[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-627":3,"articles-for-recommend-627":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},627,"全河南中小微企业、个体工商户注意，强解工商银行“人工核实”经营快贷，小额也能处理！","\u003Cp style=\"text-align: start;\">\u003Cspan style=\"color: rgb(216, 68, 147);\">“人工核实”——工商银行\u003C\u002Fspan>2025年越来越多企业老板、个体户经营者遇到，这就是有额度的标志，但是怎么解决呢？！\u003C\u002Fp>\u003Cp style=\"text-align: start;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: start;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">重点提示：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: start;\">不管你有多少关系，\u003Cspan style=\"color: rgb(54, 88, 226);\">企业真实实体和真实经营都是解决人工核实\u003C\u002Fspan>，核心考察的重点！\u003C\u002Fp>\u003Cp style=\"text-align: start;\">\u003Cimg src=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FfNS1cBPH1c.png\" alt=\"WX20250821-161217@2x.png\" data-href=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FfNS1cBPH1c.png\" width=\"\" height=\"\" style=\"\">\u003C\u002Fp>\u003Cp style=\"text-align: start;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: start;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">我们了解为啥会有这个提示？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: start;\">1、近1年有法人变更\u003C\u002Fp>\u003Cp style=\"text-align: start;\">经营贷一般要求不要有频繁的法人变更，如果有，最少也要满半年以上\u003C\u002Fp>\u003Cp style=\"text-align: start;\">2、经营数据下滑\u003C\u002Fp>\u003Cp style=\"text-align: start;\">比如流水明显变少，银行是不是要通过人工核实的方式，来确认经营情况是否真的有问题（联系我们客服）\u003C\u002Fp>\u003Cp style=\"text-align: start;\">另外就是抓不到有效数据，系统没有办法准确评估结果\u003C\u002Fp>\u003Cp style=\"text-align: start;\">3、征信问题\u003C\u002Fp>\u003Cp style=\"text-align: start;\">法人征信不良或逾期记录必然是有影响的，直接表现就是触发人工审核或者干脆拒绝\u003C\u002Fp>\u003Cp style=\"text-align: start;\">4、触发风险预警\u003C\u002Fp>\u003Cp style=\"text-align: start;\">系统命中反欺诈、反洗钱系统，可能是企业行为，也可能是个人的交易行为、资金流向等存在异常\u003C\u002Fp>\u003Cp style=\"text-align: start;\">其实还有多头借贷，也会触发风险预警\u003C\u002Fp>\u003Cp style=\"text-align: start;\">5、额度过大\u003C\u002Fp>\u003Cp style=\"text-align: start;\">有些时候不是你的问题，反而是地区限制，额度过大银行就会要求上门核实信息，也会触发人工预警\u003C\u002Fp>\u003Cp style=\"text-align: start;\">这种情况应该感到高兴，起码说明有额度，有问题解决问题就可以了（联系我们客服）\u003C\u002Fp>","工行经营快贷人工核实","2025-08-22 16:51:24","易企胜","",105,1,{"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},665,10,67,1776829686716]