[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-501":3,"articles-for-recommend-501":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},501,"【收藏级干货】超全中行银税贷、邮储小微易贷实操总结分享！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">今天继续\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">分享中行银税贷、邮储小微易贷的实操经验总结\u003C\u002Fspan>，尽量让做线下产品的代理合伙人少走弯路！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">中行银税贷分享：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">中行最高额度 500 万，但是不管批多少，听老猫一句劝，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">就要300万\u003C\u002Fspan>就OK了，少生事端\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">中行白户可做\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，查询3个月6次半年9次，近半年无包括2次小贷查询和小贷使用记录，最好是一条都没有，中行非银卡的很死\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20250115\u002Fc66f6e70a5ac9d1da8ee79b64e4a9d5c.png\" title=\"c66f6e70a5ac9d1da8ee79b64e4a9d5c.png\" alt=\"c66f6e70a5ac9d1da8ee79b64e4a9d5c.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">再说卡率70%以内，逾期2年不超4次，负债看总金额不超过 1000万，涉及经营贷不超800万，相对他行还比较明确\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">企业2年以上是标配，开票300万以上，申报超9次，税 5千以上，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">中行的优点就在于开票多税少的可以首选来做\u003C\u002Fspan>，其他行大部分都对纳税要求的比较高，纳税高就能批大额，中行还是比较开明的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">再说授信，只看企业对公名下不超过4笔，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">本笔可以做第 5笔\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">同样的中行录单需要行口配合，需提前勾兑，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">没有熟悉资源的联系企融帮客服\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">邮储小微易贷分享：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px; color: rgb(255, 0, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">邮储最高额度 500 万，线下产品大多65岁，个别产品包括邮储可以突破限制，比如\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">邮储做到70岁\u003C\u002Fspan>也有批的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">个人要求查询6个月不超9次，和\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">交通一样只看审批\u003C\u002Fspan>，还是很宽松的，卡率80%，个人建议70%\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20250115\u002F01c1b561ff161ba9068ebe71446d1967.png\" title=\"01c1b561ff161ba9068ebe71446d1967.png\" alt=\"01c1b561ff161ba9068ebe71446d1967.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">企业授信合作机构没有明确几家，但是\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">三家以上的需要二次复核\u003C\u002Fspan>，不能系统审批了，所以做的时候注意下\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">说下企业要求，成立2年以上，纳税要求是5万以上，对于申报开票具体没有限制，但是\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">对申报月份数和连续断申报是有要求\u003C\u002Fspan>的，包括半年下滑啊，近1年的同比下滑，邮储还是有些看的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">再就是法人变更了，要求稍微高点，要\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">满1年以上变更时长\u003C\u002Fspan>，但是对于法人持股是没有要求的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">更多的细节做的时候可以具体分析，另外邮储是可以\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">先查额再走测额\u003C\u002Fspan>流程的，做个授权就好了\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">再就是\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">邮储目前是白名单制\u003C\u002Fspan>，如果要申请，\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">发资料报备企融帮客服\u003C\u002Fspan>即可\u003C\u002Fspan>\u003C\u002Fp>","#中行银税贷 #邮储小微易贷","2025-07-10 18:16:00","易企胜","",148,1,{"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},665,10,67,1776873736876]