，这种"政策引导、平台承接、生态协同"的模式，使得宏观政策能够通过大型互 联网平台的技术与场景优势，得以高效、精准、无感地触达亿级消费者。截至目前，"国家贴息"已覆盖 京东商城超过90%的商品，初步实现了政策广覆盖与消费便利性的统一。 分析认为，中央经济工作会 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to automatically benefit from credit repair without the need for application or documentation submission [1][3]. Group 1: Policy Implementation - The one-time credit repair policy operates on an "automatic enjoyment" basis, meaning individuals do not need to apply or provide proof; the People's Bank of China will automatically identify and process eligible overdue information [3]. - The policy applies to various types of overdue loans, including personal business loans, housing loans, consumer loans, and credit cards, without distinction [3]. - All financial institutions connected to the central bank's credit system, including banks, small loan companies, and consumer finance companies, are included in the policy [3]. Group 2: Eligibility Confirmation - Individuals can confirm their eligibility for the policy through a three-step process: "check," "ask," and "recognize" [5][6]. - The first step, "check," involves obtaining a personal credit report through online channels or physical service points to see if there are any overdue records [5]. - The second step, "ask," encourages individuals to contact their loan institutions for clarification on overdue details and policy applicability [6]. - The final step, "recognize," emphasizes the importance of using official channels for resolving any doubts regarding eligibility to avoid scams [6].

随着冬季取暖季的到来，居民与企业用电需求攀升。还在为缴电费跑腿、忘缴断电发愁？ 用户可在京东App搜索"交电费"，一键进入网上国网电费交费专区，在收银台结算环节选择京东支付或 者白条，即可随机立减至高99元。整个流程简单快捷，无需额外领券，让用户的缴费安心又高效。用户 也可在"京东app-我的-钱包 -充电费"里进入缴费专区。 在北京工作的白领魏女士，最近就在京东为湖南老家的父母缴了电费，体验非常丝滑。 "冬天南方老家 湿冷，空调的取暖用电也多，父母年纪大了不会用手机支付，怕他们忘缴停电。我在京东远程输入老家 地址的户号就能缴，特别省心，支付时还随机减了8块钱，算是个小惊喜！" 此次京东服务-生活缴费、京东支付、白条与网上国网的合作，让用户在缴纳电费环节有了更多元、便 捷的支付选择。未来，京东支付、白条还将在更多民生场景，以多元支付方式不断拓展数字化便民服 务。 近日，京东App焕新版"网上国网"小程序上线，京东支付、白条接入网上国网(京东)小程序的支付环 节。用户足不出户即可网上缴费，用京东支付绑定的银行卡或京东白条结算，均有专属的随机立减福 利。 ...

来源：银瑞社 上个月，2025合肥马拉松开跑。 徽商银行，正是此次马拉松比赛的总冠名方。徽商银行党委副书记、行长孔庆龙出席开赛仪式，与各位 嘉宾共同为赛事鸣枪发令。 这意味着传统的存贷款业务，并没有带来太多的盈利增长空间。 在此背景下，徽商银行亟需加速拓展存贷款业务。 今年9月，徽商银行官网公布互联网贷款业务合作机构，共有39家公司。其中有9家以营销获客合作的机 构，合作产品包括花呗、信用贷、京东白条、网商贷、分期乐-借钱等等。另外，11家共同出资发放贷 款机构，包括微众银行、蚂蚁消金、新网银行等。 | 류号 | 合作类型 | 合作机构名称 | 合作产品名称 | 职责介绍 | | --- | --- | --- | --- | --- | | 1 | | 蚂蚁智信(杭州)信 | 花呗、信用购、借呗、信用贷 | | | | | 息技术有限公司 | | | | 2 | | 宿迁钧騰信息科技有 | 京东自条 | | | | | 限公司 | | | | 3 | | 浙江网商银行股份有 | 我感受 | | | | | 限公司 | | 徽商银行曲过 | | 4 | | 云翔信息科技有限公 | 京东金条 | 宣传染容 | ...

近日，演员杜淳的妻子王灿兮在微博平台发文称，自己从未开通过花呗，却频繁遭到花呗相关催债电话骚扰，该事件迅速引发广大网友关注和热议。 另外，据信号新闻报道，负责花呗安全技术的工作人员回应，用户遭遇此类情况可先向平台反馈，平台核实后会进行对应处理，但对于信息保护措施等核心 问题，并未给出明确答复。这种模糊回应，也让部分用户对平台的信息安全保障能力产生质疑。 作为重庆蚂蚁消费金融有限公司旗下消费信贷产品，花呗以"先消费、后还款"为核心机制，凭借便捷性和灵活性等优势，在市场中占据重要地位。此外，依 托支付宝生态，无需实体卡片与复杂手续，大幅降低了用户接入成本。 然而，在为广大用户带来便利的同时，花呗也暗藏不少隐忧，进一步加剧了用户端的信任危机。在黑猫投诉平台上，关于支付宝花呗的相关搜索词超4万 条，暴力催收已成为投诉重灾区。 有网友反映，"我在支付宝花呗上有逾期，目前暂无能力偿还，但肯定会还，可支付宝花呗催收人员采取暴力催收方式，给我父母打电话，导致我妈妈心悸 就医"。这类事件的频发，不仅损害了用户权益，更不断消耗着平台积累的用户信任。 不少有过类似经历的网友纷纷分享自身遭遇，并支招解决办法。收到网友建议后，王灿兮于 ...