Education and training by stages is a kind of payment method for some schools and institutions with training qualifications to pay tuition fees by stages, and it is also a kind of consumer finance. For example, Baidu has money to spend, and Squirrel Bao's mainstream phased training platform has high approval efficiency and high pass rate ... The education and training industry has developed rapidly, and more and more people are optimistic about phased education, which has indeed solved many problems.