Product profitability evaluation under

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Product elements. Since supervision requires entrusted payment for loans exceeding RMB ,, usually the maximum amount of such Internet loan products does not exceed RMB ,, and the average amount does not exceed RMB , Due to strict regulatory requirements for current loans not to exceed %, product pricing is usually between % and %; in order to ensure the effectiveness of Internet loan customer qualification assessment, the term of most such loans in the market is usually within terms; At the same time, in order to facilitate customers' planned


repayment, the repayment methods usually provided to customers Guangdong Mobile Phone Number List are equal principal and interest or equal principal. Therefore, this evaluation method has certain representativeness and can be used as a reference. Evaluation of the profitability of the product Product profit analysis Product net profit = product revenue - product cost = product revenue - (risk cost + capital cost + marketing cost) Therefore, without considering operating costs, the profit realized by the products launched in that month was approximately million.





APR caliber Product profitability evaluation under the APR caliber considers the nominal income performance of each income, cost and profit with reference to the loan amount. For example, the annual interest rate under the APR caliber = interest income/loan amount. Therefore, without considering operating costs, based on the APR caliber, the product's profitability is approximately %. The profitability of the product under the APR caliber can be used to compare the profitability of the product in different months.