Huabei and Everbright Bank are a financial partnership. Their cooperation is to provide consumers with more payment services. Everbright Bank is a large Chinese bank with a large number of customer resources, while Huabei is a credit card service launched by Alipay to help users pay for purchases in installments. Through the cooperation between Huabei and Everbright Bank, users can make use of the resources of Everbright Bank, use Huabei services, realize installment payments, and complete shopping on the Alipay platform, thereby saving shopping costs and also providing consumers with a more Convenient payment methods.