Auspicious flowers are loan products, which can be understood as loan supermarkets. It is an online consumption installment service launched by Jishang Loan Supermarket (Beijing) Financial Information Service Co., Ltd., which provides users with loans to buy goods through cooperation with cooperative merchants. Users can choose the goods they need to buy on the auspicious flower platform and pay in installments. According to the credit evaluation results of users, Auspicious Flower Club will provide corresponding loan amount and installment plan. After purchasing goods, users need to pay back by installment.

Therefore, it can be said that auspicious flowers are a kind of loan supermarket, which provides loan services to users and realizes consumption by stages. However, it should be noted that auspicious flowers are only one of the loan products, and there are other loan companies and loan products to choose from in the market. The specific choice of loan products needs to be decided according to personal needs and credit evaluation results.