1. A small and micro enterprise applied to China Merchants Bank for negotiation installment mainly because of the cash flow shortage caused by the epidemic. China Merchants Bank learned that the company has a good record of steady operation and agreed to negotiate the plan in stages. This move has played a positive role in the survival and development of enterprises.

2. An individual customer faces a high credit card bill due to unexpected medical expenses. The customer asked China Merchants Bank to negotiate the installment, and the bank agreed to the customer's request after carefully examining the customer's credit history and repayment ability. Since then, the customer has steadily repaid the relevant funds according to the installment repayment plan, successfully avoiding the risk of default.

A college student owes a lot of credit cards for some reasons. He applied to China Merchants Bank for negotiation by installment, and provided all the collateral (a car) as a guarantee. Based on this, China Merchants Bank finally agreed to the student's application and made a suitable installment repayment plan. In the end, the student successfully paid off all debts and assumed his due responsibilities.