[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-318":3,"articles-for-recommend-318":16},{"code":4,"message":5,"data":6},200,"success",{"id":7,"title":8,"content":9,"keywords":10,"date":11,"author":12,"readTime":13,"category":13,"views":14,"summary":13,"is_pay":15},318,"上银发票贷全面调整！年开票20万以上就能准入，断票累计不超6次！","\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">如标题所示，上银发票贷确实调整了，目前相比同级别的企业税票贷优势很大~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">调整后优势：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; background-color: rgb(253, 234, 218); color: rgb(31, 73, 125);\">1、开票满足最低20万即可准入，只要近一年没有连断3次记录，近1个月有开票，全年累计开票有6个月即可，操作当月的开票不计入其中\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; background-color: rgb(253, 234, 218); color: rgb(31, 73, 125);\">2、个体户和小微企业都可以申请，只看实际开票记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; background-color: rgb(253, 234, 218); color: rgb(31, 73, 125);\">3、初审用的是原来厚沃宝的初筛风控，初审要出额度非常宽松\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; background-color: rgb(253, 234, 218); color: rgb(31, 73, 125);\">4、和厚沃宝额度也没有冲突，双批都没有问题\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240327\u002Fb47f129665c27da3e54762afeeb9aaed.png\" title=\"b47f129665c27da3e54762afeeb9aaed.png\" alt=\"b47f129665c27da3e54762afeeb9aaed.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); text-decoration: underline;\">\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); text-decoration: underline; letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">最新产品大纲：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、最高额度\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">上限开放200万\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、还款方式等额本息，\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">利息标准18%，对标苏宁\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、还款周期12期\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">个人要求：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、申请人身份：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">为经营主体的\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; background-color: rgb(253, 234, 218); color: rgb(31, 73, 125);\">法定代表人（或个体工商户）且持股比例≥10%\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、申请人年龄：\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">25周岁（含）-60周岁（含）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、禁入客群：被执行人、失信人、罪犯及嫌疑人名单等负面信息\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">企业要求：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、注册资本≥5万，企业成立＞1年，\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">法人变更＞1年\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、企业类型：有限责任公司、股份有限公司、个体工商户\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、开票＞1年，近1年断票＜6个月，最大断票＜3个月，近1年销项＞20万，\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">近3月销项同比下滑＜60%，近6月销项同比下滑＜50%\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">4、禁入行业：金融业、房地产业 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">征信要求：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、非白户，必须有贷款记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、无当前逾期，近2年无2及以上，无累3\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">近3个月审批查询机构数≤8（去重），近12个月查询机构数<16（去重）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">开放地区：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(31, 73, 125); background-color: rgb(253, 234, 218);\">北京、上海、天津、浙江、江苏、广东、四川\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240327\u002F4504bc22b4d487655e9efc1c1288c628.png\" title=\"4504bc22b4d487655e9efc1c1288c628.png\" alt=\"4504bc22b4d487655e9efc1c1288c628.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">最后说偏好画像，肯定有个80%概率可以批的小标准：\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、有房贷记录是最好的，说明有资产\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、近1年销售经营是增长或持平的，就是下滑尽量在30%以内还是比较理想的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、最好没有逾期，历史有个几次其实无所谓，近2年没有最好\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">4、负债永远都是信贷的拦路虎，包括信用卡使用率能少则少\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">5、开票金额大于200万，算是能批出来一个差不多额度标配\u003C\u002Fspan>\u003C\u002Fp>","#上银发票贷","2025-07-10 18:15:33","易企胜","",131,1,{"code":4,"message":5,"data":17,"meta":68},[18,23,28,33,38,43,48,53,58,63],{"id":19,"title":20,"cover_img":21,"is_pay":15,"create_time":22},1062,"微众个人经营贷（个体户）到底符合什么资质才能批出来额度？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FaZs5ZxjCJx.png","2026-04-16 09:46:33",{"id":24,"title":25,"cover_img":26,"is_pay":15,"create_time":27},1061,"富民银行发票贷—富业贷重磅回归，需查白名单，2026年3月最新申请大纲！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FE5WxtMY6Yf.png","2026-03-30 16:48:24",{"id":29,"title":30,"cover_img":31,"is_pay":15,"create_time":32},1060,"商户贷陪跑必看：不搞懂银行流水，你永远贷不到钱！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FNJtXwecC1i.jpg","2026-03-26 12:29:09",{"id":34,"title":35,"cover_img":36,"is_pay":15,"create_time":37},1059,"2026年最新总结：交通银行惠民贷出额逻辑！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FbEbFYfMNkr.png","2026-03-23 11:37:05",{"id":39,"title":40,"cover_img":41,"is_pay":15,"create_time":42},1058,"建行惠懂你：个体户26年3月最新贷款标准、出额规则、扣减规则！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FrpYsAnFFhd.jpg","2026-03-19 16:15:54",{"id":44,"title":45,"cover_img":46,"is_pay":15,"create_time":47},1057,"助贷中介必看：企业融资税票贷注意事项！（小白科普文）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F3FQjXYA5wX.jpg","2026-03-18 10:36:31",{"id":49,"title":50,"cover_img":51,"is_pay":15,"create_time":52},1056,"为什么都做交通惠商贷2.0，少有人做普惠e贷，原因很简单！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FhJhwTcfkzA.png","2026-03-16 16:05:41",{"id":54,"title":55,"cover_img":56,"is_pay":15,"create_time":57},1055,"今年315为啥没有曝光助贷的事儿？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FFB7PBE5CSf.png","2026-03-16 10:45:17",{"id":59,"title":60,"cover_img":61,"is_pay":15,"create_time":62},1054,"日不落产品—微业贷，营业执照满1年即可准入，股东持股10%可申请！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FC4hx8X68t7.png","2026-03-05 14:56:43",{"id":64,"title":65,"cover_img":66,"is_pay":15,"create_time":67},1053,"2026交通银行经营贷—惠商贷2.0最新产品图文操作流程（建议收藏）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F6R5PdehEpn.png","2026-02-28 10:08:03",{"total":69,"per_page":70,"current_page":15,"last_page":71},665,10,67,1776829691196]