[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-234":3,"articles-for-recommend-234":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},234,"雨商+众邦 审查次数合计+客户画像","\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\u003C\u002Fp>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">0\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">3\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(15, 74, 140); font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">小雨点雨商贷\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Cp>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1.查询次数\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">①近12个月新增信用贷款机构数≤8家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">②未结清小额贷款公司贷款≤2家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">③最近1个月本人查询次数≤3次\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2.偏好画像\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; background-color: transparent; caret-color: red; font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">①年龄：35-50岁已婚人士\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">②有房有车、批发零售业、食品快销类、建筑工程类客户\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">③年有效开票额500万以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">④近 1年内“贷款审批”或“信用卡审批”有查询无放款（发卡）机构数≤15 家\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">⑤负债开票比低于60%（经营负债\u002F年有效开票金额）\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\u003C\u002Fp>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">0\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">4\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(15, 74, 140); font-size: 18px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">众邦众商贷\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Cp>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1.查询次数\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">①\u003Cspan style=\"font-size: 18px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; background-color: transparent; caret-color: red; box-sizing: border-box !important; overflow-wrap: break-word !important;\">近1年贷款审批查询次数不超16次\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">②\u003Cspan style=\"font-size: 18px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; background-color: transparent; caret-color: red; box-sizing: border-box !important; overflow-wrap: break-word !important;\">近1月贷款查询机构数不超5次\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cspan style=\"font-size: 18px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2.偏好画像\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fsection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Csection>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; background-color: transparent; caret-color: red; box-sizing: border-box !important; overflow-wrap: break-word !important;\">①企业成立时间在3年以上，企业近1年半无法人变更，纳税等级A；\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">②法人年龄55岁以内 (有资产更佳) 车贷，房贷；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">③企业营业收入在500万-20000万之间；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">④个人征信均非白户；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">⑤征信表现良好，近1年无逾期记录，历史无连续逾期2个月以上记录，小额贷款类(低于5万)贷款最好不超过3笔；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 18px;\">⑥企业月经营稳定，收入负债率在50%以内为佳。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","#雨商   #众邦","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},665,10,67,1776873736237]