select product_id,
round(sum(if_click)/count(1),3) ctr,
round(sum(if_cart)/sum(if_click),3) cart_rate,
round(sum(if_payment)/sum(if_cart),3) payment_rate,
round(sum(if_refund)/sum(if_payment),3) refund_rate
from tb_user_event
where DATE_FORMAT(event_time,'%Y-%m') = '2021-10'
group by product_id
having refund_rate <= 0.5
order by product_id