[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-364":3,"articles-for-recommend-364":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},364,"【宝藏票贷】上银发票贷plus，个体户也能做，企业+开票满1年准入！！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 18px;\">\u003C\u002Fspan>上银发票贷plus\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">还真是【宝藏票贷】，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">最大变化就是利息变低了\u003C\u002Fspan>，很多企业都是批3.31%年化，哪怕是加上融担一年期4.2%，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">比浦惠税贷都划算~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: left;\">\u003Cspan style=\"font-size: 16px;\">但是融担这种模式说实话要看老板，因为是\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">前置方式\u003C\u002Fspan>，所以要\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">提前沟通好\u003C\u002Fspan>，愿意的再进，这样\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">不浪费查询\u003C\u002Fspan>~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: left;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240617\u002Fab593d114c5cac72373fc19d2f7848bd.png\" title=\"ab593d114c5cac72373fc19d2f7848bd.png\" alt=\"ab593d114c5cac72373fc19d2f7848bd.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">产品优势：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">1.（重点）\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">行业除了金融业、房地产，其他都可以\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">（真的可以\u003C\u002Fspan>，哪怕是采矿业和黑色金属）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.利息低，上银plus年化\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">区间3.11~10.11%，月息低至2厘\u003C\u002Fspan>，加上4.2%前置都算低的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.企业时长要求短，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">成立满1年+开票满1年\u003C\u002Fspan>即可\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4.断票要求低，年断票不超过5次都行\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">5.除了企业，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">个体户也允许申请\u003C\u002Fspan>，只要有开票\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">也有劣势：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.前置担保费，客户如果不认可，不建议申请\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.进件区域不是很好，只有几个经济好的大省开通了\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.征信要求中规中矩，并不是很宽松，考虑到综合利率优势巨大也可以理解\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240617\u002F2de814506b8971c6a4c7b834eaa82ab2.png\" title=\"2de814506b8971c6a4c7b834eaa82ab2.png\" alt=\"2de814506b8971c6a4c7b834eaa82ab2.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"text-align: center; line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">------------------------------------\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">上银发票贷\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">额度：200万（\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">对私每日50万\u003C\u002Fspan>，余额次日提）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">期限：12期，循环额度，支持多笔提款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">利息：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">前置4.2%\u003C\u002Fspan>，银行年化费率3.11~10.11%\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">放款路径：上海银行直接\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">放款至客户绑定的一类银行账户\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">还款路径：主动还款至上海银行预还款账号\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">申请人：法定代表人（或个体工商户）且\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">持股比例≥10%\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">年龄：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">25至60周岁\u003C\u002Fspan>（含）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">企业要求：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">成立满1年，变更满1年，开票满1年\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">禁入行业：金融业、房地产业\u003C\u002Fspan>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">（其他任何都可以）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">准入区域：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">（执照注册地）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">北京市，天津市，上海市，浙江省，江苏省，广东省，四川省\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: left;\">\u003Cspan style=\"font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240617\u002Fd055dbdc8ccea0c8017519142b6f7061.png\" title=\"d055dbdc8ccea0c8017519142b6f7061.png\" alt=\"d055dbdc8ccea0c8017519142b6f7061.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: normal;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">开票规则：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">（1）最早一张发票距离查询当月＞12个月\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">（2）\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">最大断票≤3个月，无开票月份＜6个月\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">（3）近一年销项≥140万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">（4）\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">近3个月同比≥-60%，近6月同比≥-50%\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">征信规则：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.征信非白户\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.无当前逾期，贷款或者信用卡近2年无2，或累3次以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">近3月查询机构数≤7，近12个月查询机构数<12\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4.无其他征信异常显\u003C\u002Fspan>\u003C\u002Fp>","#上银发票贷plus","2025-07-10 18:15:40","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},665,10,67,1776829692347]