{ "schemaVersion": 1, "reviewDate": "2026-10-15", "status": "offline_review_complete_no_runtime_change", "scope": "25款历史回执重建个人产品；包含ID56及其余24款。不是当前正式库新导出，不是银行现行政策核验。", "restrictions": { "preserveAllCurrentFormFields": true, "preserveAllSubmittedData": true, "expandPrivacyWhitelist": false, "runtimeChanged": false, "productionAccess": false, "deployed": false, "newModelCalls": 0, "rerunHistoricalEntry": false, "deviceAcceptance": false, "commitOrPush": false }, "historicalCatalogSnapshotId": "277a71c488e255e2af9808ef822b96ef9a9b125bba98cdf14d91b89cd67e71fc", "summary": { "productCount": 25, "otherProductsBesides56": 24, "conditionCount": 82, "templateCount": 100, "historicalConditionOutcomes": { "unknown": 61, "pass": 21 }, "historicalShownRecommendations": 17, "historicalShownCautions": 0, "independentTemplateConditionCount": 12, "independentTemplateProductIds": [ "62", "65", "67", "69", "70", "76" ], "ambiguousPathTemplateCount": 10, "ambiguousPathProductIds": [ "62", "65", "67", "70", "76" ], "historicalCompletenessPercent": 100, "historicalProductUnknownCount": 25 }, "fieldBoundaries": { "age": { "label": "身份证派生周岁", "availability": "model_fact", "boundary": "只外发周岁；不外发完整证件，不推导性别、户籍或有效期。" }, "provinceCode": { "label": "所在省份", "availability": "model_fact", "boundary": "只证明省级地区；旧任务的可信城市事实另按原冻结口径。" }, "monthlyIncome": { "label": "月收入", "availability": "model_fact", "boundary": "普通自填月收入，不自动等于代发、纳税或银行月均认定收入。" }, "socialSecurity": { "label": "社保连续缴纳", "availability": "model_fact", "boundary": "当前连续时长区间，不自动证明本单位、征信更新或近三年缴存次数。" }, "housingFund": { "label": "公积金连续缴纳", "availability": "model_fact", "boundary": "同上；区间只可支持其明确包含的范围。" }, "socialSecurityBase": { "label": "社保月基数", "availability": "model_fact", "boundary": "当前工资基数，不自动等于均值或个人缴存额。" }, "housingFundBase": { "label": "公积金月基数", "availability": "model_fact", "boundary": "当前工资基数，不等于个人缴存额、历史平均基数。" }, "totalDebtBalance": { "label": "欠款总余额", "availability": "model_fact", "boundary": "总余额不等于某种信用／经营贷款余额，也不是资产负债比。" }, "monthlyLoanPayment": { "label": "贷款月还款金额", "availability": "model_fact", "boundary": "不自动包含本笔贷款、共同借款人或信用卡项，不自动剔除房贷。" }, "creditLoanCount": { "label": "信用贷款笔数", "availability": "model_fact", "boundary": "不等于贷款机构数、非银小贷笔数或查询次数。" }, "creditCardCount": { "label": "银行信用卡张数", "availability": "model_fact", "boundary": "不等于不同发卡机构数；范围一致时才可作机构数量上界，不能反向等同。" }, "creditCardTotalLimit": { "label": "信用卡总额度", "availability": "model_fact", "boundary": "当前全卡总额度，不自动拆出某行或历史额度。" }, "creditCardUsedLimit": { "label": "信用卡已使用总额度", "availability": "model_fact", "boundary": "当前值不是近三／六个月平均值。" }, "house": { "label": "是否有房", "availability": "model_fact", "boundary": "不证明房产城市、价值、净值、年限、红本或按揭银行。" }, "car": { "label": "是否有车", "availability": "model_fact", "boundary": "不证明行驶证满年、月供、抵押或贷款行。" }, "occupation": { "label": "职业类型", "availability": "retained_not_model_visible", "boundary": "已采集并保存／回填；当前自由文本职业不在模型事实白名单。" }, "company": { "label": "工作单位", "availability": "retained_not_model_visible", "boundary": "名称保留；不外发、不凭名称猜单位性质或银行白名单。" }, "phone": { "label": "手机号", "availability": "retained_not_model_visible", "boundary": "号码保留但不外发；模型不可见不代表用户未填。" }, "idCard": { "label": "身份证号", "availability": "retained_not_model_visible", "boundary": "号码保留；有效时仅派生周岁；证件到期日未从号码获取。" }, "name": { "label": "姓名／联系人", "availability": "retained_not_model_visible", "boundary": "身份资料保留，不为本轮模型审核扩大外发。" }, "maritalStatus": { "label": "婚姻状况", "availability": "retained_not_model_visible", "boundary": "保留原有采集和回填，本次25款条件未建立相应模型判断。" }, "enterpriseName": { "label": "企业名称", "availability": "retained_not_model_visible", "boundary": "企业表单保留；本次25款均为个人产品。" }, "businessCode": { "label": "统一社会信用代码", "availability": "retained_not_model_visible", "boundary": "企业表单保留，不作为个人产品事实外发。" }, "annualRevenue": { "label": "企业年营收", "availability": "enterprise_model_fact", "boundary": "企业事实按现有对象白名单使用；本次不作企业产品覆盖结论。" }, "operatingMonths": { "label": "企业经营月数", "availability": "enterprise_model_fact", "boundary": "企业表单保留；不移用于个人营业执照分支。" }, "documents": { "label": "资料照片", "availability": "retained_not_model_visible", "boundary": "上传入口／已有资料保留；未核验照片当前不参与评估，不做OCR或外发。" }, "authorizations": { "label": "数据授权及同意项", "availability": "retained_not_model_visible", "boundary": "保留选择意向；已勾选不代表已取得征信／公积金等外部数据。" } }, "promptCoverageLegend": { "P1": "本轮本地新提示：已有白名单事实继续使用，不因复合条件而忽略。", "P2": "本轮本地新提示：申请金额／期限／用途／新增月供不作当前补填；约束仍保留，不能设零。", "P3": "本轮本地新提示：保留与／或和适用路径；部分满足不等于整条通过。", "P4": "本轮本地新提示：现有数值与银行公式、历史值、房产价值不得互换；其他口径靠通用事实约束。", "P5": "本轮本地新提示：主报告只据完整度／异常／矛盾；不支持的固定正文不展示。", "E1": "此前已有提示／部分充分分支保护：完整独立路径满足即可，不索要其他路径。", "E2": "此前已有年龄事实及资质区间处理；不外推性别或证件有效期。", "E3": "此前已有地区提示／冻结名称：省份、城市、户籍、工作地、申请地、网点各自独立。" }, "confirmedHistoricalFindings": [ { "id": "F1", "type": "已确认申请字段误入历史补填", "conditions": [ "56|rule_qa_4" ], "conclusion": "本次申请金额出现在历史missingFields；新提示仅约束今后返回，不改旧报告。" }, { "id": "F2", "type": "已确认历史时长提示过于笼统", "conditions": [ "58|rule_qa_1", "61|rule_qa_2" ], "conclusion": "模型请求已有公积金12至24个月区间，不能笼统要求重填；仍应指出路径、精确年限／平均基数或单位依据。" }, { "id": "F3", "type": "已确认历史城市事实未用于对应名单", "conditions": [ "75|rule_qa_5", "77|rule_qa_5", "78|rule_qa_5" ], "conclusion": "该轮已提供深圳城市代码仍索要城市／申请地区；现省份输入不能套用历史城市通过预期。冻结名称和提示已在前轮处理，未做新模型验收。" }, { "id": "F4", "type": "已确认网点核实提示不具体", "conditions": [ "74|rule_qa_4" ], "conclusion": "仅写申请地区，未清楚提示光大网点覆盖；不能由所在城市或省份推断网点。" } ], "reviewRisksAndLimitations": [ { "id": "R1", "type": "可选路径资料混列风险", "conditions": [ "56|rule_qa_3", "58|rule_qa_1", "61|rule_qa_2", "68|rule_qa_1", "73|rule_qa_1", "74|rule_qa_2", "79|rule_qa_1" ], "conclusion": "历史缺失列表混合多个路径；这不能证明模型做了全AND，但提示可能让用户误以为须全部补齐。尤其圆梦金已有公积金基数，不应固定索要代发工资。" }, { "id": "R2", "type": "已采集但模型不可见", "conditions": [ "75|rule_qa_2", "79|rule_qa_1", "79|rule_qa_4" ], "conclusion": "职业、单位名称、电话按现有隐私边界保留而不外发；提示词可以约束措辞，不能让模型获知隐藏值或完成相关资格核验。" }, { "id": "R3", "type": "数值与银行统计口径不同", "conditions": [ "62|rule_qa_2", "63|rule_qa_3", "64|rule_qa_3", "67|rule_qa_2", "71|rule_qa_3", "72|rule_qa_1" ], "conclusion": "卡张数与发卡机构数、贷款笔数与机构数、当前与历史均值、总月供与剔除房贷后的信贷月供、缴存基数与个人缴存额不可等同。" }, { "id": "R4", "type": "理由独立文字条件不等于硬准入", "productIds": [ "62", "65", "67", "70", "76" ], "conclusion": "快贷、融E借、信秒贷、浦闪贷、润秒贷的部分客群关系保留在独立理由条件中；不能将82条硬条件覆盖等同于所有原文已成为可判硬门槛。本轮不改配置。" } ], "sourcesSha256": { "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/context.json": "ddbe51e0b6ea90d55ef832c27c40fd98af44811d5b50c2a9909d56bb0c9f38a0", "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/per-product-audit.json": "0f557b24ecfc82c5ac8fce7a54f4d8c875cb451ad39c3c59574e6ae66e5d0a2e", "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/report.json": "6537b5dba814dfef9dd943b37e7986c6ce1cd3150c79284d92230bbeac6df128", "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/calls.json": "20533234c01f9ec0ca4150918b6815aee8046b79333cdd43867325329d89e180", "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/semantic-review.json": "aee3c4e878d1f587b4652f1bf2a19df600d4d2e8e2781047b8197acea9d7ffd3", "D:/AAdesk/202609/airz-backups/product-ai-live-20261015-r5/execution.started": "d92faecdeca2707a329c341ec48655c7fd1dccb19357c085a63a15a538be6115", "D:/WorkSpace/cyun/ai融资/docs/产品材料/信用贷正式数据导入清单-20261009.json": "f8bf581e31465087057f9e675bb577f92a768c5606c597d31bb9a8568cbdc520", "D:/WorkSpace/cyun/ai融资/docs/产品材料/信用贷后20款整理清单-20261014.json": "a5ea7cfa04906c1e49a19806ab0ed157bbd2e2934fd7e6f3c8af2dcaa186494a", "D:/WorkSpace/cyun/ai融资/docs/产品材料/信用贷后20款录入上架回执-20261014.json": "7c1ed40d91911a2ecbe83e8f92c89977714c93e924f288029c82aebb39195d26" }, "products": [ { "productId": "56", "productName": "优客分期", "bankName": "中国银行", "productVersion": 1, "summary": "保留全部收入、负债和房产信息；具体申请不列为表单漏填，完整负债公式仍待核实。", "source": { "materialId": "credit-01", "sourceHeading": "中国银行—优客分期", "sourceParagraphs": [ { "paragraphNo": 1, "text": "中国银行—优客分期" }, { "paragraphNo": 2, "text": "户籍：大陆户籍。 " }, { "paragraphNo": 3, "text": "年龄：18-65周岁（年龄+贷款年限≤65岁）" }, { "paragraphNo": 4, "text": "额度：最高50万利率：1.35厘/月" }, { "paragraphNo": 5, "text": "期限：5年期有效还款方式：等额还款。" }, { "paragraphNo": 6, "text": "提前还款：没有违约金。" }, { "paragraphNo": 7, "text": "申请条件目标客群：" }, { "paragraphNo": 8, "text": "工薪族要求：" }, { "paragraphNo": 9, "text": "①公务员事业单位，八大垄断行业，金融机构，律师行业，世界500强企业，上市公司，国央企，专精特新小巨人，国高企业等优质单位，本单位工作满1年以上；②普通单位：同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年；" }, { "paragraphNo": 10, "text": "房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上；征信要求(建议)征信要求：近三个月不超5次（含非银机构的话不超3次）；近一个月查询不超3次；逾期要求：当前无逾期，近两年连续逾期不超3，一年内不超5个1，半年内不超3个1；" }, { "paragraphNo": 11, "text": "负债要求：①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债计算方式=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额额度×1％；" }, { "paragraphNo": 12, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-01" }, "originalProductConditionText": "户籍：大陆户籍。\n年龄：18-65周岁（年龄+贷款年限≤65岁）\n额度：最高50万利率：1.35厘/月\n期限：5年期有效还款方式：等额还款。\n提前还款：没有违约金。\n申请条件目标客群：\n工薪族要求：\n①公务员事业单位，八大垄断行业，金融机构，律师行业，世界500强企业，上市公司，国央企，专精特新小巨人，国高企业等优质单位，本单位工作满1年以上；②普通单位：同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年；\n房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上；征信要求(建议)征信要求：近三个月不超5次（含非银机构的话不超3次）；近一个月查询不超3次；逾期要求：当前无逾期，近两年连续逾期不超3，一年内不超5个1，半年内不超3个1；\n负债要求：①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债计算方式=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额额度×1％；", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍信息" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据；身份证号、所在省份均不能证明当前户籍。", "review": "历史unknown合理；不得建议重填身份证或所在省份来替代户籍。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "353ddbaf90e03a0df8afc1d5be36c2f2c51261a9f43a9bf1100774836355c7e9", "kind": "hard", "label": "年龄要求", "operator": "between", "value": "18", "valueMax": "65", "note": "仅按有效身份证计算的周岁核对上述年龄区间。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "年龄要求", "operator": "eq", "value": "18-65周岁（年龄+贷款年限≤65岁）。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "353ddbaf90e03a0df8afc1d5be36c2f2c51261a9f43a9bf1100774836355c7e9", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "当前冻结年龄区间无额外缺项。", "review": "历史pass引用年龄；原始年龄加贷款年限已由现有资质模式拆分，不能把年龄通过扩展为组合条件已核实。", "promptCoverage": [ "E2", "P2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "a389cc89a73b82fafec77a75fcc16d33ff682c4d715ef905651d77c955d16f8d", "kind": "hard", "label": "工薪或房产准入", "operator": "eq", "value": "工薪族：①公务员事业单位、八大垄断行业、金融机构、律师行业、世界500强企业、上市公司、国央企、专精特新小巨人、国高企业等优质单位，本单位工作满1年以上；②普通单位，同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年。房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上。", "valueMax": "", "note": "保留不同进件方案，不要求同时满足工薪与房产方案。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "工薪或房产准入", "operator": "eq", "value": "工薪族：①公务员事业单位、八大垄断行业、金融机构、律师行业、世界500强企业、上市公司、国央企、专精特新小巨人、国高企业等优质单位，本单位工作满1年以上；②普通单位，同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年。房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "保留不同进件方案，不要求同时满足工薪与房产方案。" }, "historicalJudgment": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "a389cc89a73b82fafec77a75fcc16d33ff682c4d715ef905651d77c955d16f8d", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "本单位工作年限", "房产持有年限", "中行贷款客户情况" ] }, "collectedFields": [ "socialSecurity", "housingFund", "socialSecurityBase", "housingFundBase", "monthlyIncome", "house", "provinceCode", "occupation", "company" ], "verificationScope": "按所选完整工薪或房产路径核实单位性质、本单位年限、同单位缴存关系、纳税收入或房产位置／持有时长／银行往来。", "review": "历史unknown可保留；不能把所有可选路径合并成必须补齐的清单，职业与单位名称已采集但不外发。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "private_collected_not_model_visible", "alternative_path_prompt_risk" ], "modelVisibleRelevantFields": [ "socialSecurity", "housingFund", "socialSecurityBase", "housingFundBase", "monthlyIncome", "house", "provinceCode" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "5dec6d89b97b1910d8f5684db3ba1befff439a6b277b6ad34d942cf559d9f6af", "kind": "hard", "label": "负债及偿债能力要求", "operator": "eq", "value": "①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额度×1％。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_4", "label": "负债及偿债能力要求", "operator": "eq", "value": "①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额度×1％。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "56", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "5dec6d89b97b1910d8f5684db3ba1befff439a6b277b6ad34d942cf559d9f6af", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "房产价值", "共同借款人负债", "本次申请金额", "信用卡近6个月平均使用额度", "信用卡近6个月平均未使用额度" ] }, "collectedFields": [ "monthlyIncome", "monthlyLoanPayment", "totalDebtBalance", "creditCardTotalLimit", "creditCardUsedLimit", "house" ], "verificationScope": "资产及房产价值、适用时的共同借款人和大额分期、信用卡历史均值；申请阶段负债核实依据。", "review": "确认历史missingFields含“本次申请金额”，与当前资质补填边界冲突。unknown保留，不能用本笔月供为零或当前卡使用额替代。", "promptCoverage": [ "P1", "P2", "P3", "P4" ], "flags": [ "application_field_in_missing" ], "modelVisibleRelevantFields": [ "monthlyIncome", "monthlyLoanPayment", "totalDebtBalance", "creditCardTotalLimit", "creditCardUsedLimit", "house" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "56", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "aa8f791ab68e48275383d9e8328d9bc754dcbd62d8c47dbcc87534ae677d67ca", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合优客分期的一项工薪或房产准入方案，具备相应申请条件。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "工薪族：①公务员事业单位、八大垄断行业、金融机构、律师行业、世界500强企业、上市公司、国央企、专精特新小巨人、国高企业等优质单位，本单位工作满1年以上；②普通单位，同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年。房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "工薪或房产准入", "unit": null }, "customConditionRef": "56|rule_qa_3" }, "historicalRaw": { "productId": "56", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "aa8f791ab68e48275383d9e8328d9bc754dcbd62d8c47dbcc87534ae677d67ca", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "56", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "aa8f791ab68e48275383d9e8328d9bc754dcbd62d8c47dbcc87534ae677d67ca", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "56", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "cc758bacea70dfbd1e280b0e65405f96842d0665e3b1f7197d7a74fb25e4c1a8", "ruleId": "rule_qa_4", "condition": "", "kind": "recommend", "text": "你的{X}符合优客分期的负债及偿债能力要求，可作为选择该产品的有利依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额度×1％。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "负债及偿债能力要求", "unit": null }, "customConditionRef": "56|rule_qa_4" }, "historicalRaw": { "productId": "56", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "cc758bacea70dfbd1e280b0e65405f96842d0665e3b1f7197d7a74fb25e4c1a8", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "56", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "cc758bacea70dfbd1e280b0e65405f96842d0665e3b1f7197d7a74fb25e4c1a8", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "56", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "ee071fa26c1300470befe171cda58dd4e8f3ad5d5c0adbc7b1df97d0ac3f4cc3", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "经确认，你的{X}未满足优客分期的任何工薪或房产准入方案，暂不推荐选择该产品。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "工薪族：①公务员事业单位、八大垄断行业、金融机构、律师行业、世界500强企业、上市公司、国央企、专精特新小巨人、国高企业等优质单位，本单位工作满1年以上；②普通单位，同一单位社保公积金缴存基数8000元以上，或者纳税收入月均15000元以上，需工作满两年。房产准入方案：①深房持有满1年以上；②中行贷款客户6个月以上。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "工薪或房产准入", "unit": null }, "customConditionRef": "56|rule_qa_3" }, "historicalRaw": { "productId": "56", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "ee071fa26c1300470befe171cda58dd4e8f3ad5d5c0adbc7b1df97d0ac3f4cc3", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "56", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "ee071fa26c1300470befe171cda58dd4e8f3ad5d5c0adbc7b1df97d0ac3f4cc3", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "56", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "4e306397a4aca6157a3731b1d86ba3f31e740f06c8e34453e7fece3cba8c926f", "ruleId": "rule_qa_4", "condition": "", "kind": "caution", "text": "经确认，你的{X}未达到优客分期的负债或偿债能力要求，建议改善相关情况后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①资产负债比不超100%；②月收入需覆盖月债务支出（包含共同借款人名下负债以及本次申请）；③房产准入客户需房产价值能覆盖本笔+名下所有负债；④月负债=名下所有贷款月供之和+大额分期月供之和+本笔贷款月供+信用卡近6个月平均使用额度×10％+信用卡近6个月平均未使用额度×1％。