[{"data":1,"prerenderedAt":69},["ShallowReactive",2],{"article-1056":3,"articles-for-recommend-1056":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},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！","\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">惠商贷和普惠e贷都是交通银行的经营性贷款，为什么前者比后者更受欢迎呢？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">不仅仅是因为惠商贷对私放款，普惠e贷对公放款，也不是因为申请企业性质限制，答案很简单：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">① 惠商贷是 “多维度取高值”，不硬扣负债\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">② 普惠 e 贷是 “单维度取低值 + 到期负债硬扣”\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">今天我们就2个产品对比下区别，看看如果是你的客户，你该怎么选择给他做交通的哪个产品！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">2026年交通最新产品大纲公众号“易企胜数科”领取。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">什么是多维度\u002F单维度？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">多维度：我们可以先肤浅的把惠商贷和建行惠懂你画个等号，因为他俩的授信模型很相似，可以用aum值，可以用纳税，可以用流水，可以用....这种多渠道出额方式，取最高值。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">单维度：按纳税或营收单算，比如纳税的X倍或营收的Y%比例，取最低值。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">经常和税票贷打交道的小伙伴到这里基本都懂了吧，如果不常做税票贷的，我们\u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">举个简单的例子：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">某企业成立3年，近1年开票300万，纳税6万，到期负债80万...\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">惠商贷：假如纳税6万✖15倍=90万，银联300万的20%是60万，取最高值就是90万，不硬扣到期负债（只是不按公式扣）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">普惠e贷：假如纳税6万✖4倍=24万，营收30%是90万，取最低值就是24万预授信，扣减到期负债80万，负数拒绝\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">结论是什么？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">惠商贷适合开票纳税一般，但是流水\u002Faum不错的企业；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">普惠e贷适合开票纳税高、能做担保\u002F抵押的企业。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">怎么选呢？\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">其实老猫个人更倾向于惠商贷2.0，多维度可以让企业得到更多的授信机会，那如果当地行口有惠商和普惠e同放的政策，那同时做也很OK啊！\u003C\u002Fspan>\u003C\u002Fp>","交通惠商贷","2026-03-16 16:05:41","易企胜","",236,1,{"code":4,"message":5,"data":17,"meta":65},[18,23,28,33,38,43,48,50,55,60],{"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":7,"title":8,"cover_img":49,"is_pay":15,"create_time":11},"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FhJhwTcfkzA.png",{"id":51,"title":52,"cover_img":53,"is_pay":15,"create_time":54},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":56,"title":57,"cover_img":58,"is_pay":15,"create_time":59},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":61,"title":62,"cover_img":63,"is_pay":15,"create_time":64},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":66,"per_page":67,"current_page":15,"last_page":68},665,10,67,1776829682986]