WITH customer_overdue AS ( -- 计算每个客户是否有逾期记录(overdue_days > 0) SELECT customer_id, MAX( CASE WHEN overdue_days > 0 THEN 1 ELSE 0 END ) AS is_overdue FROM loan_tb GROUP BY customer_id ) SELECT c.pay_ability, CONCAT ( ROUND(SUM(co.is_overdue) * 100.0 / COUNT(*), 1), '%' ) AS overdue_ratio FROM cu...