1. Advantages: Bai Hua has a certain interest-free period and certain rights and interests. You don't need to pay immediately after using the flower buds to buy goods. During the interest-free period, users can use this money for investment and financial management, which increases the extra income of college students in disguise and is conducive to cultivating good investment habits of college students.

2. Disadvantages: Because the flower buds are consumed first and then paid, it is easy for college students who do not have a good consumption concept to over-consume, and personal debts will continue to increase in the long run.