Minsheng Bank, as a bank, will determine the charging standard of handling fees according to market competition, risk control and other factors in the credit card installment business. The credit card installment fee is mainly determined by the following factors:

1. Risk cost: The credit card installment business involves the bank's advance payment of the consumption amount and the installment recovery, which has certain risks to the bank. Banks need to cover this part of the risk cost through handling fees.

2. Competitive pressure: Many banks in the market provide credit card installment services. In order to attract customers and remain competitive, some banks may reduce their fees. However, it should be noted that low handling fees may bring more risks and costs.

3. Operating costs: In the process of providing credit card installment services, banks need to invest certain manpower, technology and resources to support their operations, and these costs may also be reflected in the handling fees to some extent.

It should be noted that the formulation of specific handling fees may also be influenced by many factors such as government supervision, market demand and potential risks. If you have questions about the credit card installment fee of Minsheng Bank, I suggest you consult the bank, which can provide more detailed answers.