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{
"id": 137,
"title": "个人贷款：借用企业虚假合同骗贷，企业要担责吗？",
"describe": "单位的业务介绍信、或者盖有合同专用章、公章的空白合同书造成他人经济损失的，需要承担赔偿责任。",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/137.jpg",
"source": "亚投宏远",
"content": "<p style=\"line-height: 2em;\"> 在个人贷款业务流程中，经常会出现借款人<strong>借用</strong>他人单位的业务介绍信、或者盖有合同专用章、公章的空白合同书进行骗取借款等经济活动，由于很多企业财务管理混乱不严谨，经常会出现人情帮忙，出具虚假介绍信、证明、合同等，这一帮忙被有目的之人利用。进而造成他人经济损失，这时企业就需<strong>要承担赔偿责任</strong>。</p>\r\n<p style=\"line-height: 2em;\"> 相关依据为最高人民法院《关于在审理经济纠纷案件中涉及经济犯罪嫌疑若干问题的规定》第四条之规定。</p>\r\n<p style=\"line-height: 2em;\"> 个人借用单位的业务介绍信、合同专用章或者盖有公章的<strong>空白合同书</strong>，以出借单位名义签订经济合同，骗取财物归个人占有、使用、处分或者进行其他犯罪活动，给对方造成经济损失构成犯罪的，除依法迫究借用人的刑事贵任外，出借业务介绍信、合同专用章或者盖有公章的空白合同书的单位，<strong>依法应当承担赔偿责任</strong>。</p>\r\n<p style=\"line-height: 2em;\"> 但是，有证据证明被害人明知签订合同对方当事人是借用行为，仍与之签订合同的除外。</p>\r\n<p style=\"line-height: 2em;\"> 亚投宏远提醒广大中小微企业要加强公司内部管理，特别是用章制度，防止类似虚假合同、证明等给公司带来不必要的麻烦和损失，严重的将影响到自己日后的企业贷款申请。很多银行会将虚假申请、疑似诈骗等的信息收集归类供入后客户准入筛选。</p>\r\n<p style=\"line-height: 2em;\"> </p>",
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"type_name": "行业资讯",
"count": 103,
"modified_user": {
"username": "高登辉"
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"created": "2023-06-05 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
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{
"id": 435,
"title": "融资咨询是什么 是怎么盈利的",
"describe": "融资咨询业务模式包括纯导流模式和联合放贷。",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/435.jpg",
"source": "亚投宏远",
"content": "<p style=\"text-align: center;\">关键词：<span class=\"red\" style=\"color: #de5347;\">融资咨询</span></p>\r\n<p style=\"text-indent: 0em;\">描述：近些年随着经济形势的变化，各种贷款公司也是纷纷成立，为人们解决了资金短缺的困难，而现在很多人也乐于选择贷款形式，那么融资咨询是什么？下面由贷款来介绍一下吧。</p>\r\n<p style=\"text-indent: 0em; text-align: center;\">融资咨询</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> <strong>什么是融资咨询公司</strong></p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 融资咨询公司主要是针对一些有信誉的企业，由于贷款到期，不能按时偿还，需要向银行办理偿旧代新的“过桥”业务手续的，此类型公司为企业提供资金担保或直接投放资金，同时针对企业资金需求在30万元以上，承办银行办理房产抵押手续较慢的情况下，此类型公司采用股权质押的担保形式，到企业工商营业执照注册的工商部门对其股东所持的股权进行质押登记。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 此类公司设立金融机构、从事金融活动，必须依法接受准入管理。未依法取得经营放贷业务资质，任何组织和个人不得经营放贷业务。这让“融资咨询”行业一度刮起了网络小贷牌照的收购热潮。结果就是，头部机构基本都具备网络小贷牌照，以科技之名做着超杠杆的联合放贷，而中小机构不具备牌照，依然以科技之名做着融资咨询的业务。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> <strong>融资咨询贷款申请条件及资料</strong></p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 要有固定收入，要看工资明细;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 年满18-65周岁;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 如果贷款用于经营或购车，要有担保人和抵押;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 征信良好。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 贷款申请资料：</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 贷款人近半年征信信息，且征信信息良好;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 贷款人名下近半年的银行卡流水，无中断;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 贷款人居住证证明(租房合同、房产证、近三个月水、电、费煤气发票);</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 贷款人工作单位开具的收入证明;</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 社保、保单、公积金月供也可贷款。