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "负债及偿债能力要求", "unit": null }, "customConditionRef": "56|rule_qa_4" }, "historicalRaw": { "productId": "56", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "4e306397a4aca6157a3731b1d86ba3f31e740f06c8e34453e7fece3cba8c926f", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "56", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "4e306397a4aca6157a3731b1d86ba3f31e740f06c8e34453e7fece3cba8c926f", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "57", "productName": "中银E贷", "bankName": "中国银行", "productVersion": 1, "summary": "公积金独立路径可用；网点覆盖和征信仍分别核实。", "source": { "materialId": "credit-02", "sourceHeading": "中国银行-中银E贷", "sourceParagraphs": [ { "paragraphNo": 13, "text": "中国银行-中银E贷" }, { "paragraphNo": 14, "text": "授信额度：最高30万；" }, { "paragraphNo": 15, "text": "年化利率：年化3%起；" }, { "paragraphNo": 16, "text": "还款期限：1-3年期；" }, { "paragraphNo": 17, "text": "还款方式：等额本息、先息后本一年。" }, { "paragraphNo": 18, "text": "准入要求申请人年龄：18-60周岁；准入区域：全国有中行网点即可准入。满足以下任意一点：①有缴纳住房公积金半年以上(缴纳时间越长越好，基数越高越好)；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工如：上市公司，国企，央企，公务员，事业单位，世界五百强等。征信要求 ①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）；负债要求（建议）：一般客户：信贷余额+信用卡已使用，不超10万；优质客户：信贷余额+信用卡已使用，不超50万；未结清信贷笔数：不超3笔；未结清小贷/网贷：最多1笔；房贷不算负债。" }, { "paragraphNo": 19, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-02" }, "originalProductConditionText": "授信额度：最高30万；\n年化利率：年化3%起；\n还款期限：1-3年期；\n还款方式：等额本息、先息后本一年。\n准入要求申请人年龄：18-60周岁；准入区域：全国有中行网点即可准入。满足以下任意一点：①有缴纳住房公积金半年以上(缴纳时间越长越好，基数越高越好)；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工如：上市公司，国企，央企，公务员，事业单位，世界五百强等。征信要求 ①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）；负债要求（建议）：一般客户：信贷余额+信用卡已使用，不超10万；优质客户：信贷余额+信用卡已使用，不超50万；未结清信贷笔数：不超3笔；未结清小贷/网贷：最多1笔；房贷不算负债。", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "5a9d2738218ea5448d033e423fd27db7f89137cc397e74c144d69b51c66f06b9", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "18-60周岁。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "18-60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "5a9d2738218ea5448d033e423fd27db7f89137cc397e74c144d69b51c66f06b9", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "6c865dbb8fa615264dbfb1972ae32f81789fb377e2b7151a28f54fe9d940f65f", "kind": "hard", "label": "中行网点准入", "operator": "eq", "value": "全国有中行网点即可准入。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_2", "label": "中行网点准入", "operator": "eq", "value": "全国有中行网点即可准入。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "6c865dbb8fa615264dbfb1972ae32f81789fb377e2b7151a28f54fe9d940f65f", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "中行网点覆盖情况" ] }, "collectedFields": [ "provinceCode" ], "verificationScope": "对应地区中行网点覆盖；仅省份不能证明实时网点。", "review": "历史unknown及“中行网点覆盖情况”指向准确。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [ "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "26c39e0517cc68c2791536a304bd0e189473fb3d8e66fa7109580b42347909d8", "kind": "hard", "label": "客群准入（满足任意一项）", "operator": "eq", "value": "满足以下任意一点：①缴纳住房公积金半年以上；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工，如上市公司、国企、央企、公务员、事业单位、世界五百强等。", "valueMax": "", "note": "公积金缴纳时间越长越好，基数越高越好。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "客群准入（满足任意一项）", "operator": "eq", "value": "满足以下任意一点：①缴纳住房公积金半年以上；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工，如上市公司、国企、央企、公务员、事业单位、世界五百强等。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "公积金缴纳时间越长越好，基数越高越好。" }, "historicalJudgment": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "26c39e0517cc68c2791536a304bd0e189473fb3d8e66fa7109580b42347909d8", "outcome": "pass", "evidenceRefs": [ "fact:housingFund" ], "missingFields": [] }, "collectedFields": [ "housingFund" ], "verificationScope": "已满足公积金分支时，无需其他银行往来或单位分支资料。", "review": "历史pass正确；不要再次索要代发、按揭或单位性质才能通过该条件。", "promptCoverage": [ "E1", "P3" ], "flags": [], "modelVisibleRelevantFields": [ "housingFund" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "10756afd71a530564beaf34a7f2b0588162bf394b73bd91853c668cc6dc877ba", "kind": "hard", "label": "征信要求", "operator": "eq", "value": "①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）。", "valueMax": "", "note": "保留原文征信口径。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信要求", "operator": "eq", "value": "①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "保留原文征信口径。" }, "historicalJudgment": { "productId": "57", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "10756afd71a530564beaf34a7f2b0588162bf394b73bd91853c668cc6dc877ba", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信报告" ] }, "collectedFields": [], "verificationScope": "当前及历史逾期、审批查询记录。", "review": "历史unknown合理；不能由自填负债或授权意向推断征信通过。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "57", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "5e744a454f2a74ebf65c91ddd151dc21f81528eabe548548df373a41520edeb6", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合中银E贷的一项客群准入要求，可进一步核实申请额度。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "满足以下任意一点：①缴纳住房公积金半年以上；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工，如上市公司、国企、央企、公务员、事业单位、世界五百强等。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "客群准入（满足任意一项）", "unit": null }, "customConditionRef": "57|rule_qa_3" }, "historicalRaw": { "productId": "57", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "5e744a454f2a74ebf65c91ddd151dc21f81528eabe548548df373a41520edeb6", "conditionOutcome": "pass", "applicable": true, "values": [ "公积金缴纳情况" ], "evidenceRefs": [ "fact:housingFund" ] }, "historicalNormalized": { "values": [ "公积金缴纳情况" ], "productId": "57", "applicable": true, "templateId": "template_qa_1", "evidenceRefs": [ "fact:housingFund" ], "templateHash": "5e744a454f2a74ebf65c91ddd151dc21f81528eabe548548df373a41520edeb6", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "57", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "2dbdcfc8162a864159476747b79d1f5d08c03d167813aa9e0ca6b968a339f743", "ruleId": "rule_qa_4", "condition": "", "kind": "recommend", "text": "你的{X}符合中银E贷的征信要求，可作为选择该产品的有利依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信要求", "unit": null }, "customConditionRef": "57|rule_qa_4" }, "historicalRaw": { "productId": "57", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "2dbdcfc8162a864159476747b79d1f5d08c03d167813aa9e0ca6b968a339f743", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "57", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "2dbdcfc8162a864159476747b79d1f5d08c03d167813aa9e0ca6b968a339f743", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "57", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "3edd96aa2b181f27ae8fd1f35e6a4d25a7ad5ab2969d5929701971fd4dcbee0f", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "经确认，你的{X}未满足中银E贷的任何客群准入条件，暂不推荐选择该产品。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "满足以下任意一点：①缴纳住房公积金半年以上；②中行代发存量客户；③中行住房按揭客户；④中行房贷抵押客户；⑤优质单位员工，如上市公司、国企、央企、公务员、事业单位、世界五百强等。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "客群准入（满足任意一项）", "unit": null }, "customConditionRef": "57|rule_qa_3" }, "historicalRaw": { "productId": "57", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "3edd96aa2b181f27ae8fd1f35e6a4d25a7ad5ab2969d5929701971fd4dcbee0f", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "57", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "3edd96aa2b181f27ae8fd1f35e6a4d25a7ad5ab2969d5929701971fd4dcbee0f", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "57", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "1ef96071e79e4c99ccf83c28cc9e74669f1b95e283223731ae69807506346a25", "ruleId": "rule_qa_4", "condition": "", "kind": "caution", "text": "经确认，你的{X}不符合中银E贷的征信要求，建议改善相关情况后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①申请人当前不能有逾期；②历史逾期不能有2；③近3个月查询不要有6次（贷款审批+信用卡审批）。