How does Huabei operate?
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1Person Answer
模式大体是这样的：自有资金、ABS和银行贷款等渠道向京东或阿里平台提供资金，然后京东或阿里平台向京东商城或淘宝平台的商家垫付货款，商家发货。
此时交易关系就不再是买家和卖家了，而是买家与白条或花呗。
等到了还款期限，你再慢慢还钱给花呗或白条
Professional answer
The model is generally like this: funds are provided to JD.com or Alibaba platforms through channels such as own funds, ABS and bank loans, and then JD.com or Alibaba platforms advance payment to merchants on JD.com or Taobao platforms, and the merchants ship the goods.
At this point, the transaction relationship is no longer between buyers and sellers, but between buyers and Baitiao or Huabei.
When the repayment period arrives, you slowly pay back the money to Huabei or Baitiao
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