Core Viewpoint - The credit card business of commercial banks is undergoing a period of stock competition and transformation adjustments, with several banks, including Everbright Bank and Industrial and Commercial Bank of China, making significant changes to their installment services, which has attracted widespread market attention [1][6]. Summary by Sections Business Adjustments - Everbright Bank announced it will discontinue its self-selected installment service starting December 9, 2025, affecting all new transactions, while existing installment agreements will remain unaffected [3][4]. - Industrial and Commercial Bank of China will adjust the installment periods for its credit card bill installment and consumption transfer installment services, eliminating options for 36 months or longer, effective December 5, 2025 [4][5]. - Longjiang Bank previously stopped its credit card free installment service on June 16, 2023, to optimize product structure and improve service quality [5]. Risk Management and Regulatory Response - Analysts suggest that these adjustments aim to optimize risk structures and enhance business standardization, responding to regulatory guidance on consumer debt levels [6][8]. - The changes reflect a shift from a focus on the scale of installment services to an emphasis on asset quality and service substance, promoting a more compliant and prudent development direction for the consumer finance industry [6][8]. Consumer Behavior and Market Dynamics - The reduction in installment options may lead consumers to more carefully evaluate their financial situations before making purchases, potentially fostering a more rational consumption habit [7][8]. - The adjustments are expected to create a ripple effect across the industry, with more institutions likely to follow suit in response to the need for risk control and compliance [8][9]. - The credit card installment market may see a shift from long-term, high-risk models to a more reasonable overall term structure, with competition focusing on risk management, user experience, and service capabilities [8][9].