[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-541":3,"articles-for-recommend-541":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},541,"工商银行—经营快贷，最新产品大纲及申请流程，最高做到65周岁，最高300万信用贷","\u003Cp>\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"color: rgb(255, 0, 0); background-color: rgb(255, 255, 0);\">更新：有收款码流水都可以尝试，30万以内直接放款！\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 24px;\">\u003Cstrong>工商银行—经营快贷\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">产品要素：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、额度：最高300万\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">(线上最高30万)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、利率：年化3.65%起\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、期限：最长12期\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4、还款方式：\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">先息后本\u003C\u002Fspan>，随借随还\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">5、提前还款：无违约金\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">6、签约方式：30万以内的线上自主提款\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">(个别客户提款需要U盾)\u003C\u002Fspan>，30万到300万的需线下收集资料\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20241129\u002F413ef289f12e92d392eb4605931667dd.png\" title=\"413ef289f12e92d392eb4605931667dd.png\" alt=\"413ef289f12e92d392eb4605931667dd.png\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">准入要求：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">1、18-65周岁\u003C\u002Fspan>，大陆户籍\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、申请人为小微\u002F个体工商户法人，近1年无法人变更记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 112, 192);\">3、实际经营满12个月以上\u003C\u002Fspan>，且经营正常，注册资本无需求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">4、申请名下非黑名单、失信人员、当前无重大金额诉讼或者执行案件\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">5、借款人名下有工商银行或其他银行收款码，且收单流水稳定，且月均不低于1万元\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">征信要求：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1、征信良好，无当逾，近1年无逾期记录，2年内无2次逾期，工行无不良信用记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2、贷记卡、准贷记卡不可为状态为冻结、呆账、止付\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">3、贷款五级分类状态不可显示为次级、可疑、损失\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">4、申请人近6个月查询次数不得超过15次\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">5、申请人近期无大额涉诉记录、无大额被执行记录及失信被执行记录、无大额裁判文书记录\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20241129\u002F316fc12853fef72bdfd0eda7971fe53f.png\" title=\"316fc12853fef72bdfd0eda7971fe53f.png\" alt=\"316fc12853fef72bdfd0eda7971fe53f.png\"\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">申请流程：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">1、有卡线上：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">微信扫描申请码，点击办理，跳转手机银行，选择经营快贷，服务行就近选择，提交审核，正常2-10分钟出审批结果\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">2、无卡线上：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">提前注册手机银行，返回首页，不需要绑定银行卡和完成个人实名制，返回微信，扫描二维码填写资料跳转手机银行，选择经营快贷，页面提示开卡或继续申请，可自由选择，下一步录取统一社会代码，提交审核，正常2-10分钟出审批结果，贷款审批通过后，可就近选择工行网点办理一类卡放款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">注意事项：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">超过30万的额度下户很多网点比较谨慎，如果只是提30万以内那无所谓，如果有把握做出大额的，建议申请前提前跟选择的网点沟通好，确定额度超过30万能不能办理，如果不能办理，就不要从该网点进件，一旦进件，管户权就会锁定\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px;\">申请建议：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">有收款码流水的都可以试试，客户负债不大的话通过率还是很高的\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">一般收款码需满6个月以上，如果工行卡流水比较大，收款码三个月也会出额\u003C\u002Fspan>\u003C\u002Fp>","#工商银行 #工行 #经营快贷","2025-07-10 18:16:00","易企胜","",161,1,{"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},665,10,67,1776873736370]