[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-336":3,"articles-for-recommend-336":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},336,"民生银行 | 民生惠信用贷，可加白名单，最高300万，在网点地区速联！","\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>申请之前，请将\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">\u003Cem>企业名称、企业开票，企业负债\u003C\u002Fem>\u003C\u002Fspan>发至我司客服，查询是否准入白名单\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>查询准入后，方可进件，秒查，秒做，秒批\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>目前可加白地区：\u003C\u002Fstrong>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cstrong>\u003Cem>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">河南、上海、深圳\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002Fb5071ff710c05120160196747412c60a.png\" title=\"b5071ff710c05120160196747412c60a.png\" alt=\"b5071ff710c05120160196747412c60a.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">民生惠·信用贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">一、产品信息\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、额度：\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-size: 16px; color: rgb(255, 0, 0);\">最高300万\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、利息：\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-size: 16px; color: rgb(255, 0, 0);\">年化3.65%-12%\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、还款期限：最长60期，\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">先息后本、等额本息\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">二、准入要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">申请人要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-size: 16px; color: rgb(255, 0, 0);\">年龄20-65周岁\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、法人变更满半年\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、持股比例，最低20%，低于30%需要添加担保人，低于51%需要开股东会\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cem>\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0); text-decoration: underline;\">（0占股法人实测\u003C\u002Fspan>\u003C\u002Fem>\u003Cspan style=\"font-size: 16px;\">也允许提交审批，需添加实控人股东授权）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">企业要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、企业成立1年以上，纳税满12个月可以尝试\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">\u003Cem>纳税等级：A、B、M\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、开票纳税，开票500万以上或纳税5万以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">征信要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、负债要求，\u003C\u002Fspan>\u003Cem>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">销贷比不超50%\u003C\u002Fspan>\u003C\u002Fem>\u003Cspan style=\"font-size: 16px;\">；\u003Cspan style=\"font-size: 16px; color: rgb(112, 48, 160);\">\u003Cstrong>个人建议信用贷不超500万就整~\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、查询要求，1个月6次，3个月10次白名单客户可以适当放松\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-size: 16px; color: rgb(255, 0, 0);\">当前不能有未结清被告诉讼\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">申请资料\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">身份证、银行卡、实名手机号、\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cem>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">税局账密\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">申请流程\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">白名单准入-扫码申请（数据授权）-审核通过-开立对公账户-签约提款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">准入地区\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cem>\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0); text-decoration: underline;\">以民生网点为准，当地有网点的基本都可以做\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002Ffe7984001a545300cc81a11f67a8a715.png\" title=\"fe7984001a545300cc81a11f67a8a715.png\" alt=\"fe7984001a545300cc81a11f67a8a715.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002Fb03beef23fce4d1c37e861b425ada36d.png\" title=\"b03beef23fce4d1c37e861b425ada36d.png\" alt=\"b03beef23fce4d1c37e861b425ada36d.png\"\u002F>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002Fba3e7cc8e5d057d964d56b1d14395c42.png\" title=\"ba3e7cc8e5d057d964d56b1d14395c42.png\" alt=\"ba3e7cc8e5d057d964d56b1d14395c42.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002F22c4ed27abc535464e1e1e97f34b3bec.png\" title=\"22c4ed27abc535464e1e1e97f34b3bec.png\" alt=\"22c4ed27abc535464e1e1e97f34b3bec.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240307\u002F1888d9b4fd46d5aa54a05f819ff17507.png\" title=\"1888d9b4fd46d5aa54a05f819ff17507.png\" alt=\"1888d9b4fd46d5aa54a05f819ff17507.png\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">三、如何查民生惠白名单\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">申请之前，请将\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cem>\u003Cspan style=\"text-decoration: underline; font-size: 16px; color: rgb(255, 0, 0);\">企业名称、企业开票，企业负债\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">发至我司客服，查询是否准入白名单\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">查询准入后，方可进件，秒查，秒做，秒批\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cem>\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0); text-decoration: underline;\">\u003Cstrong>个人建议民生惠客群：\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>①至少2年以上，变更1年，ab级，纳税大于5000，应税销售大于40万\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>②近2年逾期不能有2，累逾不超4\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>③近1月查询不超4家机构，不超6次\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong>④贷销比不超70%，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">个人信贷不超150万\u003C\u002Fspan>，信用卡使用率不超70%\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>","#民生银行 #民生惠","2025-07-10 18:15:33","易企胜","",140,1,{"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},665,10,67,1776829690884]