[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-230":3,"articles-for-recommend-230":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},230,"【真实案例】年开票90万且高负债，是如何批出来10万融享贷的？","\u003Cp>\u003Cspan style=\"font-size: 20px; color: rgb(255, 0, 0);\">\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>今天分享一个真实案例批款案例！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">一个年开票只有90万且高负债的情况下，是如何批出来10万融享贷的？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">这个企业是宁波的，行业是商务服务业，成立3年，从抓取的开票记录（下图）来看，满1年半以上开票记录是没跑的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align:center\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20230915\u002Fe165f8d4d7127225f007f5803d924a00.png\" title=\"e165f8d4d7127225f007f5803d924a00.png\" alt=\"e165f8d4d7127225f007f5803d924a00.png\" width=\"597\" height=\"437\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">征信可以看到（下图），查询其实并不多，22年下半年有1次个人消费贷的逾期，但是个人的在贷余额有小40万，可以说负债相对他这个经营来说是有点高了，名下也没有按揭房，只有一个按揭车的记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20230915\u002Fc18acba79948edc5cc52fdfbd87b8fa0.png\" title=\"c18acba79948edc5cc52fdfbd87b8fa0.png\" alt=\"c18acba79948edc5cc52fdfbd87b8fa0.png\" width=\"639\" height=\"385\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">就是在这种情况下，客服匹配了2个产品先让老板看到希望，苏宁商户贷+\u003Cstrong>融\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong style=\"font-size: 20px;\">享贷\u003C\u002Fstrong>\u003Cspan style=\"font-size: 20px;\">，结果拒1批1（下图）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px; color: rgb(255, 0, 0);\">产品分析：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">首先开票要求50万以上，客户虽然不高但是达标，其次近3个月开票超过20万是一个底线，而且这个开票额度对于月平均额度来说也是符合的，\u003Cspan style=\"font-size: 20px; color: rgb(255, 0, 0);\">最后一个重要原因还在于开票均匀，整体只有一次断票，结论是负债高也是可以批的！\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20230915\u002F2654faa4a9559c6c041a4ac3150ab09a.png\" title=\"2654faa4a9559c6c041a4ac3150ab09a.png\" alt=\"2654faa4a9559c6c041a4ac3150ab09a.png\" width=\"536\" height=\"317\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 20px;\">在这次审批中，我们还发现了\u003Cspan style=\"font-size: 20px; color: rgb(255, 0, 0);\">一个黑马产品，就是360小微流水贷，江浙沪三地都是可做\u003C\u002Fspan>，也适合查询多、开票纳税少的小企业，非常值得代理们关注，产品码企融帮后台也放的有！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20230915\u002F69b1d52123e3480d7daddd973b6324e8.png\" title=\"69b1d52123e3480d7daddd973b6324e8.png\" alt=\"69b1d52123e3480d7daddd973b6324e8.png\" width=\"448\" height=\"492\"\u002F>\u003C\u002Fp>","#融享贷 #微业贷 #雨商贷 #京东企业主贷 #金企贷 #惠懂你 #建行 #微众银行 #众邦 #新网 #好企 #好业 ","2025-07-10 18:15:07","易企胜","",132,1,{"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},665,10,67,1776873736216]