相關產品將只對已購買產品的用戶可見，已購買相關產品的用戶不受影響。未來，京東金融將密切關注相關監管政策和指導意見，認真落實。
中國人民銀行金融穩定局局長孫天琦在題為《線上平臺存款：數字金融和金融監管的一個產品案例》的文章中指出，互聯網平臺模式為客戶提供了存款購買接口，實質是存款營銷行為。
監管要求商業銀行應進一步規范吸收存款行為，不得通過第三方中介吸收存款。此類互聯網金融平臺為客戶購買存款產品提供了信息展示和購買接口，從實質上看是一種營銷行為。
有專家表示，無論是智能存款還是其他高成本的負債存款，本質上都是高息攬儲。
監管叫停智能存款這種高息攬儲模式最根本的目的還是通過降低銀行負債端成本傳導至銀行貸款利率，同時也能在一定程度上遏制金融風險，遏制商業銀行的存款惡意競爭。
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