Over the past six months, the share of accounts paying only the minimum has risen from 8% to 12%, and full payers have dropped from 45% to 40%. Delinquency hasn't moved yet, and interest income is actually up. We have a statement table with each customer's monthly statement balance, minimum due, and amount paid. How do you interpret this trend, and how would you calculate these two shares in SQL?

过去六个月，我们每月只还最低还款额的账户占比从8%升到了12%，全额还款的占比从45%降到40%，但逾期率还没变，利息收入反而涨了。有一张账单表，记录每个客户每月的账单金额、最低还款额和实际还款额。你怎么解读这个趋势？用SQL怎么算出这两个占比？