{ "schema": "product-soft-score-proposal-v1", "status": "draft_pending_business_approval", "createdAtUtc": "2026-10-19T06:55:28.087087+00:00", "sourceSnapshotPath": "D:\\AAdesk\\202609\\airz-backups\\optional-fund-path-resume-20261019-r1\\context.json", "sourceSnapshotSha256": "1e19a3485fcbcb08583ca036266b2f537d2f0f486fbc6a6561b1bc7750069d8b", "purpose": "Supplement one to three platform reference scoring factors for every current product, without inventing bank scorecards", "defaultBaseScore": 80, "unknownDelta": 0, "scoreRange": [ 0, 100 ], "totalProducts": 25, "totalRules": 74, "newManualAiConditions": 0, "productionApplied": false, "historicalReportsRecalculated": false, "products": [ { "productId": "56", "productName": "优客分期", "bankName": "中国银行", "baselineVersion": 1, "baselinePresentationSha256": "71ac398c942ef2362e86a67c1661c800bc9db549923eaba19085ef83f9f1d555", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_income15", "field": "monthlyIncome", "operator": "gte", "value": "15000.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。15000元参考原资料收入档位；填报月收入不等同纳税月均收入，仅作独立平台分值因素，不证明工薪或房产完整路径满足。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "填报月收入不少于15000元", "points": 5, "classification": "platform_reference", "explanation": "15000元参考原资料收入档位；填报月收入不等同纳税月均收入，仅作独立平台分值因素，不证明工薪或房产完整路径满足。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料包含工薪收入与房产进件方向；收入与房产在本方案中仅作为独立参考特征。" }, { "productId": "57", "productName": "中银E贷", "bankName": "中国银行", "baselineVersion": 1, "baselinePresentationSha256": "959a92492c4aa283e4413aebd3ae689bcc6ee38aecdd22cda57e84d0391d3aed", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 10, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料明确有住房公积金半年以上的客群路径。" }, { "productId": "58", "productName": "随心智贷", "bankName": "中国银行", "baselineVersion": 1, "baselinePresentationSha256": "4125b6e6e291a3a3c12f6135fbd30cd8109cf8c2fec38eaea44c2f990cab57f1", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料包含公积金及按揭房进件方向；本方案的6个月及有房特征不替代原12／24个月与银行按揭要求。" }, { "productId": "59", "productName": "集团E贷", "bankName": "农业银行", "baselineVersion": 1, "baselinePresentationSha256": "28a8d7e7fdd3b681f509189044ca2d321b122cfcc7e85c00b04643a9b566d0b0", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_income5", "field": "monthlyIncome", "operator": "gte", "value": "5000.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台按填报月收入作独立参考；原资料月收入5000元门槛仍按银行口径核对，不把自填视为已核验收入。" }, { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "填报月收入不少于5000元", "points": 5, "classification": "platform_reference", "explanation": "平台按填报月收入作独立参考；原资料月收入5000元门槛仍按银行口径核对，不把自填视为已核验收入。" }, { "label": "公积金在缴参考", "points": 10, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料列月收入5000元（含）以上及公积金在缴客群；单位条件仍独立核对。" }, { "productId": "60", "productName": "网捷贷", "bankName": "农业银行", "baselineVersion": 1, "baselinePresentationSha256": "424d2cddca0af0932f70dafa6ef68288c07f28c19578f5e62ccbf29cea7f32fd", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 10, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "社保缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金、社保进件方向；本方案6个月特征不替代原24个月及更新时点条件。" }, { "productId": "61", "productName": "乐分易", "bankName": "农业银行", "baselineVersion": 1, "baselinePresentationSha256": "236390283fb96c413a3e3e59b5ed953a59c28677163a84a6ff17cc7f182d7324", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料包含公积金、房产路径；本方案不代替12个月、8500元平均基数或产权状态等组合要求。" }, { "productId": "62", "productName": "快贷", "bankName": "建设银行", "baselineVersion": 1, "baselinePresentationSha256": "3a4cc2708576699080dc2107c7e80949c407ace5f708363ecfba5438361278e7", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_card0", "field": "creditCardUsedLimit", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "信用卡当前已用额度为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料债务比例分母及口径未明确；采用平台通用现有月供、当前卡使用余额因素，不据原经验描述设置30%或50%评分阈值。" }, { "productId": "63", "productName": "建易贷", "bankName": "建设银行", "baselineVersion": 1, "baselinePresentationSha256": "508cbda895e3086be39596129c2ef61e4131df202d3e0c22c69225a8761ca55b", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_card0", "field": "creditCardUsedLimit", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金在缴参考", "points": 5, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "信用卡当前已用额度为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金客群和信用卡负担要求；不将有公积金替代近三年缴存次数或单位条件，也不将当前卡使用余额替代半年使用率。" }, { "productId": "64", "productName": "分期通", "bankName": "建设银行", "baselineVersion": 