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 如果想贷更高的额度，可以做抵押贷款，例如房、车等</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8; text-align: center;\">融资咨询</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> <strong>何为融资咨询？融资咨询业务的盈利模式</strong></p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 其中，以资金来源来看，银行、保险、信托、财务公司、小贷公司、消费金融公司等都可能成为资金提供方。但从规模来看，银行资金的占比最大(因为不少信托计划背后的资金也来自银行)，是最重要的放贷主体。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 融资咨询方则可分为持牌机构和非持牌机构，前者又可分为两大类，银行(既可以作为资金方，也可以成为他行的融资咨询方，例如，新网银行、微众银行等)和部分金融科技公司(它们通常通过旗下的小贷、网络小贷、融资担保等牌照展业)。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 而非持牌的融资咨询机构则包括一些无小贷、网络小贷、融资租赁，融资担保等牌照的金融科技公司、P2P平台、数据公司等。在新的监管要求之下，这部分机构不得直接参与贷款的发放(即联合贷款)，主要为资金方以提供获客、风控等服务。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 说了这么多，大家对融资咨询、融资咨询机构、融资咨询业务这几个概念是不是有了大致的了解了呢。上文提到，融资咨询业务渐成为一些上市互金公司业务的重要组成部分，成为其盈利的主要来源。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> <strong>融资咨询机构的盈利模式</strong></p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 从广义上来看，融资咨询业务模式包括纯导流模式和联合放贷。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 其中纯导流模式是指融资咨询机构为银行、消费金融公司等资金方推荐借款用户，由资金方自行负责借款用户的筛选、风控、催收等，在此模式下融资咨询机构通常仅负责营销获客，不承担项目逾期风险，其盈利模式主要为推荐服务费，一般根据CPA(按注册用户收费)和CPS(按交易额收费)两种方式进行收费。</p>\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 20px 0px 0px; line-height: 1.8;\"> 通过以上贷款的介绍我们了解了融资咨询的相关内容，现在有很多的机构都可以实现融资咨询的功能，帮助人们解决资金的问题，我们可以按需选择。</p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 103,
"modified_user": {
"username": "高登辉"
},
"created": "2020-01-09 00:00",
"modified": "2025-11-04 14:03",
"recommend": "不推荐"
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{
"id": 691,
"title": "融资渠道：政府平台类融资方式更靠谱！",
"describe": "政府平台类融资其实就是指每一个地方政府成立的以融资为主要经营目的的公司，主要是对城市建设投资，城建开发，城建资产公司等企业（事）业法人机构等等的机构进行融资的服务，并且",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/691.jpg",
"source": "亚投宏远",
"content": "<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-family: 宋体;\">我们一直在说融资平台也有政府类和不是政府类两种。相比较而言，</span><strong style=\"font-family: 宋体;\">政府平台类融资</strong><span style=\"font-family: 宋体;\">的方式更靠谱一些。之所以这么说是因为</span><strong style=\"font-family: 宋体;\">政府平台类融资</strong><span style=\"font-family: 宋体;\">其实就是指每一个地方政府成立的以融资为主要经营目的的公司，主要是对城市建设投资，城建开发，城建资产公司等企业（事）业法人机构等等的机构进行融资的服务，并且以经营收入，公共设施的收费或者财政资金等等作为还款来源。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-family: 宋体;\">其实我们现在的市场里面有很多不同的融资平台出现，但是之所以强调政府的平台进行融资，是为了避免有一些让企业遭受损失的状况，比方说我们在之前贷款融资项目刚刚形成的时候，很多企业向一些不具备有资质的金融机构进行了贷款融资的服务，结果就是企业遭受了高额的利息，导致很多企业换不了这些贷款，最终不得不抵押，破产。而对于甲方来说，一些企业看起来十分优质，但是将所有的资金投入之后，却发现融资方并没有达到事先说的状况，导致资金直接被对方拿走之后，就卷款逃跑。尤其是一些对外进行融资的项目，我们在经济发展的长河里面，遇到这样的事件也并不少。很多的外部投资者购买了基金，债券，股权等等，最终都导致亏损非常巨大。很多的投资者现在还是心有余悸，这也是为什么小编推荐大家<strong>政府平台类融资</strong>能够更靠谱的原因。