select product_id,round(sum(if_click)/count(1),3) as ctr
,round(sum(if_cart)/sum(if_click),3) as cart_rate
,round(sum(if_payment)/sum(if_cart),3) as payment_rate
,round(sum(if_refund)/sum(if_payment),3) as refund_rate
from tb_user_event
where DATE_FORMAT(event_time,"%Y%m") = '202110'
group by product_id
having sum(if_refund)/sum(if_payment)<=0.5
order by product_id