[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-179":3,"articles-for-recommend-179":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},179,"20-55周岁 法人和股东变更＞6个月  法人（持股10%以上）或股东（持股26%以上），支持法人股东双授信申请","\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20230725\u002Fa7a87b2e349982aeecfd1659392c1442.png\" title=\"a7a87b2e349982aeecfd1659392c1442.png\" alt=\"a7a87b2e349982aeecfd1659392c1442.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">个人要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（1）申请人年龄：20-55周岁\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（2）法人和股东变更＞6个月\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（3）法人（持股10%以上）或股东（持股26%以上），支持法人股东双授信申请\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cspan style=\"font-size: 18px; position: absolute; top: 0px; left: 0px; width: 0.1rem; height: 24.2656px; background: rgb(42, 148, 253); border-radius: 0.6rem;\">\u003C\u002Fspan>企业要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（1）要求企业在税局注册需要满1年（个体也可做）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（2）纳税信用等级为 A、B、M\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（3）个人独资企业、合伙企业、有限责任公司、股份制有限公司\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（4）最早一张销项票开票时间距离申请日期>=365天；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（5）年开票金额在50万以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（6）最近12个月未开票月份数<5;\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（7）最近3个月月均应税销售收入\u002F最近12个月月均应税销售收入≥15%；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（8）最近3个月开票张数\u002F最近12个月开票张数>=12.5%;\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（9）最近季度全部交易客户数\u002F上个季度全部交易客户>=25%，如果为批发贸易零售行业，则需要>=50%；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（10）近12个月废票金额占比需小于30%；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（11）近12个月红票占比超过10%的月份数<7\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（12）近12个月开票下游数量>=2；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cspan style=\"font-size: 18px; position: absolute; top: 0px; left: 0px; width: 0.1rem; height: 24.2656px; background: rgb(42, 148, 253); border-radius: 0.6rem;\">\u003C\u002Fspan>征信要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（1）五级分类异常拒绝（关注、次级、可疑、损失）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（2）贷记卡账户状态为冻结、止付等\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（3）有呆账、资产处置、保证人代偿等记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（4）信用卡、贷款近12个月有30天以上逾期记录，历史有60天以上逾期记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（5）6个月内贷款逾期次数>=3次，12个月内逾期>=5次\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">（6）近5天贷款查询<4次 或 近1个月贷款查询<5次 或 3个月内贷款+信用卡查询次数<12次 或 1个月内本人查询<3次 （7）征信白户禁入\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px 0px 0.1rem; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cspan style=\"font-size: 18px; position: absolute; top: 0px; left: 0px; width: 0.1rem; height: 24.2656px; background: rgb(42, 148, 253); border-radius: 0.6rem;\">\u003C\u002Fspan>所需材料\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">营业执照、银行卡、实名手机号、国税账密\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px; color: rgb(255, 0, 0);\">进件方式：合伙人后台拿码或咨询客服拿码\u003C\u002Fspan>\u003C\u002Fp>"," #融享贷","2025-07-10 18:14:37","易企胜","",133,1,{"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},665,10,67,1776873734744]