Today, I asked Doubao to help me do some calculations about online lending, so as long as the online lending company recovers most of the money, it is not losing money; everything else recovered is profit. Borrow less, earn more!

Suppose the bank lends to the online lending company at an interest rate of 3%, and the online lending company lends to borrowers at an interest rate of 18%. For example, the bank lends 10 million yuan to the online lending company, which in turn lends to each borrower 100k yuan, totaling 100 people, each borrowing for 12 periods. If only 88% of the borrowers can repay normally until the 12th period, with 4% repaying 5 periods, leaving 7 periods unpaid; 4% repay 9 periods, leaving 3 periods unpaid; and 4% only repay 3 periods, leaving 9 periods unpaid, then please calculate how the online lending company needs to repay to break even. Based on the above logic, is the online lending company losing or making money? If making money, how much? If losing, how much?
Doubao:
1. Basic Conditions

- Single loan: 100k yuan, 12 periods
- Online lending annual interest rate 18%, monthly interest rate 1.5%
- Equal principal and interest monthly payment per person: 9,167.9993 yuan
- Bank lends 10 million yuan, annual interest rate 3%, total principal and interest cost for one year: 10,300,000 yuan
- Repayment structure for 100 people:
- 88 people: repay full 12 periods
- 4 people: only repay 5 periods
- 4 people: only repay 9 periods
- 4 people: only repay 3 periods

2. Total repayment periods
88×12 + 4×5 + 4×9 + 4×3 = 1,124 periods
3. Total repayment to the online lending platform
9,167.9993 × 1,124 = 10,304,831.20 yuan
4. Profit and loss calculation
10,304,831.20 - 10,300,000 = 4,831.20 yuan
Conclusion

Under your repayment ratio:
The online lending company just breaks even and makes a small profit, about 4,831.20 yuan.

This is the critical point: 88% fully repaid + 4% repaid 5 periods + 4% repaid 9 periods + 4% repaid 3 periods, just breaking even and making a few thousand yuan profit.