[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-954":3,"articles-for-recommend-954":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},954,"为啥你做工行“税务贷”批不出来额度，90%的贷款中介都不知道这3个细节！","\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">能做工行经营快贷的好客户还是有的，甚至于负债高的一样有操作空间，那客户不懂找中介，中介不懂就瞎搞，然后被拒，这就是不专业了！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">这篇文章，老猫帮你把不专业的点指出来！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">先纠正一个理念，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">工行经营贷税务贷\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">肯定不是底线产品，也不是救急用的，银行产品懂的都懂，必然是有持续、稳定纳税行为才可以的，硬性不符的别送人头！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center; line-height: 2;\">\u003Cimg src=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FTmfaFiNTfE.png\" alt=\"WX20260106-162039@2x.png\" data-href=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FTmfaFiNTfE.png\" width=\"\" height=\"\" style=\"width: 440.00px;height: 625.08px;\">\u003C\u002Fp>\u003Cblockquote style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">客群是什么？\u003C\u002Fspan>\u003C\u002Fblockquote>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">1.企业成立满2年，有稳定的对公账户和纳税额度\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">2.纳税评级ABM的一般纳税人\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">3.近3个月有正常缴税记录，无欠税\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">4.企业类型包括有限责任公司、个人独资企业、合伙企业等\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cblockquote style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">申请门槛3大件\u003C\u002Fspan>\u003C\u002Fblockquote>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">企业主体：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">1.成立2年，注资50万以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">2.法人变更半年以上，近24个月有实缴税记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">征信+负债：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">这一条很重要，基本都是倒在这上面的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">1.个人征信无当逾，近2年无连三累六，个人信贷小于6家，网贷小于4家，卡率不超60%，近3月查询不超6次\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">2.企业贷款机构不超3家，工行做第四家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">3.企业+法人总负债小于80%年均开票金额（企业总负债不超500万）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">禁入行业：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">金融业、房地产业、采矿业、“两高一剩”行业：钢铁、煤炭、水泥、电解铝、造纸、化工等\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">申请入口：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">联系<易企胜数科>客服报备行口拿码申请\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">踩坑实战解析\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">坑 ① \u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">近3月不超6指的是贷款审批类查询\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，个人贷后管理查询不算，很多客户包括中介自己都分不清，申请前打一份详版核实\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">坑 ② \u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">企业贷款机构不超3家\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，指的是信用贷款，抵押不计入，但有些银行抵押产品可能被计入信用类，详版甄别一下\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">坑 ③ \u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">负债指的是实时负债\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，企业+个人总计不超过80%年均开票额，所以近期新增大额或开票下滑就很容易比例超标\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">最后要说的是，企业融资不是运气游戏，该规划还是要规划好的，做到有预期有经营动作\u003C\u002Fspan>\u003C\u002Fp>","工行经营快贷  税务贷","2026-01-06 16:21:29","易企胜","",184,1,{"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},665,10,67,1776829683259]