借呗是蚂蚁金服旗下的一种消费信贷产品，原本可以灵活地根据用户的需求随时借取和还款。然而，自从最近改版之后，借呗只能通过分期方式还款，引起了广大用户的疑惑和不满。那么，为什么借呗只能分期了呢？

首先，为了理解这个问题，我们需要知道借呗是如何运作的。借呗是一种无抵押、无担保的消费信贷产品，通过与合作银行合作，蚂蚁金服为用户提供快速、方便的借款服务。用户可以根据自己的消费需求，随时借取一定额度的资金，并按照约定的时间进行还款。

然而，限制借呗只能分期还款的原因是多方面的。首先，对于借款人来说，分期还款意味着更长的还款周期，减轻了一次性偿还负担。在某种程度上，这有助于提高借款人的还款能力和还款意愿。其次，对于蚂蚁金服来说，分期还款可以提供更稳定的还款现金流。相对于一次性还款，分期还款可以使资金回笼更加平稳，降低了逾期风险。

然而，对于用户来说，借呗只能分期还款也存在一些不便之处。首先，分期还款可能会增加利息成本。因为分期还款需要延长还款周期，相应地也会增加利息支出。此外，用户无法一次性偿还的话，也会有一定的负担和压力。另外，借呗只能分期还款可能会限制用户的消费选择和自由度。如果用户只是短期内需要一笔小额借款，并且有足够的还款能力，那么只能分期还款可能并不符合他们的需求。

总的来说，借呗只能分期还款是出于多方面的原因考虑。对于蚂蚁金服来说，这种方式有助于提高还款稳定性和降低逾期风险。对于用户来说，虽然分期还款可能会增加一些不便和成本，但也有助于减轻一次性还款压力，并提高还款能力。然而，对于某些用户来说，借呗只能分期还款可能并不符合他们的需求和消费习惯。

In English:

Why Can Only Installments Be Used for Ant Jiebei?

Ant Jiebei is a consumer credit product under Ant Financial, which used to offer flexible borrowing and repayment options according to users' needs. However, since the recent update, Ant Jiebei can only be repaid in installments, causing confusion and dissatisfaction among many users. So why is Ant Jiebei limited to installment repayment?

Firstly, to understand this issue, we need to know how Ant Jiebei works. Ant Jiebei is an unsecured consumer credit product that collaborates with partner banks to provide fast and convenient lending services to users. Users can borrow a certain amount of funds based on their consumption needs and repay them according to the agreed-upon time.

However, there are multiple reasons for restricting Ant Jiebei to installment repayment. Firstly, for borrowers, installment repayment means a longer repayment period, reducing the burden of a one-time repayment. To some extent, this helps improve borrowers' repayment capacity and willingness. Secondly, for Ant Financial, installment repayment provides a more stable cash flow for repayments. Compared to a one-time repayment, installment repayment allows for smoother fund inflow, reducing the risk of default.

However, there are inconveniences for users when Ant Jiebei can only be repaid in installments. Firstly, installment repayment may increase interest costs. Since installment repayment extends the repayment period, it also increases the interest expenses correspondingly. Additionally, users may face burdens and pressures if they cannot repay the loan in a lump sum. Moreover, limiting Ant Jiebei to installment repayment may restrict users' choices and freedom in consumption. If a user only needs a small amount of short-term borrowing and has sufficient repayment capacity, the option of only installments may not meet their needs.

In conclusion, the limitation of Ant Jiebei to only installment repayment is considered for multiple reasons. For Ant Financial, it helps improve repayment stability and reduce the risk of default. For users, although installment repayment may bring some inconveniences and costs, it also reduces the pressure of a one-time repayment and improves repayment capacity. However, for certain users, the limitation of only installment repayment may not align with their needs and consumption habits.