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"> </p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-family: 宋体;\">首先，基础建设实我们国家持久的一个项目，随着国家的发展，我们的城市基础建设会变得发展更快，这也是为什么我们对于这些城建开发等等类型的融资项目会非常认可的原因。因为只要一个国家在不停进步，那么这些建设就势必不可少，因此对于我们普通百姓或者一些企业而言，这些<strong>政府平台类融资</strong>的方式能够获得的成功率也会更高一些。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-family: 宋体;\">其次，政府的融资平台往往具有国家的资质认可，能够受到国家监管力度比较大。一旦出现了问题，往往可以通过国家机构进行处理，有法律的保障。但是很多非政府机构平台，或者地方性机构的平台很多时候会出现项目无法持续发展的情况，在那个时候，很多的个人或者企业就可能会面临资金无法准确到位的状况。而且有很多的项目具有一些水分，没有资质的认可，对于我们来说，也会存在一定的风险。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"> </p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-family: 宋体;\">我们都说现在所有的项目中其实最靠谱的就是<strong>政府平台类融资</strong>的方式，因为只有这些方式才是能够真正保障我们能够顺利进行融资的机构，当然如果想要申请这些类别的融资方式，还需要能够通过一些具有资质的第三方，比如说亚投宏远就是一个例子，对于我们个人或者企业来说，通过这些第三方的机构去进行融资，能够增加成功率，对于融资方和我们的出资方来说，都是一种双向的保障！</span></p>\n<p> </p>",
"type": 1,
"type_name": "行业资讯",
"count": 103,
"modified_user": {
"username": "高登辉"
},
"created": "2021-12-10 00:00",
"modified": "2025-06-27 13:26",
"recommend": "不推荐"
},
{
"id": 194,
"title": "等额本息和等额本金还款的主要区别",
"describe": "等额本息还款法，由于月还款额相同，计算简单，适用于在整个贷款期内家庭收入有稳定来源的贷款户；等额本金还款法，每月的偿还额逐月减少，较适合于已经有一定积蓄，但预期收入可能",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/194.jpg",
"source": "亚投宏远",
"content": "<p style=\"text-indent: 2em; line-height: 2em;\">个人贷款还款方式等额本息还款法与等额本金还款法的主要区别：</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\"><strong>占用资金的时间价值不同</strong></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">等额本金还款法，开始多还本金，越往后所占贷款本金越少，因而所产生的利息也少；等额本息还款法，开始还的贷款本金较少，占用资金相对也较多，所以利息也会相相应增加。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\"><strong>利息总额不同</strong></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">在相同贷款金额、利率和贷款年限的条件下，等额本金还款法的利息总额要少于等额本息还款法。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\"><strong>还款前几年的利息、本金比例不同</strong></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">等额本息还款法，前几年还款总额中利息占的比例较大（有时达到90%左右）；等额本金还款法的本金平摊到每一次，利息借一天算一天，所以两者的比例最高时也就各占50％左右。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\"><strong>还款前后期的压力不同</strong></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">等额本息还款法，每月的还款金额数是一样的，所以在收支和物价基本不变的情况下，每次的还款压力是一样的；等额本金还款法，每次还款的本金一样，但利息是由多到少、依次递减，同等情况下，前期的压力要比后期重。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\"><strong>适用群体不同</strong></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">等额本息还款法，由于月还款额相同，计算简单，适用于在整个贷款期内家庭收入有稳定来源的贷款户；等额本金还款法，每月的偿还额逐月减少，较适合于已经有一定积蓄，但预期收入可能逐渐减少的<strong>个人贷款</strong>借款人，如中老年职工家庭，其现有一定积蓄，但今后随着退休临近收入将递减。而购房首付款额度较高，又急于装修的个人贷款借款人不适合此方法。</p>\r\n<p> </p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 103,
"modified_user": {
"username": "高登辉"
},
"created": "2023-06-05 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
},
{
"id": 1273,
"title": "企业融资优化资本结构的原则",
"describe": "融资时如何优化资本结构？一起来看！",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_07_05/%E5%8D%8F%E8%B4%B7%E7%BD%911273.jpg",
