The overall evaluation of China Construction Bank's installment connection is pertinent. Take the 12th installment as an example, the monthly handling fee rate is only .29%, and the actual total cost for one year is 3.48%, but this is not the same as the annual interest rate, and the actual annualized interest rate is about 6.3629%. It is mainly aimed at customers with good credit, stable income and standardized consumption behavior, and gives advance credit in installments so that they can enjoy installment payment service in daily large consumption and can use it in designated merchants.

In contrast, CCB's personal credit product, CCB Express Loan, is a completely online service. Customers can complete the whole process of loan application, approval, signing, lending and repayment through CCB's electronic channels, which greatly facilitates the user's loan experience.

China Construction Bank, founded in 1954, was officially renamed as its current name in 1996. It is a large state-owned bank managed by the central government and has the administrative level of deputy ministerial level. Headquartered at No.25 Financial Street, Beijing, it has a wide range of business, covering companies, individuals and financial services, with branches in 29 countries and regions around the world, and also involved in many financial fields including funds, leasing, trust, insurance, investment banking and futures.