1, "baselinePresentationSha256": "50a1b3a5207aaf84214ec95e4fef8efea73f7f5e91ddb00f7f945fd1a37ad1d7", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_car", "field": "car", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "持有房产参考", "points": 10, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "持有车辆参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料将房产、车辆列为辅助资料；本平台不据有车推断行驶证已满一年。" }, { "productId": "65", "productName": "融E借", "bankName": "工商银行", "baselineVersion": 1, "baselinePresentationSha256": "a105e9cb7192eeb2f2a4f361dcdb5eaa460c960c834ce51af70efa20930c350a", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金在缴参考", "points": 5, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料将公积金、房贷列为有利方向但未给分值；本方案只按公积金在缴、有房作平台参考，不宣称高基数或工行按揭。" }, { "productId": "66", "productName": "闪电贷", "bankName": "招商银行", "baselineVersion": 1, "baselinePresentationSha256": "55f665cdf7349c185235f37f39bda2c127c5be9818dfa6aa2f002a04c4f5db63", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金在缴参考", "points": 10, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金进件方向并列按揭房有利因素；本方案只使用在缴及有房事实，不伪造招行往来或征信按揭记录。" }, { "productId": "67", "productName": "信秒贷", "bankName": "中信银行", "baselineVersion": 1, "baselinePresentationSha256": "0c4cc80a79fd7d8ddd593b73c7eedf9d6d2ba812ed4741e79f80abf19f3e11da", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_card0", "field": "creditCardUsedLimit", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "信用卡当前已用额度为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料关注月供、信用卡及贷款负担，银行分项与半年均值未采集；使用平台通用当前负担因素，不补造征信或小贷结清结论。" }, { "productId": "68", "productName": "圆梦金", "bankName": "中信银行", "baselineVersion": 1, "baselinePresentationSha256": "dd974d4c3522afb5ca1e8254120f3576057ae60fc7063f2f7552301542a44c4e", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "社保缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料包含房产、社保路径；本方案只作独立特征参考，不确认单位、学历、代发、基数或城市组合条件。" }, { "productId": "69", "productName": "惠民贷", "bankName": "交通银行", "baselineVersion": 1, "baselinePresentationSha256": "48687c3278288d5dd343ad487e278bdcc1d4a8e60e88cc565351a27007e8828e", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金在缴参考", "points": 10, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金及房产进件方向；不推定交行信用卡、代发、银行按揭或职业分类。" }, { "productId": "70", "productName": "浦闪贷", "bankName": "浦发银行", "baselineVersion": 1, "baselinePresentationSha256": "abf1581afee1bd9d075951666aea40104a8f026febe8768d088014d6e6b358df", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_card0", "field": "creditCardUsedLimit", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "信用卡当前已用额度为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用当前信用卡负担参考项；不替代近3个月或6个月平均使用率、发卡机构数或征信白户判断。零信用卡政策合法派生的0可使用。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料未提供可映射到现有表单的定量加分门槛；仅采用平台通用现有月供、当前卡使用余额及明确零收入风险项。" }, { "productId": "71", "productName": "易达金", "bankName": "华夏银行", "baselineVersion": 1, "baselinePresentationSha256": "2ca8c2abca92518a83800782bcdd677a42fee7c917fb90a9f2bfd44b72e9395d", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_car", "field": "car", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "持有房产参考", "points": 10, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "持有车辆参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料列房贷、车等有利因素；本方案使用有房／有车参考，分值为平台建议，未推定银行按揭、学历、单位或保单。" }, { "productId": "72", "productName": "邮享贷", "bankName": "邮储银行", "baselineVersion": 1, "baselinePresentationSha256": "c9db013f6524eb3b134f46031a6b8ef2a61b2ff2a43774bbc4bb769f835b78bf", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 10, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料以公积金为客群方向；6个月参考不代替原2年及个人缴存额500元要求，月供为平台通用现金支出参考。" }, { "productId": "73", "productName": "诚易贷", "bankName": "南银法巴消费金融", "baselineVersion": 1, "baselinePresentationSha256": "8b5b326804b4d3a27cbfbd8cad5ea3817a339290ef15cee621b0c5dc56e68f72", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "社保缴存满6个月参考", "points": 10, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料明确社保及房产客群；本方案6个月／有房不替代具体户籍、学历、经营执照或12个月分支。" }, { "productId": "74", "productName": "光速贷", "bankName": "光大银行", "baselineVersion": 1, "baselinePresentationSha256": "7774ab50c8b91b7d324ad02282f0b1cb949f495c2e4d030d1484d318264c2aad", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金、房产／按揭进件方向；不把6个月或有房视为同单位12个月或光大往来已满足。" }, { "productId": "75", "productName": "润薪贷", "bankName": "华润银行", "baselineVersion": 1, "baselinePresentationSha256": "ec1226a97874bfd53f7e73f78822efb5e9220efeddccef4ab861152d13317fc0", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_income12", "field": "monthlyIncome", "operator": "gte", "value": "12000.