"source": "《企业融资筹划》",
"content": "<ol>\r\n<li><span><strong><span>合理确定资金需求量，科学安排融资时间</span></strong></span><span><br /></span><span>通过预算手段完成资金的需求量和需求时间的测定，使资金的筹措量与需求量达到平衡，防止因融资不足而影响生产经营或因融资过剩而增加财务费用。</span></li>\r\n<li><span><strong><span>合理组合融资渠道和方式，降低资金成本</span></strong></span><span><br /></span><span>综合考察各种融资渠道和融资方式的难易程度、资金成本和融资风险，研究各种资金来源的构成，求得资金来源的最优组合，以降低融资的综合成本。</span></li>\r\n<li><span><strong><span>优化资本结构，降低融资风险</span></strong></span><span><br /></span><span>在融资过程中合理选择和优化融资结构，做到长、短期资本、债务资本和自有资本的有机结合，有效地规避和降低融资中各种不确定性因素给企业带来损失的可能性。</span></li>\r\n<li><span><strong><span>拟定好融资方案，认真签订和执行筹资合同</span></strong></span></li>\r\n</ol>\r\n<p><span>在进行融资成本、资本结构和投资效益可行性研究的基础上，拟定好融资方案。融资时间应与用资时间相衔接，而且要考虑资金市场的供应能力。在融资方案的实施过程中，融资者与出资者应按法定手续认真签订合同、协议，明确各方的责任和义务。此后，必须按照企业融资方案和合同、协议的规定执行，恰当支付出资人报酬，按期偿还借款，维护企业信誉。</span></p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 103,
"modified_user": {
"username": "高登辉"
},
"created": "2023-06-14 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
},
{
"id": 523,
"title": "【亚投宏远】解读企业贷",
"describe": "2020上半年，疫情的爆发给了我们重重一击，面对疫情带来的开工延迟、资金紧张等重重压力，大部分企业无疑“难”字当头。那企业如何解困局、育新机呢?不如试试企业贷款吧，企业贷款是指",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/523.jpg",
"source": "亚投宏远",
"content": "<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">2020上半年，疫情的爆发给了我们重重一击，面对疫情带来的开工延迟、资金紧张等重重压力，大部分企业无疑“难”字当头。那企业如何解困局、育新机呢?不如试试企业贷款吧，企业贷款是指企业为了生产经营的需要，向银行或其他金融机构按照规定利率和期限的一种借款方式。有了企业贷款，有些企业主会有疑问：个体营业执照怎么贷款?在这里，小编就给大家介绍一下有关这方面的相关知识。</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<section data-style-id=\"27195\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: center; align-items: flex-start;\">\r\n<section></section>\r\n<section data-width=\"100%\">\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">首先，企业申请贷款，营业执照是必备物品，但单独的营业执照无法进行贷款。因为银行贷款审批比较严格，企业有足够良好的运营来证明有还款能力，同时满足银行其它申请条件，才可以申请贷款。</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27200\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block;\">\r\n<section style=\"margin: 0px 0px 0px 30px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 0px 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-radius: 20px; display: inline-block; border: 1px solid #91b8ff;\">\r\n<section style=\"margin: 0px; padding: 3px 20px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; background-color: #deeaff; border-radius: 20px;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff;\">1、企业贷款申请条件</span></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px 10px 0px auto; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 30px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">1.借款人为具有完全民事行为能力的中国公民，年龄在60周岁(含)以下</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">2.借款人在贷款银行所在地有固定住所，有常住户口或有效居住证明</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">3.借款人及其经营实体具有良好的信用记录和还款意愿，无任何违约记录;经营情况良好且稳定</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">4.