[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-578":3,"articles-for-recommend-578":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},578,"惠懂你【最强分析】为什么有额度却提不出来？真实原因找到了！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>最近在做\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">【建行惠懂你】\u003C\u002Fspan>，朋友圈一发，来问的不是怎么申请，而是有提额提不出来咋整？今天就发篇文章说说这个事儿，希望能给伙伴们一些处理思路！\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);\">两种额度：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">一种是模型额度，也就是企业经营开票纳税及经营数据在银行评估系统中得出的公式额度，其实就是参考额度，不等于真实授信\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">一种是实质性额度，也就是根据企业数据获得的模型额度扣减负债后的真实额度\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);\">为什么企业明明有额度，贷款还是被拒？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">举个栗子：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">你以为的额度：银行白纸黑字写“能借你100万”\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">实际的额度：这只是个“理论值”，相当于考试划重点——划了重点不代表你能及格\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; line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20250213\u002Fe7338ce2f776032b222934fa5728933d.png\" title=\"e7338ce2f776032b222934fa5728933d.png\" alt=\"e7338ce2f776032b222934fa5728933d.png\"\u002F>\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;\">这个图上有X06国税模型155万，但是AUM模型是741块，这就是\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">通道问题\u003C\u002Fspan>了，你走不对就出不来\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">有额度以后的最后一步，就是\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">评分卡\u003C\u002Fspan>，有额度也拒绝的比比皆是，评分不足嘛\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; line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20250213\u002Fd7176830a69c0361afb6af1477701610.png\" title=\"d7176830a69c0361afb6af1477701610.png\" alt=\"d7176830a69c0361afb6af1477701610.png\"\u002F>\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);\">举个栗子：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">上面国税模式确实是155万，但是征信有逾期，评分卡被拒，直接扣光分数，拒贷正常吧！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">再比如大数据发现办公地点是居民楼，填的却是写字楼，造假无疑\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">所以税务、社保、对公流水等基础数据做扎实了，就别留下征信逾期、司法纠纷这些硬伤\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; line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20250213\u002Feb8fec6779091fd3051001030f04cdd6.png\" title=\"eb8fec6779091fd3051001030f04cdd6.png\" alt=\"eb8fec6779091fd3051001030f04cdd6.png\"\u002F>\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;\">再就是\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">百行征信\u003C\u002Fspan>，有一些常见的行为习惯对百行扣减也很严重，所以才会出现反欺诈207拦截，现阶段\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">百行650分以上没事\u003C\u002Fspan>，低于650分的就很难受了\u003C\u002Fspan>\u003C\u002Fp>","#惠懂你 #建设银行","2025-07-10 18:16:05","易企胜","",149,1,{"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},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":24,"title":25,"cover_img":26,"is_pay":15,"create_time":27},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":29,"title":30,"cover_img":31,"is_pay":15,"create_time":32},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":34,"title":35,"cover_img":36,"is_pay":15,"create_time":37},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":39,"title":40,"cover_img":41,"is_pay":15,"create_time":42},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":44,"title":45,"cover_img":46,"is_pay":15,"create_time":47},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":49,"title":50,"cover_img":51,"is_pay":15,"create_time":52},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",{"id":54,"title":55,"cover_img":56,"is_pay":15,"create_time":57},1048,"2026线上融资风口！远东租赁凭什么火出圈？中小微企业主和助贷同行必看！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FNwQFsbCdh6.jpg","2026-02-09 12:16:34",{"id":59,"title":60,"cover_img":61,"is_pay":15,"create_time":62},1047,"惠懂你通宵操作！0票0税0银联流水也能批，朋友圈已刷屏！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002Fk5h8kJAQNC.jpg","2026-02-07 15:46:53",{"id":64,"title":65,"cover_img":66,"is_pay":15,"create_time":67},1044,"企业主亲测：金城银行金企贷，全线上操作，30分钟筛掉不合格客户！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F81bJXABxJf.jpg","2026-01-24 17:31:08",{"total":69,"per_page":70,"current_page":15,"last_page":71},669,10,67,1781452940331]