1, Shengjing Bank's credit purchase is a payment method similar to a credit card, which requires users to open the credit purchase function at Shengjing Bank and apply for the corresponding credit line. Flower Garden is a consumer credit product launched by Alipay. Users can apply for flower garden through Alipay, and then they can make consumption installment or direct payment in merchants who support flower garden.

2. Credit purchase of Shengjing Bank is a payment method used by cooperative merchants or POS terminals of Shengjing Bank. Users pay by swiping their cards or purchasing other payment methods specified by credit, while flower buds are the consumption payment methods in Alipay, and users can cooperate with merchants to spend or pay online and offline in Alipay.