借款人在其经营领域有一年以上从业经验和良好的从业记录，经营期限原则上在一年(含)以上</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">5.具有稳定的收入来源和按时足额偿还贷款本息的能力</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">6.产品有市场、有效益，有良好的经营前景</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">7.借款人及配偶所拥有的经营实体(包括个体工商户、个人独资企业和合伙企业)在银行无融资。</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27200\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block;\">\r\n<section style=\"margin: 0px 0px 0px 30px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 0px 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-radius: 20px; display: inline-block; border: 1px solid #91b8ff;\">\r\n<section style=\"margin: 0px; padding: 3px 20px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; background-color: #deeaff; border-radius: 20px;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff;\">2、企业贷款申请资料</span></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px 10px 0px auto; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 30px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">1.企业营业执照 </span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">2.组织机构代码证 </span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">3.国地税证件 </span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">4.开户许可证 </span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">4.贷款卡(到人民银行领申请表，再到企业基本结算户经办银行盖章)</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">5.连续两年已审计的年度财务报表+最近一期未审计月度财务报表。</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27200\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block;\">\r\n<section style=\"margin: 0px 0px 0px 30px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 0px 0px 8px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 3px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-radius: 20px; display: inline-block; border: 1px solid #91b8ff;\">\r\n<section style=\"margin: 0px; padding: 3px 20px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; background-color: #deeaff; border-radius: 20px;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff;\">3、企业贷款办理流程</span></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: -2px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; transform: rotateZ(0deg);\">\r\n<section style=\"margin: 0px 10px 0px auto; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 5px; height: 3px; background-color: #fefefe;\"></section>\r\n<section style=\"margin: 0px 30px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 8px; height: 3px; background-color: #fefefe;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">1.贷款人向贷款机构咨询营业执照贷款办理事宜</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">2.按照贷款机构的要求提供营业执照贷款相关资料，并提出贷款申请</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">3.等待银行或贷款机构审核资质，如果审批通过，则前往银行签订贷款合同。