select product_id, round(if(count()!=0,sum(if_click)/count(),0),3) as ctr, round(if(sum(if_click)!=0,sum(if_cart)/sum(if_click),0),3) as cart_rate, round(if(sum(if_cart)!=0,sum(if_payment)/sum(if_cart),0),3) as payment_rate, round(if(sum(if_payment)!=0,sum(if_refund)/sum(if_payment),0),3) as 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 asc