[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-434":3,"articles-for-recommend-434":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},434,"【小白科普文】做企业贷需要客户具备什么条件，申请前准备什么材料！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">线上企业贷，顾名思义99%产品都是\u003Cspan style=\"color: rgb(255, 0, 0);\">纯线上申请，纯线上放款\u003C\u002Fspan>，需要客户具备的条件和准备的资料，其实很简单~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">客群，并不是一定要开公司的才能做，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">个体户性质有开票纳税的\u003C\u002Fspan>一样有产品可以申请，没有的做普通执照贷~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240725\u002F387d2487f8eb4a7546bee22949edc958.png\" title=\"387d2487f8eb4a7546bee22949edc958.png\" alt=\"387d2487f8eb4a7546bee22949edc958.png\"\u002F>\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=\"color: rgb(255, 0, 0); font-size: 16px;\">贷前检查：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.检查营业执照是否注册满一年，一般需满两年（\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">不满两年可操作的产品也有不少\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.检查企业纳税评级，一般要求为\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cstrong>A，B，M，C\u003C\u002Fstrong>\u003C\u002Fspan>等级（也有\u003Cspan style=\"font-size: 16px; text-decoration: underline;\">\u003Cstrong>D\u003C\u002Fstrong>\u003C\u002Fspan>批款案例，评级以电子税局为准）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.检查企业是否当前被执行（以\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">企查查\u003C\u002Fspan>记录为准，特别是不能有借贷纠纷）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4.企业征信不能有不良，个人征信不能有当前逾期（\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">以最新征信为准\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">5.\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">了解开票纳税\u003C\u002Fspan>情况，欠税违章等记录（评估额度）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">申贷条件：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.年龄要求：18-70周岁（\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">多数产品下限22周岁，上限60周岁\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.身份要求：法人（0占股可做）或\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">股东（实控人）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.纳税等级：A\u002FB\u002FM\u002FC（部分D以下可做）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4.准入条件：注册年限一般大于2年、开票情况、经营数据（各产品需求不一）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"text-align: center; font-size: 16px;\"> \u003C\u002Fspan>\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240725\u002Fe4bc6d33a1814e08223964c9636c3fb3.png\" title=\"e4bc6d33a1814e08223964c9636c3fb3.png\" alt=\"e4bc6d33a1814e08223964c9636c3fb3.png\"\u002F>\u003Cspan style=\"text-align: center; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">产品大纲：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">市面上企业税票贷产品众多，每个产品要求不一样，具体看产品大纲\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.贷款周期：\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">3-36个月\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.额度介绍：单家银行额度最高500万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.还款方式：\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">等额本息\u003C\u002Fspan>，等额本金，先息后本，随借随还\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4.产品利率：年化3.6%-24%（高中低息产品都有，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">利息根据客户实际资质评估\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">5.放款时效：最快5分钟（纯线上更便捷）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">申请流程：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">根据企业资质，匹配对应产品（\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">小白刚进入行的及时联系\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">企融帮\u003C\u002Fspan>客服协助匹配\u003C\u002Fspan>），\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">银税互动\u003C\u002Fspan>授权，操作进件申请，银行审核放款，企业贷款成功\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1.必备材料：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">身份证、法人\u002F股东实名手机号、营业执照、银行卡、\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">对公账户（具体看产品）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2.税贷：\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">税局账号密码\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3.票贷：税局账号密码+税盘（极个别情况才会用到）\u003C\u002Fspan>\u003C\u002Fp>","#科普","2025-07-10 18:15:46","易企胜","",133,1,{"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},665,10,67,1776829692233]