如果是抵押贷款，则还需办理抵押登记手续</span></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n</section>\r\n</section>\r\n<section data-style-id=\"27197\" data-support=\"96编辑器\" style=\"margin: 0px; padding: 0px; max-width: 100%; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 10px 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: space-between; align-items: center;\">\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 30px; height: 3px; background-color: #b7cdff;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-top: 1px solid #b7cdff; border-bottom: 1px solid #b7cdff;\">\r\n<section style=\"margin: 0px; padding: 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; border-left: 4px solid #b7cdff; border-right: 3px solid #b7cdff;\">\r\n<p style=\"margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 2px; font-size: 15px; line-height: 24px; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #5d92ff; line-height: 24px;\">4.发放贷款，贷款人按照合同如期偿还贷款本息即可。</span></p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 102,
"modified_user": {
"username": "高登辉"
},
"created": "2020-11-13 00:00",
"modified": "2025-06-27 13:40",
"recommend": "不推荐"
},
{
"id": 18,
"title": "信用卡持卡人：千万别放以下2种错误",
"describe": "信用卡持卡人身上有这2种情况，会被银行拉进“灰名单”！",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_02/18.jpg",
"source": "亚投宏远",
"content": "<p style=\"text-indent: 2em; line-height: 2em;\">现在很多人都喜欢使用信用卡，并且很多人手上都有好几张的信用卡。但是，银行却不会喜欢所有的信用卡持卡人，因为如果有些信用卡持卡人身上出现这2种情况的话，银行可能会将他们拉入灰名单当中的。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">那么，什么是银行灰名单呢?持卡人出现哪2种情况会被银行拉入这个名单呢?下面小小金融小编就为大家简单介绍一下。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">什么是银行灰名单?</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">想必很多人都知道银行黑名单，却很少有人听说过银行灰名单。其实，所谓的银行灰名单并不是一个真正的单名，而是指如果你在银行眼中的信贷风险过高，但又没有什么违规、违纪的行为，银行不能将你以拉进黑名单的方式进行处罚时，对你采取的一个冷处理态度。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">就比如说，万年不给你的信用卡提额，或者是将你的信用卡冻结，亦或者是将你的信用卡额度降低等等，都属于你被银行拉进灰名单的冷处理。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">银行银行最反感持卡人身上有哪两种情况呢?</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">1、套现信用卡。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">套现信用卡对于信用卡持卡人是比较划算的，因为套现不仅可以使用免息期，需要支付的手续费也比较低。套现信用瞳可比信用卡取现划算多了。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">但是，对于银行来说，信用卡持卡人套现信用卡是乱金融市场的行为，不管信用卡持卡人出于什么理由套现银行都是不欢迎的。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">所以，如果持卡人有信用卡套现行为，那么银行肯定会将其视为风险过高的用户;即使银行没有去处理你的套现行为，它们也会将你拉进灰名单当中对你冷处理，再不给你的信用卡提额，或者是降低你的信用卡额度，甚至冻结你的信用卡。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">2、总是刷空信用卡。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">银行为什么大事量发行信用卡，就是为了要从信用卡持卡人手上收获巨额利润。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">所以，如果持卡人每次都将信用卡刷空，还从不分期，还在还款日之后将信用卡还清之后又立马将进用卡额度刷空，银行是肯定会嫌弃你的。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">因为，如果你既不分期又总是一次性刷光信用卡。银行没能在你身上赚到半毛钱，你的信贷风险又过高的，你肯定会被银行拉进黑名单当中的。</p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 102,
"modified_user": {