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信要求", "unit": null }, "customConditionRef": "57|rule_qa_4" }, "historicalRaw": { "productId": "57", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "1ef96071e79e4c99ccf83c28cc9e74669f1b95e283223731ae69807506346a25", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "57", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "1ef96071e79e4c99ccf83c28cc9e74669f1b95e283223731ae69807506346a25", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "58", "productName": "随心智贷", "bankName": "中国银行", "productVersion": 1, "summary": "继续使用已填缴存区间，追加核实应指明路径与精度，不能笼统再要缴存时长。", "source": { "materialId": "credit-03", "sourceHeading": "中国银行-随心智贷", "sourceParagraphs": [ { "paragraphNo": 20, "text": "中国银行-随心智贷" }, { "paragraphNo": 21, "text": "授信额度：最高50万，" }, { "paragraphNo": 22, "text": "年化利率：年化3%起； " }, { "paragraphNo": 23, "text": "还款期限：3年（5年授信）；" }, { "paragraphNo": 24, "text": "还款方式：先息后本。" }, { "paragraphNo": 25, "text": " 准入要求一、以公积金进件1、普通单位：公积金连续缴满2年以上；2、优质单位：公积金连续缴满一年以上。二、以个税工资进件（个税大于1万以上）1、普通单位：需个税满2年，（即有24个月工资记录2、优质单位：如国企和上市企业等，个税满一年以上即可。三、以按揭房进件：（中行按揭房满半年，他行按揭满一年）。" }, { "paragraphNo": 26, "text": "征信要求 1、查询：近一个月查询小于6次，半年7次；一年15次，两年35次2、逾期：一年内不能有2；两年内不能有3；整体不连三累九；征信当前无逾期记录，五级分类正常；" }, { "paragraphNo": 27, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-03" }, "originalProductConditionText": "授信额度：最高50万，\n年化利率：年化3%起；\n还款期限：3年（5年授信）；\n还款方式：先息后本。\n准入要求一、以公积金进件1、普通单位：公积金连续缴满2年以上；2、优质单位：公积金连续缴满一年以上。二、以个税工资进件（个税大于1万以上）1、普通单位：需个税满2年，（即有24个月工资记录2、优质单位：如国企和上市企业等，个税满一年以上即可。三、以按揭房进件：（中行按揭房满半年，他行按揭满一年）。\n征信要求 1、查询：近一个月查询小于6次，半年7次；一年15次，两年35次2、逾期：一年内不能有2；两年内不能有3；整体不连三累九；征信当前无逾期记录，五级分类正常；", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "0c0e88d9cb4eecb08d963484dafbe339513322fa8ccc4c70676b62bcd06d35ff", "kind": "hard", "label": "进件方案（满足其中一类）", "operator": "eq", "value": "一、公积金进件：普通单位公积金连续缴满2年以上；优质单位连续缴满一年以上。二、个税工资进件（原文“个税大于1万以上”）：普通单位需个税满2年，即24个月工资记录；优质单位如国企、上市企业等满一年以上。三、按揭房进件：中行按揭房满半年，他行按揭满一年。", "valueMax": "", "note": "不同进件方案分别判断，不要求同时满足；个税数额口径保留原文。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "进件方案（满足其中一类）", "operator": "eq", "value": "一、公积金进件：普通单位公积金连续缴满2年以上；优质单位连续缴满一年以上。二、个税工资进件（原文“个税大于1万以上”）：普通单位需个税满2年，即24个月工资记录；优质单位如国企、上市企业等满一年以上。三、按揭房进件：中行按揭房满半年，他行按揭满一年。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "不同进件方案分别判断，不要求同时满足；个税数额口径保留原文。" }, "historicalJudgment": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "0c0e88d9cb4eecb08d963484dafbe339513322fa8ccc4c70676b62bcd06d35ff", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "公积金连续缴存时长", "个税工资记录", "按揭房情况" ] }, "collectedFields": [ "housingFund", "housingFundBase", "house", "monthlyIncome", "occupation", "company" ], "verificationScope": "先明确单位及进件路径；普通单位两年门槛超出当前区间可确认范围时才核实精确年限，个税／按揭路径另需相应凭据。", "review": "历史已有12至24个月区间，却再列“公积金连续缴存时长”，提示过于笼统；单位性质等仍未知，不能据此直接改pass。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "duration_already_provided_vague_missing", "private_collected_not_model_visible", "alternative_path_prompt_risk" ], "modelVisibleRelevantFields": [ "housingFund", "housingFundBase", "house", "monthlyIncome" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "79ad93a8b534b600fd9381b38d403cd9f332260bddb95da3d6ba989119ff0489", "kind": "hard", "label": "征信查询要求", "operator": "eq", "value": "近一个月查询小于6次，半年7次；一年15次，两年35次。", "valueMax": "", "note": "保留原文口径。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信查询要求", "operator": "eq", "value": "近一个月查询小于6次，半年7次；一年15次，两年35次。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "保留原文口径。" }, "historicalJudgment": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "79ad93a8b534b600fd9381b38d403cd9f332260bddb95da3d6ba989119ff0489", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信查询记录" ] }, "collectedFields": [], "verificationScope": "对应期间的征信查询次数和统计口径。", "review": "历史unknown合理，不把贷款笔数当查询次数。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "7d9d76b371c3e2e917c7af5e839db923c5cce2a0d6776544f3d9ea4b8e3efb9a", "kind": "hard", "label": "征信逾期与分类要求", "operator": "eq", "value": "一年内不能有2；两年内不能有3；整体不连三累九；征信当前无逾期记录，五级分类正常。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信逾期与分类要求", "operator": "eq", "value": "一年内不能有2；两年内不能有3；整体不连三累九；征信当前无逾期记录，五级分类正常。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "58", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "7d9d76b371c3e2e917c7af5e839db923c5cce2a0d6776544f3d9ea4b8e3efb9a", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信逾期记录", "五级分类情况" ] }, "collectedFields": [], "verificationScope": "逾期历史、当前状态、贷款五级分类。", "review": "历史unknown合理；保留原文各时间窗口。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "58", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "4a37d77bbda72f131d9e41d02575b0a8a89bd5dbe7408c1b27943a636c540d2a", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合随心智贷的一类进件方案，可按对应方案进一步准备申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "一、公积金进件：普通单位公积金连续缴满2年以上；优质单位连续缴满一年以上。二、个税工资进件（原文“个税大于1万以上”）：普通单位需个税满2年，即24个月工资记录；优质单位如国企、上市企业等满一年以上。三、按揭房进件：中行按揭房满半年，他行按揭满一年。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "进件方案（满足其中一类）", "unit": null }, "customConditionRef": "58|rule_qa_1" }, "historicalRaw": { "productId": "58", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "4a37d77bbda72f131d9e41d02575b0a8a89bd5dbe7408c1b27943a636c540d2a", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "58", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "4a37d77bbda72f131d9e41d02575b0a8a89bd5dbe7408c1b27943a636c540d2a", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "58", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "5c517b38cbe2b321b3aa2c302d459c33d82109d257c44b48d9ba531045eb6c15", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合随心智贷的逾期及信用分类要求，可作为选择该产品的有利依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "一年内不能有2；两年内不能有3；整体不连三累九；征信当前无逾期记录，五级分类正常。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信逾期与分类要求", "unit": null }, "customConditionRef": "58|rule_qa_3" }, "historicalRaw": { "productId": "58", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "5c517b38cbe2b321b3aa2c302d459c33d82109d257c44b48d9ba531045eb6c15", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "58", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "5c517b38cbe2b321b3aa2c302d459c33d82109d257c44b48d9ba531045eb6c15", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "58", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "0dc2bbf02f6cd70561ffee67f618da8c85fdbfda1db99ad076139eeb741b8b2d", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "经确认，你的{X}未满足随心智贷的任何进件方案，暂不推荐选择该产品。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "一、公积金进件：普通单位公积金连续缴满2年以上；优质单位连续缴满一年以上。二、个税工资进件（原文“个税大于1万以上”）：普通单位需个税满2年，即24个月工资记录；优质单位如国企、上市企业等满一年以上。三、按揭房进件：中行按揭房满半年，他行按揭满一年。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "进件方案（满足其中一类）", "unit": null }, "customConditionRef": "58|rule_qa_1" }, "historicalRaw": { "productId": "58", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "0dc2bbf02f6cd70561ffee67f618da8c85fdbfda1db99ad076139eeb741b8b2d", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "58", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "0dc2bbf02f6cd70561ffee67f618da8c85fdbfda1db99ad076139eeb741b8b2d", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "58", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "a4e881d3df2528bd99e54179c895b7d7325e7d9d0858da44ecf1da323b9dbb4b", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "经确认，你的{X}不符合随心智贷的征信查询要求，建议控制新增查询后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "近一个月查询小于6次，半年7次；一年15次，两年35次。