分期付款方式在今天的商业活动中应用日益广泛，为越来越多的顾客所接受，这一方面是因为很多人一次性支付售价较高商品的款额有一定的困难，另一方面是因为不少商店也在不断改进营销策略，方便顾客购物和付款．由于分期付款与每个人的日常生活密切相关，有深入研究的必要．１ The installment payment method is used more and more widely in today’s commercial activities, and it is accepted by more and more customers. This is because many people have a certain difficulty in paying once for the higher-priced goods, and on the other hand, it is because Many stores are also constantly improving their marketing strategies to facilitate customers’ shopping and payment. Because instalment payment is closely related to everyone’s daily life, there is a need for in-depth research. 1