Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. Installment payment is a kind of transaction method. Simply put, in some product transactions with long production cycle and high cost, instead of paying all the expenses at one time, it is agreed to pay the money in several installments and pay certain installment interest within a certain period of time.