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信查询要求", "unit": null }, "customConditionRef": "58|rule_qa_2" }, "historicalRaw": { "productId": "58", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "a4e881d3df2528bd99e54179c895b7d7325e7d9d0858da44ecf1da323b9dbb4b", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "58", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "a4e881d3df2528bd99e54179c895b7d7325e7d9d0858da44ecf1da323b9dbb4b", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "59", "productName": "集团E贷", "bankName": "农业银行", "productVersion": 1, "summary": "年龄和普通月收入可判断，优质单位与在职条件仍须独立核实。", "source": { "materialId": "credit-04", "sourceHeading": "农业银行-集团E贷", "sourceParagraphs": [ { "paragraphNo": 28, "text": "农业银行-集团E贷" }, { "paragraphNo": 29, "text": "授信额度：最高100万；" }, { "paragraphNo": 30, "text": "年化利率：年化3%起，" }, { "paragraphNo": 31, "text": "还款期限：最长5年；" }, { "paragraphNo": 32, "text": "还款方式：一年先息后本；3-5等额本息；提前还款无违约金。" }, { "paragraphNo": 33, "text": "准入要求1.年龄：23-59周岁；2.借款主体：优质单位公积金在缴客户；3.目标客群：在本单位工作1年(含)以上的正式在岗员工，月收入5000元(含)以上；①公务员，事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③金融集团：如银行、保险、信托、证券、基金公司等；④我行总、省、分行核心客户中高层管理人员。征信要求 ①当前无逾期；②近 2 年内逾期或欠息在 30 天（含）以内的次数≤6 次，近 2 年内不存在逾期或欠息在 90天以上的信用记录；③贷款及贷记卡账户五级分类不得出现次级、可疑、损失；④人行无呆账、资产处置、担保人代偿/代还记录。" }, { "paragraphNo": 34, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-04" }, "originalProductConditionText": "授信额度：最高100万；\n年化利率：年化3%起，\n还款期限：最长5年；\n还款方式：一年先息后本；3-5等额本息；提前还款无违约金。\n准入要求1.年龄：23-59周岁；2.借款主体：优质单位公积金在缴客户；3.目标客群：在本单位工作1年(含)以上的正式在岗员工，月收入5000元(含)以上；①公务员，事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③金融集团：如银行、保险、信托、证券、基金公司等；④我行总、省、分行核心客户中高层管理人员。征信要求 ①当前无逾期；②近2年内逾期或欠息在30天（含）以内的次数≤6次，近2年内不存在逾期或欠息在90天以上的信用记录；③贷款及贷记卡账户五级分类不得出现次级、可疑、损失；④人行无呆账、资产处置、担保人代偿/代还记录。", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "71c1ede54e20dff590898e79bdf36ebad80f8b406613076c710d18b775b3122f", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "23-59周岁。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "23-59周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "71c1ede54e20dff590898e79bdf36ebad80f8b406613076c710d18b775b3122f", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "cee08052164c40c634c69b873b3c17849195ead4bf18f3e40e0af9805fd9ca57", "kind": "hard", "label": "客群及在职要求", "operator": "eq", "value": "优质单位公积金在缴客户；在本单位工作1年（含）以上的正式在岗员工。目标客群：①公务员、事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③银行、保险、信托、证券、基金公司等金融集团；④农业银行总、省、分行核心客户中高层管理人员。", "valueMax": "", "note": "目标客群类别满足其中一类。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "客群及在职要求", "operator": "eq", "value": "优质单位公积金在缴客户；在本单位工作1年（含）以上的正式在岗员工。目标客群：①公务员、事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③银行、保险、信托、证券、基金公司等金融集团；④农业银行总、省、分行核心客户中高层管理人员。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "目标客群类别满足其中一类。" }, "historicalJudgment": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "cee08052164c40c634c69b873b3c17849195ead4bf18f3e40e0af9805fd9ca57", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "本单位工作年限" ] }, "collectedFields": [ "housingFund", "occupation", "company" ], "verificationScope": "目标单位类别、正式在岗与本单位工作满年关系。", "review": "历史unknown合理；已填工作单位名称不等于银行认定单位类别，也不应说用户没填单位。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [ "housingFund" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "3d35cb31d52e6768fe04f3402c0d1ec0267f21e7598955ec8d65e704c6cdd4c5", "kind": "hard", "label": "收入要求", "operator": "eq", "value": "月收入5000元（含）以上。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_3", "label": "收入要求", "operator": "eq", "value": "月收入5000元（含）以上。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "3d35cb31d52e6768fe04f3402c0d1ec0267f21e7598955ec8d65e704c6cdd4c5", "outcome": "pass", "evidenceRefs": [ "fact:monthlyIncome" ], "missingFields": [] }, "collectedFields": [ "monthlyIncome" ], "verificationScope": "本条自填月收入门槛无额外缺项。", "review": "历史pass引用20000元月收入，不能借银行认定收入的其他规则否定本条普通月收入事实。", "promptCoverage": [ "P1" ], "flags": [], "modelVisibleRelevantFields": [ "monthlyIncome" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "d5605499a886fb0f800d8e9740122a258828ba0debbe236aea323e6493e6492c", "kind": "hard", "label": "征信要求", "operator": "eq", "value": "①当前无逾期；②近2年内逾期或欠息在30天（含）以内的次数≤6次，近2年内不存在逾期或欠息在90天以上的信用记录；③贷款及贷记卡账户五级分类不得出现次级、可疑、损失；④人行无呆账、资产处置、担保人代偿/代还记录。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信要求", "operator": "eq", "value": "①当前无逾期；②近2年内逾期或欠息在30天（含）以内的次数≤6次，近2年内不存在逾期或欠息在90天以上的信用记录；③贷款及贷记卡账户五级分类不得出现次级、可疑、损失；④人行无呆账、资产处置、担保人代偿/代还记录。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "59", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "d5605499a886fb0f800d8e9740122a258828ba0debbe236aea323e6493e6492c", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信报告" ] }, "collectedFields": [], "verificationScope": "逾期、账户分类、呆账、代偿和处置记录。", "review": "历史unknown合理；资料完整度不证明这些条件通过。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "59", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "77039fc51e9a27be316e3b043b02e6c7e2d7ec5f208286a204a599ba548f36e7", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合集团E贷的客群及在职要求，具备相应申请条件。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "优质单位公积金在缴客户；在本单位工作1年（含）以上的正式在岗员工。目标客群：①公务员、事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③银行、保险、信托、证券、基金公司等金融集团；④农业银行总、省、分行核心客户中高层管理人员。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "客群及在职要求", "unit": null }, "customConditionRef": "59|rule_qa_2" }, "historicalRaw": { "productId": "59", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "77039fc51e9a27be316e3b043b02e6c7e2d7ec5f208286a204a599ba548f36e7", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "59", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "77039fc51e9a27be316e3b043b02e6c7e2d7ec5f208286a204a599ba548f36e7", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "59", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "5a2eaeec61025435fdea86382911ab5e91d37b15e0fc39cdcc84c1a83b613463", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的月收入为{X}，达到集团E贷月收入5000元（含）以上的要求。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "月收入5000元（含）以上。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "收入要求", "unit": null }, "customConditionRef": "59|rule_qa_3" }, "historicalRaw": { "productId": "59", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "5a2eaeec61025435fdea86382911ab5e91d37b15e0fc39cdcc84c1a83b613463", "conditionOutcome": "pass", "applicable": true, "values": [ "20000元" ], "evidenceRefs": [ "fact:monthlyIncome" ] }, "historicalNormalized": { "values": [ "20000元" ], "productId": "59", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:monthlyIncome" ], "templateHash": "5a2eaeec61025435fdea86382911ab5e91d37b15e0fc39cdcc84c1a83b613463", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "59", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "fd386519492c8a65e35d23775c927621ba0c2a44bc0497ca0fe22d8ab4aeae80", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "经确认，你的{X}不符合集团E贷的客群或在职要求，暂不推荐选择该产品。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "优质单位公积金在缴客户；在本单位工作1年（含）以上的正式在岗员工。目标客群：①公务员、事业单位（公办学校老师/医院医生）等；②大型国有企业员工（含国企控股企业员工）；③银行、保险、信托、证券、基金公司等金融集团；④农业银行总、省、分行核心客户中高层管理人员。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "客群及在职要求", "unit": null }, "customConditionRef": "59|rule_qa_2" }, "historicalRaw": { "productId": "59", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "fd386519492c8a65e35d23775c927621ba0c2a44bc0497ca0fe22d8ab4aeae80", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "59", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "fd386519492c8a65e35d23775c927621ba0c2a44bc0497ca0fe22d8ab4aeae80", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "59", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "b9dcaad1c471c8f09da7ca27f555e6a4709a920d0fd43a26210367ebee5875e9", "ruleId": "rule_qa_4", "condition": "", "kind": "caution", "text": "经确认，你的{X}不符合集团E贷的征信要求，建议改善相关情况后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①当前无逾期；②近2年内逾期或欠息在30天（含）以内的次数≤6次，近2年内不存在逾期或欠息在90天以上的信用记录；③贷款及贷记卡账户五级分类不得出现次级、可疑、损失；④人行无呆账、资产处置、担保人代偿/代还记录。