Jingdong white bar and Ali small loan e-commerce loan model comparison

Comparison of Jingdong white strips and Ali's small loan e-commerce loan model

Or start from Ali:

Ali is more authentic than Jingdong, because the former risk-sharing, the latter supplier liver trembling;

Ali's opening salvo will be directly pointed at the main 3C category of large appliances of Jingdong, positively calling Jingdong white strips;

Ali can get the quota through the freeze of balance treasury account balance, the left hand to get revenue, the right hand to open white strips more layer of application scenarios;

Beijing Dong Baijiao is the most popular and the most popular of all. The left hand to get revenue, the right hand to open the white bar, the application of the scene more a layer;

Beijing East white bar installments more, not installments, if you allow users to enjoy 30 days to repay the interest-free, Ali has only three installments to choose from, but the shortest three months is free of fees;

*** the same purpose are trying to further strengthen the customer's real-name authentication, to increase customer stickiness, to promote the consumption of the use of small amounts of credit limit to obtain consumption data and credit data, to provide a basis for the establishment of the future personal consumption of the wind control.

Parts that can be improved:

Ali Instalment Purchase can be settled by the consumer to decide the amount of the installment, such as 5,000 yuan of computers as long as the installment of 3,000 yuan, the equivalent of billing installments, which is more flexible than according to the commodity installments.

Lastly added, compared to the Jingdong white strips, Tmall installment purchase name is very not domineering, the sense of existence is not strong, there is no formation to installment, on Tmall brainwashing sense.