The inability of Shanghai Pudong Development Bank to make installment loans may be because the bank has strict credit assessment and risk control mechanisms for borrowers and cannot meet the installment loan needs of some lenders.

In the bank's loan process, the borrower's credit evaluation is very important. The bank will comprehensively consider the borrower's credit record, income status, assets and liabilities and other factors to evaluate its repayment ability. If a person has a low credit score and poor repayment ability, the bank may reject his or her loan application or may only provide a more conservative loan method, such as not allowing installment. In addition, banks will also have certain requirements in terms of risk control, such as requiring borrowers to make early repayments or deposits within the repayment period.