[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-327":3,"articles-for-recommend-327":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},327,"全网最强攻略6000字，小微企业税贷和发票贷宝典教学，干中介必看！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(255, 0, 0);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"text-decoration: underline; font-size: 16px; font-family: 微软雅黑; letter-spacing: 0px;\">本文适用人群：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">企业主、金融小白、中介散人、金融电销、地推业务员\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\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;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2024小微企业线上税票贷：逻辑+流程+攻略\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">税贷票贷区别\u003C\u002Fspan>\u003C\u002Fstrong>\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;\">从字面来讲，税贷看纳税，票贷看开票数据，这个逻辑没啥好反驳的，只是从行业角度来说稍微有区别\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税贷，以纳税金额核定贷款金额，一般看增值税+企业所得税，利率比票贷低一点，多随借随还\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; 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);\">（微众、苏宁等）\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;\">②票贷，以票定贷模式的贷款，主要看销项发票，更多老板喜欢用于短期资金周转，多等额本息\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在还款和利率上，税贷先息后本、随借随还的多，票贷等额的多；在额度上，税贷是年纳税5-10倍，优质最高30倍，票贷则是开票总额的20%\u003C\u002Fspan>\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240313\u002F696c0aa21f23c97763e619d80b2550fa.png\" title=\"696c0aa21f23c97763e619d80b2550fa.png\" alt=\"696c0aa21f23c97763e619d80b2550fa.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">税票贷申请流程\u003C\u002Fspan>\u003C\u002Fstrong>\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了解产品所在地区、提前授权（部分产品）、采集企业纳税开票数据\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline;\">（有三方码可查）\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;\">②查询企业及法人征信，异常的不要\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针对企业匹配合适的信贷产品，企融帮数科有这项协助服务，联系客服给出专业建议和方案\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">税票贷主要指标\u003C\u002Fspan>\u003C\u002Fstrong>\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;\">纳税额\u002F开票额：年缴税要求在2万以上（小于5万其实出的很小），还是越多越好，开票起码50万以上，一般少于200万的没啥看头，只有个别产品有按揭资产才会批大额\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline;\">（比如掌柜、企融快贷）\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;\">企业情况：经营满2年以上，法人或股东持股比例较高，刚满1年的企业能做的不多\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;\">纳税等级：标准五档A\u002FB\u002FC\u002FD\u002FM级，少数银行接受C\u002FM级，部分M级企业纳税较高其实影响不大，D级不建议\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">\u003Cem>（渣打无视D级）\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;\">纳税逾期\u002F断票：当前逾期的必须结清，连续断票有2，累计断票有3的都不好做\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline;\">（典型的是浦发）\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;\">负债率：贷销比一般不能超过70%，最好控在50%以内\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;\">其他：查花\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">\u003Cem>（无视查询企链贷）\u003C\u002Fem>\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">、涉诉、失信、被执行、营收严重下滑（\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; text-decoration: underline;\">亿数80%下滑\u003C\u002Fspan>\u003C\u002Fem>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">也能批出来）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">影响批核的关键因素\u003C\u002Fspan>\u003C\u002Fstrong>\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申请人征信、当前欠税、连续断缴6期以上、评级过低、断票有2有3以上、累断有3以上、下滑50%以上\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成立2年以上，真实经营，非禁入行业、是增值税纳税人（含一般纳税人和小规模纳税人）\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涉诉和负债率，说实话这个真的要看产品，不同产品风控绝对不同\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">篇幅有限，更多金融知识、审贷问题联系客服沟通，都是在一线实战申请过的小姐姐小哥哥哦~\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fp>","#企业贷 #税票贷 #渣打发票贷 #渣打逸商贷","2025-07-10 18:15:33","易企胜","",132,1,{"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},665,10,67,1776829690860]