The main purpose of this study is to explore the related issues of credit card installment payment and understand the influence of credit card installment payment on consumers and banks. Specific objectives include the following:

1. Understand the concept and classification of credit card installment, including installment fee, installment period, interest rate and other aspects, as well as the installment policies of different types of credit cards.

2. Analyze the impact of credit card installment on consumers, including the advantages and disadvantages of installment, whether installment will increase consumers' debt pressure and whether it will affect consumers' credit records.

3. Analyze the impact of credit card installment on banks, including whether installment will increase the risks of banks and whether installment will increase the income of banks.

4. Discuss the market demand and development trend of credit card installment, and how to optimize and improve the credit card installment policy to improve consumer satisfaction and bank income.