according to the inquiry of financial observation network, the so-called large installment loan means that the bank provides a certain amount of credit loans to cardholders by issuing credit cards for purchasing goods or services. The advantage of this loan method is that it can meet the personal consumption needs of cardholders, but the disadvantage is that the interest is high and the repayment pressure is high. However, due to the high threshold of large installment loans, many people are reluctant to try. This shows that the large installment card belongs to the loan.