京东白条如果都按时全额还款，刘强东靠什么盈利？网友：全是套路
网络购物可以说是深入到每个现代人的生活之中了。这不又快到了11.11，又免不了买买买。京东和天猫作为国内数一数二的电商巨头，成了很多网友的网购选择。对于在京东网购的朋友来说，不少网友结账时会选择打白条。京东白条可以先消费，后付款。也就是暂时没钱也能买自己想要的东西，只要在一定期限内（最长40天）还款即可，没有利息，很受年轻人的欢迎。
刘强东资料图
那么，可能就会有网友会问了，如果京东白条都按时全额还款，那么京东刘强东又靠什么盈利呢？还有网友就开玩笑的说，难道是做慈善？
虽然说刘强东乐善好施，曾经向清华大学捐赠2亿元，但在这一块估还没有这么大方。
其实在网上买东西的时候，有些东西还是比较贵的，就会选择京东白条的分期付款，这样还款的压力就会小一点。当你选择白条分期的时候，就会产生一个服务费了。再有就是有些人记性不好，白条不能按时还清的，会逾期，这样就会产生违约金。
当然，这些都是表面现象，并不是京东白条的主要盈利的地方。
京东白条
对于刘强东来说，白条的功能是拉动消费，直白点说就是多卖货。京东白条类似于信用卡，但是和信用卡又不同。京东白条本质上是赊销，通过赊销的方式多卖货。我先从京东买货，但是不立即付款，而是在约定的时间内付款。白条只是买卖关系凭证，并未产生新的债权债务关系和现金流的流动。因此，京东白条没有第三方金融机构的参与，商家和消费者也更乐意使用。从目的上来讲，就是花明天的钱，圆今天的梦！商家多卖货，消费者晚付款。
有网友还会问，京东把货赊销出去，自己是否会有很大的回款压力呢？这一点，刘强东早就有准备。那就是把回款的压力转化到供应商那里。比方说，京东进了一批小米手机，京东和小米就会有一个60天的账期。小米先把手机发给京东，京东在网上销售，然后60天后，京东再和小米结账。据京东今年第二季度财报数据显示，京东应付账款周转天数为60.9天。而账期的拉长，就意味着京东始终能维持庞大的现金流。而稳定的现金流对于简单来说就不言而喻了。
刘强东资料图
值得一提的是，京东白条推出一年之后，马云的蚂蚁花呗也跟着上线了。
有网友对此评价说，看起来不花钱的京东白条，其实全是套路啊！
虽然说刘强东的京东白条全是套路，但是的确是方便了很多的网友消费者。最后提醒大家，如果有稳定收入，可以打白条消费。如果忽视自己的经济能力，不自量力的打白条，后果很严重哦！
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