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信要求", "unit": null }, "customConditionRef": "59|rule_qa_4" }, "historicalRaw": { "productId": "59", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "b9dcaad1c471c8f09da7ca27f555e6a4709a920d0fd43a26210367ebee5875e9", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "59", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "b9dcaad1c471c8f09da7ca27f555e6a4709a920d0fd43a26210367ebee5875e9", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "60", "productName": "网捷贷", "bankName": "农业银行", "productVersion": 1, "summary": "保留公积金及社保事实，区分征信更新、缴存方式、路径适用性和经营贷余额。", "source": { "materialId": "credit-05", "sourceHeading": "农业银行-网捷贷", "sourceParagraphs": [ { "paragraphNo": 35, "text": "农业银行-网捷贷" }, { "paragraphNo": 36, "text": "最高100万，" }, { "paragraphNo": 37, "text": "年化利率：年化3%起；" }, { "paragraphNo": 38, "text": "还款期限：最长5年期；" }, { "paragraphNo": 39, "text": "还款方式：先息后本、随借随还。" }, { "paragraphNo": 40, "text": "准入要求年龄：22周岁到60周岁之间；" }, { "paragraphNo": 41, "text": "适用人群：农行个人住房贷款客户、代发工资客户、贵宾客户、部分地区按时缴纳住房公积金的客户、其他白名单客户。以下任意有一项：√【有房贷】①所关联个人住房贷款已还款时间超过24个月（含）；②所关联房产不处于房价下跌趋势、供大于求或我行个人住房贷款不良率较高的区域；③所关联房产为别墅等大户型的，借款人应为个私业主以外的其他身份；√【有公积金】①借款人征信报告中，拥有2年（含）以上公积金缴存信息，且最近更新日期在6个月以内；②借款人征信报告中，在我行或他行不存在个人经营性贷款余额；√【有社保】①借款人征信报告中，拥有2年（含）以上社会保险缴存信息，且最近更新日期在6个月以内；②借款人征信报告中，在我行或他行不存在个人经营性贷款余额；√【有代发工资】①借款人在我行代发工资期限超过1年（含）；②代发工资客户必须符合“随薪贷”单位准入条件；③借款人征信报告中，在我行或他行不存在个人经营性贷款余额；√【有借记卡客户】①借记卡交易流水记录超过2年（含）；②每年交易流水、交易频率等条件符合规定；③借款人征信报告中，在我行或他行不存在个人经营性贷款余额。资质准入：1、单位要求：公务员，事业单位，上市公司，国企，学校，医院、银行、机关政府；2、逾期：不能有连三累六，不能有当前逾期和习惯性逾期，五级分类正常，不能有执行；3、公积金基数不能低于5000，低于5000单位特别好的可以沟通；4、满足一年以上的公积金缴存，中间断交可以用社保或者个税线下进件；5、不接受第三方公积金缴存。征信要求 ①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④借款人担保的贷款五级分类无异常；⑤借款人征信报告中，在我行或他行不能存在有个人经营性贷款余额。   " }, { "paragraphNo": 42, "text": "      " } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-05" }, "originalProductConditionText": "最高100万，\n年化利率：年化3%起；\n还款期限：最长5年期；\n还款方式：先息后本、随借随还。\n准入要求年龄：22周岁到60周岁之间；\n适用人群：农行个人住房贷款客户、代发工资客户、贵宾客户、部分地区按时缴纳住房公积金的客户、其他白名单客户。以下任意有一项：√【有房贷】①所关联个人住房贷款已还款时间超过24个月（含）；②所关联房产不处于房价下跌趋势、供大于求或我行个人住房贷款不良率较高的区域；③所关联房产为别墅等大户型的，借款人应为个私业主以外的其他身份；√【有公积金】①借款人征信报告中，拥有2年（含）以上公积金缴存信息，且最近更新日期在6个月以内；②借款人征信报告中，在我行或他行不存在个人经营性贷款余额；√【有社保】①借款人征信报告中，拥有2年（含）以上社会保险缴存信息，且最近更新日期在6个月以内；②借款人征信报告中，在我行或他行不存在个人经营性贷款余额；√【有代发工资】①借款人在我行代发工资期限超过1年（含）；②代发工资客户必须符合“随薪贷”单位准入条件；③借款人征信报告中，在我行或他行不存在个人经营性贷款余额。√【有借记卡客户】①借记卡交易流水记录超过2年（含）；②每年交易流水、交易频率等条件符合规定；③借款人征信报告中，在我行或他行不存在个人经营性贷款余额。资质准入：1、单位要求：公务员，事业单位，上市公司，国企，学校，医院、银行、机关政府；2、逾期：不能有连三累六，不能有当前逾期和习惯性逾期，五级分类正常，不能有执行；3、公积金基数不能低于5000，低于5000单位特别好的可以沟通；4、满足一年以上的公积金缴存，中间断交可以用社保或者个税线下进件；5、不接受第三方公积金缴存。征信要求 ①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④借款人担保的贷款五级分类无异常；⑤借款人征信报告中，在我行或他行不能存在有个人经营性贷款余额。", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "ea53c9d63dcbc8f196818cba8753b866cd49ae087e34d4cac66a6ea54b36e1cc", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "22周岁到60周岁之间。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "22周岁到60周岁之间。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "ea53c9d63dcbc8f196818cba8753b866cd49ae087e34d4cac66a6ea54b36e1cc", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "ad1c6b3f0f549e5230d202d12c17cc9ef89f0885d70170c7fd43521428e31489", "kind": "hard", "label": "进件方案（满足任意一项）", "operator": "eq", "value": "①房贷：所关联个人住房贷款已还款超过24个月（含），房产不处于房价下跌、供大于求或农行住房贷款不良率较高区域；别墅等大户型借款人为个私业主以外身份。②公积金：征信报告有2年（含）以上缴存信息，最近更新在6个月内。③社保：征信报告有2年（含）以上缴存信息，最近更新在6个月内。④农行代发工资：超过1年（含），符合“随薪贷”单位准入。⑤借记卡：交易流水超过2年（含），每年流水及频率符合规定。", "valueMax": "", "note": "农行住房贷款、代发工资、贵宾、部分地区公积金及其他白名单客户；②③④⑤均不得存在个人经营性贷款余额。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "进件方案（满足任意一项）", "operator": "eq", "value": "①房贷：所关联个人住房贷款已还款超过24个月（含），房产不处于房价下跌、供大于求或农行住房贷款不良率较高区域；别墅等大户型借款人为个私业主以外身份。②公积金：征信报告有2年（含）以上缴存信息，最近更新在6个月内。③社保：征信报告有2年（含）以上缴存信息，最近更新在6个月内。④农行代发工资：超过1年（含），符合“随薪贷”单位准入。⑤借记卡：交易流水超过2年（含），每年流水及频率符合规定。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "农行住房贷款、代发工资、贵宾、部分地区公积金及其他白名单客户；②③④⑤均不得存在个人经营性贷款余额。" }, "historicalJudgment": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "ad1c6b3f0f549e5230d202d12c17cc9ef89f0885d70170c7fd43521428e31489", "outcome": "unknown", "evidenceRefs": [ "fact:housingFund", "fact:socialSecurity" ], "missingFields": [ "征信报告缴存信息及最近更新时间" ] }, "collectedFields": [ "housingFund", "socialSecurity", "house", "totalDebtBalance", "occupation" ], "verificationScope": "依选定路径核实征信所载缴存历史／最近更新，或房贷、代发、交易流水；适用路径另核实经营贷余额。", "review": "历史引用缴存事实而unknown合理；自填时长不是征信更新日期，不要求所有路径齐全。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "alternative_path_prompt_risk" ], "modelVisibleRelevantFields": [ "housingFund", "socialSecurity", "house", "totalDebtBalance" ], "retainedButNotModelVisibleFields": [ "occupation" ], "newModelOutcome": null }, { "condition": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "280c187f7f70ced0a71b971a222690ff5e52df2f2a32735a56e5d979a65bfc84", "kind": "hard", "label": "公积金进件资质", "operator": "eq", "value": "单位要求：公务员、事业单位、上市公司、国企、学校、医院、银行、机关政府。公积金基数不低于5000元，低于5000元单位特别好的可以沟通；不接受第三方公积金缴存；中间断交可以用社保或者个税线下进件。", "valueMax": "", "note": "仅公积金进件方案适用，不要求房贷等其他方案额外满足；缴存期按24个月一般口径，原文一年以上例外保留。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "公积金进件资质", "operator": "eq", "value": "单位要求：公务员、事业单位、上市公司、国企、学校、医院、银行、机关政府。公积金基数不低于5000元，低于5000元单位特别好的可以沟通；不接受第三方公积金缴存；中间断交可以用社保或者个税线下进件。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅公积金进件方案适用，不要求房贷等其他方案额外满足；缴存期按24个月一般口径，原文一年以上例外保留。" }, "historicalJudgment": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "280c187f7f70ced0a71b971a222690ff5e52df2f2a32735a56e5d979a65bfc84", "outcome": "unknown", "evidenceRefs": [ "fact:housingFundBase", "fact:housingFund" ], "missingFields": [ "单位性质", "公积金缴存方式" ] }, "collectedFields": [ "housingFund", "housingFundBase", "socialSecurity", "occupation", "company" ], "verificationScope": "仅公积金路径核实单位及非第三方缴存关系；原文例外不能自行扩大。", "review": "历史已引用基数和时长，仍缺单位／缴存方式合理；本路径未被采用时不能阻断其他独立路径。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "conditional_path_scope" ], "modelVisibleRelevantFields": [ "housingFund", "housingFundBase", "socialSecurity" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "60", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "02c1e2d07915055476044c92fcb68434434dcfc0fee49f7d1cc9a14a805f1702", "kind": "hard", "label": "征信及现有额度要求", "operator": "eq", "value": "①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④担保贷款五级分类无异常；⑤无个人经营性贷款余额；不得连三累六、习惯性逾期或有执行，五级分类正常。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信及现有额度要求", "operator": "eq", "value": "①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④担保贷款五级分类无异常；⑤无个人经营性贷款余额；不得连三累六、习惯性逾期或有执行，五级分类正常。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { 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"①房贷：所关联个人住房贷款已还款超过24个月（含），房产不处于房价下跌、供大于求或农行住房贷款不良率较高区域；别墅等大户型借款人为个私业主以外身份。②公积金：征信报告有2年（含）以上缴存信息，最近更新在6个月内。③社保：征信报告有2年（含）以上缴存信息，最近更新在6个月内。④农行代发工资：超过1年（含），符合“随薪贷”单位准入。⑤借记卡：交易流水超过2年（含），每年流水及频率符合规定。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "进件方案（满足任意一项）", "unit": null }, "customConditionRef": "60|rule_qa_2" }, "historicalRaw": { "productId": "60", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "60adb86b8c61d5420266230e05d68ab987adec2f3d6aa020d97a6bcb6a5c8047", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "60", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "60adb86b8c61d5420266230e05d68ab987adec2f3d6aa020d97a6bcb6a5c8047", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "60", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "1bd84f0b04e1e6dcd038d7535b6291079354316e2c34f6d42db8112dbebe614c", "ruleId": "rule_qa_4", "condition": "", "kind": "recommend", "text": "你的{X}符合网捷贷的征信及现有额度要求，可作为选择该产品的有利依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④担保贷款五级分类无异常；⑤无个人经营性贷款余额；不得连三累六、习惯性逾期或有执行，五级分类正常。