Business data of a certain product in a certain
Operating costs include direct operating costs consisting of taxation, data, etc., and indirect operating costs consisting of human resources, technology, etc. Under normal circumstances, operating costs need to be allocated based on the company's overall operating conditions, so the profitability of a single product in a single month is evaluated. At this time, we do not consider operating costs for the time being.month A certain credit product mainly provides personal business loans to individual industrial andcommercial households in the market. The average Guangdong Mobile Phone Number List annual pricing is %. The product term is periods. The amount is mainly concentrated between , and , The repayment method is equal principal and interest. In a certain month, the product million yuan was invested. After periods of performance, according to statistics, the interest income (including penalty interest) was million yuan, the principal of non-performing loans was million yuan, and the marketing cost (including profit distribution) was million yuan. At the same time, it was calculated based on the
https://lh7-us.googleusercontent.com/q2Ajlz6V8k9b1W0261ipBfDMqUW0IJ1uXPKFVOXnmK3JK-lgeRc3LlBt5n79oLZL5M_CMwfxpvMDZFDXPpbHIpGqH14qmu7aJ2gMOoxxonxDx23orLjMilZVE54yZwEVOegW6Jr-tKIKgzcG
company's overall capital cost rate. , the capital cost of the loan that month was about million. This evaluation method evaluates the profitability performance of credit products during a certain period of time in history from the perspective of financial income and cost. The evaluation product is a relatively typical Internet micro-credit product in the current Internet loan market. In the business model of Internet micro-credit products Since there is no manual intervention such as on-site investigation, telephone verification, manual approval, etc., the product elements of this type of product have certain similarities.
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