"username": "高登辉"
},
"created": "2023-06-02 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
},
{
"id": 20,
"title": "信用卡：被封卡的主要原因",
"describe": "信用卡无故被封停？可能是犯了银行的大忌！",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_02/20.jpg",
"source": "亚投宏远",
"content": "<p>信用卡使用需要符合银行规定</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">前段时间看到网上很多人说信用卡都被封了，究竟是什么原因导致了你的信用卡被封停？小编觉得不能是你干了什么不该干的事，应该是你的日常刷卡行为导致了你的信用卡被封停。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">俗话说的好\"不是不报，时候未到\"，小编觉得任何事情都是有原因的，应该是因为你的日常刷卡行为，得罪了你的银行才导致了你的信用卡被封停，那么那些行为会导致你的信用卡被封停呢？</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">1.刷卡前查询余额。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">小编觉得很多持卡人总要在pos机上查询余额，尤其是信用卡多的朋友，没有记账的习惯，总是记不清自己的信用卡的可用额度，在刷卡前在pos机上查询余额，这是大忌，银行系统会认为你是在套现或代还信用卡，要么就会认为你的卡被盗刷了，所以为了保障持卡人的用卡安全，甚至很多第三方支付公司的pos甚至关闭了余额查询的功能。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">2.没有查询信用卡账单的习惯。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">信用卡账单是非常重要，信用卡什么时候该还多少钱？ 信用卡为什么提额？为什么降额？有没有刷到跳码套码的pos机，为什么每月还款金额总是比消费金额多？这些看看账单就知道了。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">你使用的信用卡说白了就是银行给你发放的一笔循环贷款，在你申请信用卡是银行根据个人资质以及以往信用状况，为你授信一个初始额度，说是固定额度，但其实并不是永久不变，银行会分析你的日常消费行为，你的消费习惯，并结合你的还款情况，根据综合情况，提升或降低信用卡授信额度。很多第三方的网贷，也是通过账单来评估持卡人的授信额度的。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">3.异常金额和时段不合理的刷卡</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">金额不匹配也是容易被封的，比如吃个早点，消费2万；时间不匹配，比如买个电器，夜里2点。在同一pos机上刷卡，或者长期大额消费，1笔刷空等，这些行为都太反常了，容易被系统封后，会让银行怀疑持卡人利用pos机套现。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">4.从未用过信用卡积分儿。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">信用卡积分是银行对卡友的奖励，然而大部分积分直到信用卡积分被清零都未使用过，殊不知，积分就是钱啊，积分可以用作兑换礼品，兑换里程，还可以抵消分期手续费，白给的福利为什么不要呢？快去看一下，自己的信用卡到底有多少积分</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">5.信用卡逾期，赶紧将欠款还上，立即销卡。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">小编告诫大家不要以为这样做就神不知鬼不觉，大错特错，销卡后逾期的记录就会一直保留在个人征信报告上，直至5年后才会消除，正确的做法，是逾期后立即还清欠款，继续刷卡，及时还款，将不良记录覆盖掉。</p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 102,
"modified_user": {
"username": "高登辉"
},
"created": "2023-06-02 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
},
{
"id": 32,
"title": "信用卡：免费午餐渐少权益普遍缩水",
"describe": "信用卡持卡人可以享受到的“免费”业务越来越少。农业银行日前发布公告称，将于2019年初对信用卡透支转账业务和分期提前还款业务收取一定比例的手续费。",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_02/32.jpg",
"source": "经济网",
"content": "<p><strong> </strong>信用卡</strong><strong>免费服务锐减</strong></p>\r\n<p> 信用卡持卡人可以享受到的“免费”业务越来越少。农业银行日前发布公告称，将于2019年初对信用卡透支转账业务和分期提前还款业务收取一定比例的手续费。事实上，今年以来，多家银行开始收取信用卡相关业务费用，同时也大幅缩减信用卡权益，这在业内人士看来，随着信用卡发卡量的不断提升，部分信用卡业务排名靠前的银行对收费定价和权益制定有了更多底气。</p>\r\n<p> <strong>农行信用卡两业务将收费</strong></p>\r\n<p> 以往能够获得免费优惠的信用卡透支转账费用将恢复收取。农行日前发布公告称，自2019年2月1日起，将恢复收取电子渠道（掌银、网银）信用卡透支转账手续费，标准费率为溢缴款转账免收手续费；透支部分转账手续费为交易金额的1%/笔，最低1元/笔，最高100元/笔封顶。北京商报记者了解到，在2018年1月-2019年1月31日，该行对于电子渠道信用卡透支转账手续费实行暂免收取的规则。</p>\r\n<p> 不过，对于即将收取的手续费，农行给出了优惠折扣方案。