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政策红利叠加科技赋能 京东科技“三个融合”助力普惠金融落地
Sou Hu Cai Jing· 2025-09-26 00:54
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 ...
普惠金融精准滴灌实体经济 京东科技服务超200万中小企业发展
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-25 10:46
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 ...
信用卡“断舍离”:从“跑马圈地”到生态重构
Zhong Guo Jing Ying Bao· 2025-07-25 09:55
Core Viewpoint - The credit card market is undergoing a significant transformation from "scale competition" to "value deepening," with banks actively shedding inefficient products and focusing on enhancing core competitiveness through digital upgrades and self-controlled ecosystems [1][3][4]. Industry Adjustments - Several banks, including Bank of China and Citic Bank, have announced the discontinuation of certain credit card products, particularly co-branded cards, effective from August 31, 2025 [2][3]. - The adjustments are driven by the need to optimize product structures and improve service quality in response to changing market conditions and consumer demands [2][3]. Market Dynamics - Over 80% of credit card features are highly similar, leading to minimal differentiation among products [3]. - The penetration rate of consumer credit through platforms like Alipay and JD.com reached 38% in 2024, indicating a shift in consumer behavior and a diminishing role for banks as mere funding channels [3]. - The credit card delinquency rate rose to 2.1% in 2024, with some banks exceeding 5%, highlighting the imbalance between revenue and risk [3]. Regulatory Influence - New regulations, such as the notice issued in January 2024, require banks to eliminate products with a "sleeping card" rate exceeding 20%, prompting many banks to stop issuing underperforming credit cards [4]. Strategic Focus - Banks are shifting their focus from traditional credit card offerings to creating a comprehensive ecosystem that integrates various consumer needs, such as shopping, travel, and entertainment [6][7]. - The emphasis is on building self-controlled ecosystems and enhancing user engagement through innovative product offerings tailored to younger consumers [6][8]. Future Trends - The industry is expected to evolve towards a multi-dimensional development approach, including ecosystem building, technological empowerment, and segmented customer operations [9]. - The trend indicates a move away from physical cards towards digital financial services, with credit cards becoming integrated into broader financial solutions [10].
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招商银行App· 2025-05-19 01:55
Group 1 - The article discusses various credit card offerings from China Merchants Bank, including promotional benefits for new users [5][6]. - New users can receive a JD PLUS membership upon meeting certain criteria, highlighting a partnership with JD.com [5]. - There are additional rewards for cardholders, such as discounts on dining and the ability to redeem points for gifts [9]. Group 2 - Cardholders can refer friends to apply for the card and receive rewards upon successful referrals, such as discounted kitchen appliances or cash rewards [11][12]. - Existing cardholders have the option to apply for additional credit cards, with shared credit limits and no new user benefits [13][14]. - The article encourages users to explore other credit card options available through the bank [16].
箱包锅具大牌好礼免费送,招行信用卡新户达标可享,点击办理>>
招商银行App· 2025-04-29 10:13
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