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。12000元来自原资料部分客群收入参考；仅作平台分值因素，不等同银行月均认定收入，也不把它扩展为所有客群的准入门槛。" }, { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "填报月收入不少于12000元", "points": 5, "classification": "platform_reference", "explanation": "12000元来自原资料部分客群收入参考；仅作平台分值因素，不等同银行月均认定收入，也不把它扩展为所有客群的准入门槛。" }, { "label": "公积金在缴参考", "points": 5, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料部分客群收入参考12000元并有社保／公积金方向；不把自填收入视为银行认定收入，也不向其他客群新增门槛。" }, { "productId": "76", "productName": "润秒贷", "bankName": "华润银行", "baselineVersion": 1, "baselinePresentationSha256": "3f79c9cc8ec85f8281f7c73f1ad90fc9fd3dee7684c7343f2f1536884aef8529", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_car", "field": "car", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "社保缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "持有车辆参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有车，不据此确认行驶证年限、车贷银行、按揭或抵押状态。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料将社保及月供车列为进件方向；只参考缴存记录和持有车辆，不推定广东手机号归属、贷款状态或客户身份。" }, { "productId": "77", "productName": "徽享薪易贷", "bankName": "徽商银行", "baselineVersion": 1, "baselinePresentationSha256": "eb0de899ed5cc1068403e00f2a8521992e02be3a6928736a78000e79f5198eb2", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund", "field": "housingFund", "operator": "in", "value": [ "under_six_months", "six_months_plus" ], "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金在缴参考", "points": 10, "classification": "platform_reference", "explanation": "填报信息显示正在缴存公积金；不据此确认同单位、基数、白名单或某条完整进件路径。" }, { "label": "社保缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料公积金路径无具体时长门槛，社保半年为建议；公积金在缴和社保半年仅影响平台参考分。" }, { "productId": "78", "productName": "鹏城e贷", "bankName": "徽商银行", "baselineVersion": 1, "baselinePresentationSha256": "f937f42d294ea82208ccc2c466fc2dd9e50ac970544ddffafe09b5063689c31d", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金满12个月及单位／基数分档；本方案6个月仅为履历参考，不代替完整路径，月供为通用现金支出参考。" }, { "productId": "79", "productName": "民易贷", "bankName": "民生银行", "baselineVersion": 1, "baselinePresentationSha256": "5e5b7e41fa9c16256ecdf41497d762630e3054fabe617913955c4096f94f9a39", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_fund6", "field": "housingFund", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "rule": { "id": "soft_ref_house", "field": "house", "operator": "eq", "value": "yes", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "公积金缴存满6个月参考", "points": 5, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；原产品12个月、24个月、近三年累计次数、同单位或基数等要求仍独立核对。" }, { "label": "持有房产参考", "points": 5, "classification": "platform_reference", "explanation": "只表示填报有房，不据此确认房屋城市、产权年限、按揭、特定银行贷款或抵押记录。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料有公积金及按揭路径；本方案不推定单位白名单、连续12／18个月、本行／他行按揭或职业限制。" }, { "productId": "80", "productName": "职享贷", "bankName": "深圳农商行", "baselineVersion": 1, "baselinePresentationSha256": "77018e845f9a3e7eec78d1d4b496a12c4775ab21267b95bd380755fcb0fb641c", "baseScore": 80, "softConditions": [ { "rule": { "id": "soft_ref_social6", "field": "socialSecurity", "operator": "eq", "value": "six_months_plus", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 10, "note": "平台参考评分项，非银行官方评分或硬门槛。只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "rule": { "id": "soft_ref_payment0", "field": "monthlyLoanPayment", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": 5, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "rule": { "id": "soft_ref_income0", "field": "monthlyIncome", "operator": "eq", "value": "0.00", "requiredSource": "self_reported" }, "applicantTypes": [ "personal" ], "points": -10, "note": "平台参考评分项，非银行官方评分或硬门槛。平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "ruleDescriptions": [ { "label": "社保缴存满6个月参考", "points": 10, "classification": "platform_reference", "explanation": "只按当前填报的缴存档位判断满6个月；不替代本单位连续12个月、单位类别、职业或收入核验。" }, { "label": "现有贷款月还款额为0", "points": 5, "classification": "platform_reference", "explanation": "平台通用现金支出参考项，不代表总负债为0或银行偿债能力已通过；零贷款政策合法派生的0可使用，普通缺填不当作0。" }, { "label": "已填报月收入为0", "points": -10, "classification": "platform_reference", "explanation": "平台通用收入风险参考项；仅明确填报0时减分，缺填、格式无效或未知不减分。减分不新增银行硬拒绝条件。" } ], "sourceBasis": "原资料以社保客群为主要方向；本方案6个月不替代本单位满一年，现有月供不替代原银行收入负债比。" } ] }