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利率模型
我们采用了 “三阶模型” 来确定借款利率，详细如下：
借款利率 = m * 资金利用率 + b
贷款利率 = 借款利率 * 资金利用率 * (1 - 贷款绩效费)
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
|---|---|---|---|---|
0% - 60% | 0% | 20% | 0.333 | 0 |
60% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
|---|---|---|---|---|
0% - 60% | 0% | 20% | 0.333 | 0 |
60% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
|---|---|---|---|---|
0% - 50% | 0% | 10% | 0.2 | 0 |
50% - 90% | 10% | 10% | 0 | 0.1 |
90% - 100% | 10% | 150% | 14 | -12.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 30% | 0% | 8% | 0.267 | 0 |
30% - 90% | 8% | 8% | 0 | 0.08 |
90% - 100% | 8% | 150% | 14.2 | -12.7 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 40% | 0% | 8% | 0.2 | 0 |
40% - 90% | 8% | 8% | 0 | 0.08 |
90% - 100% | 8% | 150% | 14.2 | -12.7 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 70% | 0% | 20% | 0.286 | 0 |
70% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 60% | 0% | 20% | 1/3 | 0 |
60% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 85% | 0% | 17.5% | 0.206 | 0 |
85% - 90% | 17.5% | 17.5% | 0 | 0.175 |
90% - 100% | 17.5% | 150% | 13.25 | -11.75 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 85% | 0% | 20% | 0.235 | 0 |
85% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
0% - 60% | 0% | 20% | 1/3 | 0 |
60% - 90% | 20% | 20% | 0 | 0.2 |
90% - 100% | 20% | 150% | 13 | -11.5 |
资金利用率区间 | 区间最小值时利率 | 区间最大值时利率 | m | b |
|---|---|---|---|---|
0% - 80% | 0% | 50% | 0.625 | 0 |
80% - 100% | 50% | 100% | 2.5 | -1.5 |
最近更新 1mo ago