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信及现有额度要求", "unit": null }, "customConditionRef": "60|rule_qa_4" }, "historicalRaw": { "productId": "60", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "1bd84f0b04e1e6dcd038d7535b6291079354316e2c34f6d42db8112dbebe614c", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "60", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "1bd84f0b04e1e6dcd038d7535b6291079354316e2c34f6d42db8112dbebe614c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "60", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "14ba56a0d4ab2c6236f451bbe64d2011fb70dffac919094d31b56014d4f9ee1f", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "经确认，你的{X}未满足网捷贷的任何进件方案，暂不推荐选择该产品。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①房贷：所关联个人住房贷款已还款超过24个月（含），房产不处于房价下跌、供大于求或农行住房贷款不良率较高区域；别墅等大户型借款人为个私业主以外身份。②公积金：征信报告有2年（含）以上缴存信息，最近更新在6个月内。③社保：征信报告有2年（含）以上缴存信息，最近更新在6个月内。④农行代发工资：超过1年（含），符合“随薪贷”单位准入。⑤借记卡：交易流水超过2年（含），每年流水及频率符合规定。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "进件方案（满足任意一项）", "unit": null }, "customConditionRef": "60|rule_qa_2" }, "historicalRaw": { "productId": "60", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "14ba56a0d4ab2c6236f451bbe64d2011fb70dffac919094d31b56014d4f9ee1f", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "60", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "14ba56a0d4ab2c6236f451bbe64d2011fb70dffac919094d31b56014d4f9ee1f", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "60", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "91ce1a67f8e6a2568eba8bf21fcbf764a8cdac690c75344552842be431b7ab95", "ruleId": "rule_qa_4", "condition": "", "kind": "caution", "text": "经确认，你的{X}不符合网捷贷的征信或现有额度要求，建议处理相关问题后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_4", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①不存在未到期的“网捷贷”贷款额度；②无当前逾期，不看查询；③最近24个月内不存在连续30天以上逾期记录，近2年累计逾期次数不超过4次；④担保贷款五级分类无异常；⑤无个人经营性贷款余额；不得连三累六、习惯性逾期或有执行，五级分类正常。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "征信及现有额度要求", "unit": null }, "customConditionRef": "60|rule_qa_4" }, "historicalRaw": { "productId": "60", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "91ce1a67f8e6a2568eba8bf21fcbf764a8cdac690c75344552842be431b7ab95", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "60", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "91ce1a67f8e6a2568eba8bf21fcbf764a8cdac690c75344552842be431b7ab95", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "61", "productName": "乐分易", "bankName": "农业银行", "productVersion": 1, "summary": "公积金时长和当前基数已经提供；应核实平均基数或另一条路径，而非让用户重填时长。", "source": { "materialId": "credit-06", "sourceHeading": "农业银行—乐分易", "sourceParagraphs": [ { "paragraphNo": 43, "text": "农业银行—乐分易" }, { "paragraphNo": 44, "text": "额度：最高30万；" }, { "paragraphNo": 45, "text": "期限：最长5年期。" }, { "paragraphNo": 46, "text": "还款方式：等额本息。" }, { "paragraphNo": 47, "text": "年龄：18—60周岁。" }, { "paragraphNo": 48, "text": "利率区间：月息2厘5。" }, { "paragraphNo": 49, "text": "户籍要求：大陆户籍。审批时效：农行网点建额，扫码审批，通过后绑卡消费准入要求准入要求（需满足以下任意要求）：" }, { "paragraphNo": 50, "text": "一，农业银行白名单客户（有在农行按揭，代发，缴纳公积金，信用卡活跃用户等），可查是否在白名单。二，公积金连续缴存12个月以上，平均月缴基数8500以上。三，个税代发1万以上满一年且公积金连续缴纳半年（个税或代发工资一万以上且满一年不看公积金基数）四，深房（红本）或按揭状态且公积金连续缴费满半年以上。" }, { "paragraphNo": 51, "text": "征信要求（建议）逾期：当前无逾期，近两年不能有2，进一年不能有5个1，半年不能有3个1。负债：信用贷款余额在50万以下，信用贷机构数建议3家以下信用卡：无特别要求查询次数：近12个月不超12次。" }, { "paragraphNo": 52, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-06" }, "originalProductConditionText": "额度：最高30万；\n期限：最长5年期。\n还款方式：等额本息。\n年龄：18—60周岁。\n利率区间：月息2厘5。\n户籍要求：大陆户籍。审批时效：农行网点建额，扫码审批，通过后绑卡消费准入要求准入要求（需满足以下任意要求）：\n一，农业银行白名单客户（有在农行按揭，代发，缴纳公积金，信用卡活跃用户等），可查是否在白名单。二，公积金连续缴存12个月以上，平均月缴基数8500以上。三，个税代发1万以上满一年且公积金连续缴纳半年（个税或代发工资一万以上且满一年不看公积金基数）四，深房（红本）或按揭状态且公积金连续缴费满半年以上。\n征信要求（建议）逾期：当前无逾期，近两年不能有2，进一年不能有5个1，半年不能有3个1。负债：信用贷款余额在50万以下，信用贷机构数建议3家以下信用卡：无特别要求查询次数：近12个月不超12次。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍信息" ] }, "collectedFields": [], "verificationScope": "当前户籍依据。", "review": "历史unknown合理，所在省份不证明户籍。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "38663c7e690f87b851eafd29301bc679a13ec49181d321933fb8b8b73aaf0fe8", "kind": "hard", "label": "客群及进件路径", "operator": "eq", "value": "原文列四条可选路径：①农业银行白名单客户；②公积金连续缴存12个月以上，平均月缴基数8500元以上；③个税或代发工资1万元以上且满一年，并有公积金连续缴纳半年；④深房红本或按揭状态，并有公积金连续缴费半年以上。第③条括号说明不看公积金基数，不等于免除缴存时长。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "客群及进件路径", "operator": "eq", "value": "原文列四条可选路径：①农业银行白名单客户；②公积金连续缴存12个月以上，平均月缴基数8500元以上；③个税或代发工资1万元以上且满一年，并有公积金连续缴纳半年；④深房红本或按揭状态，并有公积金连续缴费半年以上。第③条括号说明不看公积金基数，不等于免除缴存时长。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "38663c7e690f87b851eafd29301bc679a13ec49181d321933fb8b8b73aaf0fe8", "outcome": "unknown", "evidenceRefs": [ "fact:housingFund", "fact:housingFundBase", "fact:house" ], "missingFields": [ "公积金连续缴存时长", "平均月缴基数", "个税或代发工资情况", "房产按揭状态" ] }, "collectedFields": [ "housingFund", "housingFundBase", "house", "monthlyIncome", "provinceCode" ], "verificationScope": "公积金路径主要核实平均月缴基数；代发／个税或房产路径只核实所选路径的凭据与状态。", "review": "确认已有12至24个月区间仍列“公积金连续缴存时长”；平均基数并非当前基数，整条unknown不能因此直接改pass。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "duration_already_provided_vague_missing", "alternative_path_prompt_risk" ], "modelVisibleRelevantFields": [ "housingFund", "housingFundBase", "house", "monthlyIncome", "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "64043d91d483af4d3c5ff740c9df3c523dc97638ff270a34b58d587f989e0e1e", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "18—60周岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄要求", "operator": "eq", "value": "18—60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "61", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "64043d91d483af4d3c5ff740c9df3c523dc97638ff270a34b58d587f989e0e1e", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, 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"productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "61", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "010475029c068457abecbc6899a39955d7cabe5dd22502ae169a0faf32e5f56d", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合乐分易的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "18—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "61|rule_qa_3" }, "historicalRaw": { "productId": "61", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "010475029c068457abecbc6899a39955d7cabe5dd22502ae169a0faf32e5f56d", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "61", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "010475029c068457abecbc6899a39955d7cabe5dd22502ae169a0faf32e5f56d", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "62", "productName": "快贷", "bankName": "建设银行", "productVersion": 1, "summary": "征信缺失合理；发卡机构数、负债比例不能用卡张数或余额直接代替。", "source": { "materialId": "credit-07", "sourceHeading": "建设银行-快贷", "sourceParagraphs": [ { "paragraphNo": 53, "text": "建设银行-快贷" }, { "paragraphNo": 54, "text": "授信额度：最高30万，" }, { "paragraphNo": 55, "text": "年化利率：年化3.45%起； " }, { "paragraphNo": 56, "text": "还款期限：1年期（先息后本），3年期（等额）；" }, { "paragraphNo": 57, "text": "还款方式：等额本息、先息后本。 " }, { "paragraphNo": 58, "text": "准入要求1.年龄：18-60 周岁；2.适用人群：①建行存量房贷客户；②公积金缴存客户；③代发工资客户；④建行理财客户；⑤已办理抵押且未结清的住房贷款客户等。征信要求 ①征信无当前逾期；②近 2 年，逾期不能有 2，累计不超过 5 个 1；③查询：近 6 个月≤20 次，且无贷款发放记录和信用卡开户记录；④信用卡发卡机构数≤7 家；⑤总负债低于 50%，大多数是低于 30%的成功率高一些。" }, { "paragraphNo": 59, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-07" }, "originalProductConditionText": "授信额度：最高30万，\n年化利率：年化3.45%起； \n还款期限：1年期（先息后本），3年期（等额）；\n还款方式：等额本息、先息后本。 \n准入要求1.年龄：18-60 周岁；2.适用人群：①建行存量房贷客户；②公积金缴存客户；③代发工资客户；④建行理财客户；⑤已办理抵押且未结清的住房贷款客户等。征信要求 ①征信无当前逾期；②近 2 年，逾期不能有 2，累计不超过 5 个 1；③查询：近 6 个月≤20 次，且无贷款发放记录和信用卡开户记录；④信用卡发卡机构数≤7 家；⑤总负债低于 50%，大多数是低于 30%的成功率高一些。