From the bank's point of view, according to market research, there are three major problems at present: first, the disclosure of important information such as the actual annualized rate, the cancellation of installment and early repayment regulations is not perfect; Second, all the remaining installment fees are collected in advance, that is, consumers will bear the remaining fees even if they pay off the installment principal in advance; Third, there are misleading propaganda such as "interest-free" and "the proportion of handling fees will not increase with the increase of installment times".