[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-382":3,"articles-for-recommend-382":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},382,"为啥同行能批300万，你的微业贷却是0额度？原因讲的很透彻！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>做微众的小伙伴都知道，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">微业贷就是个傻瓜式产品\u003C\u002Fspan>，只要你符合产品基本要求，随便来做，但为啥很多企业批不下来呢？\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;\">总有一些风控规则是不在大纲中的，今天我们就这个隐形的审批规则，说白了也是\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">我们大量实操经历总结出来的经验，告诉你\u003C\u002Fspan>，为啥你的微业贷额度是0，0，0~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"text-decoration: underline; font-size: 16px;\">先说利好消息：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、微业贷是税贷，纳税评级原则上都有限制，实际上微众是个例外，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">纳税评级是D级也有小概率批款\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、小微企业和\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">个体工商户都不限制微业贷\u003C\u002Fspan>，但是企业类型不能为外资、港台合资和合伙企业（\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">重点，合伙不让进\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、成立满18个月（个体户满1年），可以把2年的概念丢啦啊\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; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240522\u002F089b5a83b2479a00a1ef3c7f90c4ad75.png\" title=\"089b5a83b2479a00a1ef3c7f90c4ad75.png\" alt=\"089b5a83b2479a00a1ef3c7f90c4ad75.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">大纲没有告诉你的事儿：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、微业贷说的是有纳税就可以，实际上近2年任一年度增值税纳税额有数据，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">没有10个月以上连续0申报是最好的\u003C\u002Fspan>，免税的不在此行列\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">为啥有的企业开票断的超级厉害，一年12个月也就开了四五个月票，但是微业贷还是有额度，纳税有数据和申报间隔符合是关键，像\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">其他税贷有6个月连续0申报就完了\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、欠税就不说了，税票贷都排斥，但是我们要注意啦，\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">近半年历史滞纳金次数≤3次，这个很重要\u003C\u002Fspan>，逾期缴纳才会有滞纳金，你让税贷的产品怎么放心你的缴税信誉\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);\">有小贷和消金的\u003C\u002Fspan>，结清并且注销更新了再做微业贷比较好，懂的自然懂，不懂的慢慢悟\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; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240522\u002Fd3233c9028edcd972bf4d9a9407b82fe.png\" title=\"d3233c9028edcd972bf4d9a9407b82fe.png\" alt=\"d3233c9028edcd972bf4d9a9407b82fe.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">再次普及微业贷\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、额度：最高500万（件均150没毛病）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、利率：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">年化3.6%-（讲真\u003C\u002Fspan>，上限17点多确实有，但是非常少见，新户优惠利率3.6起步属实）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、期限：最高24期、等额本金、\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">先息后本（匹配）\u003C\u002Fspan>、随借随还\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4、放款方式：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">对公到账（可以对私\u003C\u002Fspan>，但只能5万一笔，如果是100万，全部对私至少要20笔）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">准入要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、法人要求：\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">18-70周岁，0占股，无变更要求\u003C\u002Fspan>（工商信息同步即可）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、建议查询3个月不超8次，逾期较少，负债不超70%\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、公司及法人无诉讼信息或已结案\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; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240522\u002F67ed51779d75bfbf0ccdb868132a6cb2.png\" title=\"67ed51779d75bfbf0ccdb868132a6cb2.png\" alt=\"67ed51779d75bfbf0ccdb868132a6cb2.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"text-decoration: underline; color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192); text-decoration: underline; font-size: 16px;\">特别提醒\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">申请前务必先取消关注公众号\u003C\u002Fspan>\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);\">请先联系客服获取渠道二维码\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③出额度后及时（核额\u002F提款\u002F开户）报备\u003C\u002Fspan>\u003C\u002Fp>","#微业贷 #微众银行","2025-07-10 18:15:40","易企胜","",135,1,{"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},665,10,67,1776829692094]