[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-505":3,"articles-for-recommend-505":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},505,"关于浦发惠闪贷用什么码，还能不能批，客群什么标准才好批的说明！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>今天聊个严肃的主题，\u003Cspan style=\"color: rgb(0, 112, 192);\">浦发银行—惠闪贷商户贷！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">这是个让兄弟们又爱又恨的产品，目前已知\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">有3种客群\u003C\u002Fspan>批核最为普遍，分别是\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">有银联收款的、企业有开票的、有烟草证的\u003C\u002Fspan>！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">特别是有烟草证的客群，市面上大多数的烟草贷都是要求有烟档的，至少10级以上，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">浦发的没有，包括交通惠商贷\u003C\u002Fspan>，对于烟草客群同样是没有烟档等级要求！\u003Cspan style=\"font-size: 16px; background-color: rgb(255, 255, 0);\">（拿码联系客服）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; background-color: rgb(255, 255, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\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\u002F20250113\u002F93b97c37309eb39a2ff9cbeecdeb4ada.png\" title=\"93b97c37309eb39a2ff9cbeecdeb4ada.png\" alt=\"93b97c37309eb39a2ff9cbeecdeb4ada.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">言归正传：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">经过我和多方沟通的结果，虽然惠闪贷改了至少3版了，但是客群依然很看重一点：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 24px; color: rgb(255, 0, 0);\">信用卡使用率！！！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">这个卡率一定是越低越好，浦发批额的标准还不明朗，因为负债高有批的，查询多也有批的，所以网上发的那些标准对也不对，只能说仅供参考！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">好批的客群：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">包括但不限于历史浦发留存客户，有浦发信用卡在用的，有浦发房贷记录的，和浦发关联比较多的，这类客群就是好批！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">预审额评估：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">每个银行都有自己的流水覆盖标准，他行的暂且不说，浦发的相对要宽松很多，这里有个参考案例，仅供参考哦！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\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\u002F20250113\u002Fc9499d161eda5155305a8ca9784ea897.png\" title=\"c9499d161eda5155305a8ca9784ea897.png\" alt=\"c9499d161eda5155305a8ca9784ea897.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 1.5em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">最后聊下降息：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">现在有额度又不愿意提的，就想降息的先等等，我知道你急，但是你别急，总行现在还没有下发政策，等着就完事了，等不急的就提，像出30万额度，利息6点多的，妥妥的先息后本，别矫情，没啥好降的，提了就完事了！\u003C\u002Fspan>\u003C\u002Fp>","#惠闪贷 #浦发","2025-07-10 18:16:00","易企胜","",146,1,{"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},665,10,67,1776829689143]