该行规定，针对通过电子渠道发生的透支额度转持卡人该行交易，于2019年2月1日-6月30日期间单笔透支转账金额在2000元（含）以下，按标准费率计收；单笔透支转账金额在2000元以上至5000元（含），按标准费率8折收取；单笔透支转账金额在5000元以上，按标准费率5折收取。另外，透支转账资金不享受免息还款期待遇，透支金额从银行记账日起计收利息。</p>\r\n<p> 除信用卡透支转账收费外，农行信用卡分期提前还款也将收取手续费。该行规定，自2019年1月10日（含）起持卡人办理账单分期时，申请全额提前还款后，已收取或已记账分期手续费不予退还，并计收一期未出账单分期手续费。而此前该行对信用卡分期提前还款，执行的是“申请全额提前还款，免收未出账单分期手续费”的方式计收。</p>\r\n<p> 事实上，今年以来，多家银行开始对信用卡相关业务收取一定的费用。比如，工商银行宣布将于12月1日收取分期付款提前还款违约金；中信银行也规定收取剩余未还本金3%作为提前终止分期还款违约金。分析师认为，这意味着分期提前还款将告别免费时代，也说明信用卡业务重新纳入了快速发展的快车道。</p>\r\n<p> <strong>信用卡权益缩水</strong></p>\r\n<p> 与此同时，多家银行也缩水信用卡相关权益，如积分权益、航空里程兑换权益。民生银行日前规定，自9月起用卡活动或抽奖活动等赠送的短期积分将不再参与积分兑换航空里程业务。兴业银行宣布，航空类联名信用卡在家电、珠宝类商户的签账消费将不再获得信用卡积分。</p>\r\n<p> 对于信用卡权益普遍缩水，麻袋研究院行业研究员苏筱芮表示，今年二季度以来，债市流动性呈现出偏紧的状态，信贷市场有所传染，信用卡不良率也呈现出上升趋势。一些银行出于避险策略，收紧信贷额度、加强风控，并通过削减权益的方式来控制运营成本。</p>\r\n<p> 分析人士指出，随着信用卡市场规模增速放缓及其竞争格局的逐步稳固，未来信用卡权益可能会呈现两极分化趋势。苏筱芮表示，一些国有、股份制银行，拥有削减权益的底气和资本，在对C端权益的制定方面会更加强势和灵活。</p>\r\n<p> <strong>收费进入成熟期</strong></p>\r\n<p> 据了解，信用卡业务的营业收入主要来自于未全额还款产生的利息收入，以及违约金、商户回佣、取现手续费、分期手续费、年费等带来的非利息收入。苏筱芮指出，一般而言，信用卡盈利贡献度最高的是利息收入，其次是分期手续费。</p>\r\n<p> 近年来，受互联网金融的影响，银行加大零售业务转型，而信用卡作为零售转型的“尖兵”，发卡量在迅猛增长。北京商报记者获悉，农业银行于11月信用卡累计发卡量突破1亿张，成为国内第五家“破亿”成员。此前，已有工商银行、建设银行、中国银行、招商银行4家银行迈入信用卡发卡量“亿张俱乐部”。</p>\r\n<p> 随着信用卡发卡量的扩大，银行信用卡业务收入也在攀升。数据显示，今年1-6月，农行信用卡手续费收入为124.26亿元，较上年同期增加15.29亿元，增幅为14%，该行表示，主要是由于信用卡分期付款业务收入增加。</p>\r\n<p> 工行今年上半年的银行卡业务收入为219.39亿元，同比增加31.47亿元，主要是信用卡分期付款手续费和消费回佣收入增长较快。另外，招行上半年信用卡利息收入同比增长 14.14%；信用卡非利息收入同比增长 44.47%。近年来，消费金融的概念火热，电商购物成交额节节突破新高，对于银行来说，向消费者收取手续费、违约金等费用也进入到了成熟阶段，自然而然就开始收费了。</p>\r\n<p> </p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 102,
"modified_user": {
"username": "高登辉"
},
"created": "2023-06-02 00:00",
"modified": "2025-06-27 11:46",
"recommend": "不推荐"
},
{
"id": 295,
"title": "个人企业银行贷款：亚投宏远融资咨询业务纾困融资难",
"describe": "将优质的客户推送给贷款人，由贷款人（资金提供方）进行核心风控并放款及贷后管理，亚投宏远只做贷款信息咨询服务，向借款人收取贷款咨询服务费或者资金提供方给予返佣的业务。",
"image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/295.jpg",
"source": "亚投宏远",
"content": "<p style=\"text-indent: 2em; line-height: 2em;\"></p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">融资咨询的含义</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">融资咨询平台：为借款人撮合匹配资金提供方，由资金方发放贷款，以帮融资咨询款需求者高效便捷的申请到贷款。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">亚投宏远融资咨询业务服务费用来源</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">亚投宏远助贷业务：以介于借款人和资金提供方之间的居间人为介入点，按照资金提供方的信贷准入筛选目标客户，在完成初步资料核验、风险过滤流程后，将优质的客户推送给贷款人，由贷款人（资金提供方）进行核心风控并放款及贷后管理，亚投宏远只做贷款信息咨询服务，并向借款人收取贷款咨询服务费或者资金提供方给予返佣的业务，不涉及贷款放贷资质、资金池、非法集资等监管红线。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">融资咨询服务费合理合情：在资金提供方风险可控的前提下提供有偿服务，控制借款人的融资成本(服务费和利率之和)控制在年化利率15%以内，维护借贷双方的利益相对平衡。</p>\r\n<p style=\"text-indent: 2em; line-height: 2em;\">亚投宏远融资咨询业务以省时、省心、专业、高效为服务宗旨，为广大借贷需求者特别是中小微提供贷款解决方案，缓解融资难题。</p>",
"type": 0,
"type_name": "中小企业的贷款资讯",
"count": 102,
"modified_user": {
"username": "高登辉"
},
"created": "2019-09-03 00:00",
"modified": "2025-06-27 13:29",
"recommend": "不推荐"
}
]
}
