[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-450":3,"articles-for-recommend-450":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},450,"惠商贷—交通银行商户贷，小微+个体户都来，有银联流水、纳税、烟草证都来，全程安排！","\u003Cp>\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"color: rgb(255, 0, 0);\">\u003Cstrong>交通惠商贷\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>—注册地在交通银行网点的来干，企业类型多，客群也广泛，全程安排下户，来搞！\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20241119\u002F0c1063bb53accc666a00814568f2bded.png\" title=\"0c1063bb53accc666a00814568f2bded.png\" alt=\"0c1063bb53accc666a00814568f2bded.png\"\u002F>\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;\">惠商贷产品要素\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">最高金额：300万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">年化利率：3.15%~9.45%\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">贷款期限：授信期24月，单笔期限12月\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">担保方式：信用为主；如有配偶要做共借人\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">还款方式：先息后本，随借随还\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">提前还款：无违约金\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">惠商贷准入要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">一、个人要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">①申请年龄：20-65周岁\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②申请人占股比例：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1）个体工商户：申请人为个体工商户营业执照的\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">经营者为本人\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2）小微企业主：申请人为经营实体的\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">法定代表人且持股比例20％以上\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20241119\u002Fdfab34f309d8ad062393cdd9ea4a68cf.png\" title=\"dfab34f309d8ad062393cdd9ea4a68cf.png\" alt=\"dfab34f309d8ad062393cdd9ea4a68cf.png\"\u002F>\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;\">二.企业要求 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①有纳税的有限公司、个人独资企业或者有银联流水和收款码的个体工商户\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">②注册时间2年以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③企业经营稳定，法定代表人、股东、经营范围\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">1年内变更不频繁\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">三. 纳税企业要求 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">①年开票（营业额）：近12个月不低于100万元\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">②年纳税：近12个月缴税总额不低于1万元 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③纳税等级要求：A\u002FB\u002FM\u002FC级\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④当前不得有欠税，近12个月未在重点违法违章名单中\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑤最近一期增值税申报表按时申报\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">四. 银联商户要求 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①商户收款通过银联渠道清算\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">②近1个月有结算额（结算额大于0）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">③银联收款码收款满2年\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④近12个月无卡交易（微信、支付宝等）总金额大于2万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20241119\u002F6950e36985cbc71a6b0a8b83b72564d2.png\" title=\"6950e36985cbc71a6b0a8b83b72564d2.png\" alt=\"6950e36985cbc71a6b0a8b83b72564d2.png\"\u002F>\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;\">五. 征信要求 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①逾期要求：不能有当前逾期，2年内不能连3累6\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">②负债要求：无具体要求，以出额为准\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">③查询要求：企业近3个月查询次数不超过8次\u003C\u002Fspan>；个体户近90天查询机构数不超过5个\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④个人征信报告上没有严重的逾期历史；不存在频繁申请贷款或信用卡的行为\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">六. 禁入行业 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">金融、房地产、典当等企业\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">七. 准入区域 \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">全国（\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">有交通银行网点的城市，报企名来对接\u003C\u002Fspan>）\u003C\u002Fspan>\u003C\u002Fp>","#惠商贷 #交通银行","2025-07-10 18:15:53","易企胜","",148,1,{"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},1104,"易企胜数科SaaS平台入驻教程","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002Fi5rx72MRM8.png","2026-07-08 15:56:56",{"id":24,"title":25,"cover_img":26,"is_pay":15,"create_time":27},1105,"电销必看：标记取消平台汇总，附详细取消流程","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F7KT7W2Dc8F.png","2026-07-09 15:32:57",{"id":29,"title":30,"cover_img":31,"is_pay":15,"create_time":32},1095,"惠懂你暂不符合怎么解决？10个常见原因及自查方法","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FTFsPEMTEyb.png","2026-06-17 17:46:05",{"id":34,"title":35,"cover_img":36,"is_pay":15,"create_time":37},1094,"税贷上新-平安普惠【优税贷】企业经营贷，最高150万，真实经营满1年，纯线上审批放款！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FjZnQK6yZRb.jpg","2026-06-06 15:06:06",{"id":39,"title":40,"cover_img":41,"is_pay":15,"create_time":42},1074,"京东企业主贷史诗级加强，暴涨至最高200万额度，利率最低3.65%起，速进查阅最新变化！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FSf1dcShR5X.png","2026-05-25 11:20:57",{"id":44,"title":45,"cover_img":46,"is_pay":15,"create_time":47},1073,"百信学历贷更新双通道，高学历客群可做，工薪社保客群也能申请啦！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002Ff77hnEJSra.png","2026-04-25 10:23:48",{"id":49,"title":50,"cover_img":51,"is_pay":15,"create_time":52},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":54,"title":55,"cover_img":56,"is_pay":15,"create_time":57},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":59,"title":60,"cover_img":61,"is_pay":15,"create_time":62},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",{"id":64,"title":65,"cover_img":66,"is_pay":15,"create_time":67},1052,"2026首推爆品：远东设备信用贷，8大优势横扫助贷市场！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FKRH87Rky66.jpeg","2026-02-25 16:10:28",{"total":69,"per_page":70,"current_page":15,"last_page":71},672,10,68,1784995343176]