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "62", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "c4b7d3c9901f6fe9bbe6865ed61d9ee766cdfb44f61d3a1abf60089c521608bc", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "18—60周岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "18—60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "62", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "c4b7d3c9901f6fe9bbe6865ed61d9ee766cdfb44f61d3a1abf60089c521608bc", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "62", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "f4e320d49bb43350b6b336110d484177896df820518c0985563ddc298f5964d8", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①征信无当前逾期；②近 2 年，逾期不能有 2，累计不超过 5 个 1；③查询：近 6 个月≤20 次，且无贷款发放记录和信用卡开户记录；④信用卡发卡机构数≤7 家；⑤总负债低于 50%，大多数是低于 30%的成功率高一些。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①征信无当前逾期；②近 2 年，逾期不能有 2，累计不超过 5 个 1；③查询：近 6 个月≤20 次，且无贷款发放记录和信用卡开户记录；④信用卡发卡机构数≤7 家；⑤总负债低于 50%，大多数是低于 30%的成功率高一些。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "62", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "f4e320d49bb43350b6b336110d484177896df820518c0985563ddc298f5964d8", "outcome": "unknown", "evidenceRefs": [ "fact:creditCardCount", "fact:creditLoanCount", "fact:totalDebtBalance" ], "missingFields": [ "征信报告" ] }, "collectedFields": [ "creditCardCount", "creditLoanCount", "totalDebtBalance" ], "verificationScope": "征信、半年新增贷款及开卡记录、不同发卡机构数、负债比例的分母和口径。", "review": "历史unknown合理；卡张数不是机构数，但在同一范围内可作数量上界，不能把二者等同或凭此通过整条；低于30%属于经验描述。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "count_scope_mismatch" ], "modelVisibleRelevantFields": [ "creditCardCount", 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"values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "62", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "c8e2cf8c3b1ca77be8ee68f09efc46ced88020effa729842ee0de0b75a110cd7", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "62", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "8057f0ac7a079f8295bba7a7b043472a4589066a3bfcf5213f752f8add51364a", "ruleId": "", "condition": "存量客户及进件要求：适用人群包括建行存量房贷、公积金缴存、代发工资、建行理财、已办理抵押且未结清的住房贷款客户等。原文为适用人群列举，未完整说明各路径附加条件。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "caution", "text": "原文进件关系核实后，已确认你的{X}未达到快贷的对应进件要求，建议先核实适用方案。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "62", "productVersion": 1, "templateId": "template_qa_3", "templateHash": 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"授信额度：最高100万；" }, { "paragraphNo": 62, "text": "年化利率：最低3%；  " }, { "paragraphNo": 63, "text": "还款期限：1-5年期；" }, { "paragraphNo": 64, "text": "还款方式：先息后本，随借随还。" }, { "paragraphNo": 65, "text": "准入要求1.年龄：20-60周岁;2.准入对象：下列单位入职满一年(含)以上的职工:公积金缴存近三年12次以上;①政府机构及事业单位类;②金融行业;③卫生行业;④教育行业;⑤集团类客户;⑥其他与建行保持长期合作关系优质对公单位征信要求 ①名下信用卡不超过6家发卡机构，使用率不超过70%；②信用贷款机构不超过3家；③机构查询半年不超过10次，当月不超过4次；近3个月6次；④大数据良好，不得有小贷网贷，无人法网不良信息；⑤近两年30天内逾期不能超过5个1，不能有2，不能当前逾期。" }, { "paragraphNo": 66, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-08" }, "originalProductConditionText": "授信额度：最高100万；\n年化利率：最低3%；  \n还款期限：1-5年期；\n还款方式：先息后本，随借随还。\n准入要求1.年龄：20-60周岁;2.准入对象：下列单位入职满一年(含)以上的职工:公积金缴存近三年12次以上;①政府机构及事业单位类;②金融行业;③卫生行业;④教育行业;⑤集团类客户;⑥其他与建行保持长期合作关系优质对公单位征信要求 ①名下信用卡不超过6家发卡机构，使用率不超过70%；②信用贷款机构不超过3家；③机构查询半年不超过10次，当月不超过4次；近3个月6次；④大数据良好，不得有小贷网贷，无人法网不良信息；⑤近两年30天内逾期不能超过5个1，不能有2，不能当前逾期。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "63", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "283ecbef549da2735e0603d00296e4ce76f1b8618f008227302f7f9fe605c0c5", "kind": "hard", "label": "单位及公积金要求", "operator": "eq", "value": "下列单位入职满一年（含）以上的职工，且公积金近三年缴存12次以上：政府机构及事业单位、金融、卫生、教育、集团类客户，或其他与建行保持长期合作关系的优质对公单位。单位类别是可选集合，任职与缴存要求需同时核对。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "单位及公积金要求", "operator": "eq", "value": "下列单位入职满一年（含）以上的职工，且公积金近三年缴存12次以上：政府机构及事业单位、金融、卫生、教育、集团类客户，或其他与建行保持长期合作关系的优质对公单位。单位类别是可选集合，任职与缴存要求需同时核对。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "63", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "283ecbef549da2735e0603d00296e4ce76f1b8618f008227302f7f9fe605c0c5", "outcome": "unknown", "evidenceRefs": [ 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"社保及征信记录要求", "operator": "eq", "value": "本地上班，社保满12个月以上、社保基数4588元以上；非征信白户，具有1年征信记录。房产、满一年的汽车行驶证、优质单位或本科学历属于辅助提额资料，不是全部必需。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "64", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "68eca0af38c4da1faf293d71e002cf472143a16ed4fa20ad4ef921c5a3502006", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [ "socialSecurity", "socialSecurityBase", "provinceCode", "house", "car" ], "verificationScope": "本地工作事实、非白户及一年征信记录。", "review": "历史unknown只写征信记录不证明社保已被忽略；已知社保可判对应子项，有房车等辅助资料不能升级为全部必需。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "available_numeric_subcheck" ], "modelVisibleRelevantFields": [ "socialSecurity", "socialSecurityBase", "provinceCode", "house", "car" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "64", 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"newModelOutcome": null }, { "template": { "productId": "64", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "fc95a66ef6ac64af162692dbe53f4dafa6fc55801fc2572ded9766bf136c4287", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未达到分期通的客群或缴存要求，建议核实对应条件后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "本地上班，社保满12个月以上、社保基数4588元以上；非征信白户，具有1年征信记录。房产、满一年的汽车行驶证、优质单位或本科学历属于辅助提额资料，不是全部必需。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "社保及征信记录要求", "unit": null }, "customConditionRef": "64|rule_qa_1" }, "historicalRaw": { "productId": "64", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "fc95a66ef6ac64af162692dbe53f4dafa6fc55801fc2572ded9766bf136c4287", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": 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"858e6594d552bd36b79700ca95aaf0206c238a1cf29a423159844512b3dcc29d", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "64", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "858e6594d552bd36b79700ca95aaf0206c238a1cf29a423159844512b3dcc29d", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "65", "productName": "融E借", "bankName": "工商银行", "productVersion": 1, "summary": "当前用卡及负债可检查数值子项；银行评分不能套用平台匹配分。", "source": { "materialId": "credit-10", "sourceHeading": "工商银行-融E借", "sourceParagraphs": [ { "paragraphNo": 74, "text": "工商银行-融E借" }, { "paragraphNo": 75, "text": "授信额度：最高100万；" }, { "paragraphNo": 76, "text": "年化利率：年化3%起；" }, { "paragraphNo": 77, "text": "还款期限：最长7年期；还款方式：等额本息、先息后本。" }, { "paragraphNo": 78, "text": " 准入要求服务对象：机关事业单位、医院、学校、武警军队、优质企业等正式员工。1.工行信用卡客户；2.有公积金缴存客户；3.有社保缴存客户（部分城市开通）；4.工行代发工资客户；5.工行住房按揭贷款客户；加分项1.本科学历以上；2.优质单位；3.公积金基数高；4.征信体现本行车贷、房贷。征信要求 查询：近2个月≤7次；条件好可适当放宽；逾期：当前无逾期，近半年无3次及以上逾期，历史无2贷记卡/贷款状态不能出现冻结、止付、呆账、逾期等状态，贷款五级分类不能出现关注、次级、可疑、损失；负债情况：100万以内，信用卡使用率控制在70%以内。评分大于75分为良好  " }, { "paragraphNo": 79, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-10" }, "originalProductConditionText": "授信额度：最高100万；\n年化利率：年化3%起；\n还款期限：最长7年期；还款方式：等额本息、先息后本。\n 准入要求服务对象：机关事业单位、医院、学校、武警军队、优质企业等正式员工。1.工行信用卡客户；2.有公积金缴存客户；3.有社保缴存客户（部分城市开通）；4.工行代发工资客户；5.工行住房按揭贷款客户；加分项1.本科学历以上；2.优质单位；3.公积金基数高；4.征信体现本行车贷、房贷。征信要求 查询：近2个月≤7次；条件好可适当放宽；逾期：当前无逾期，近半年无3次及以上逾期，历史无2贷记卡/贷款状态不能出现冻结、止付、呆账、逾期等状态，贷款五级分类不能出现关注、次级、可疑、损失；负债情况：100万以内，信用卡使用率控制在70%以内。评分大于75分为良好  \n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "65", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "74d86dbc6190d5c1b36a6c65345f0ae0bf8ae34935047724766b5a5f18142b13", "kind": "hard", "label": "当前逾期要求", "operator": "eq", "value": "当前无逾期。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "当前逾期要求", "operator": "eq", "value": "当前无逾期。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "65", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "74d86dbc6190d5c1b36a6c65345f0ae0bf8ae34935047724766b5a5f18142b13", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [], "verificationScope": "当前逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "65", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "3205788a22decadd056e25b055464c2b0c48ef90701be94c51d924d95c1e41d0", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 查询：近2个月≤7次；条件好可适当放宽；逾期：当前无逾期，近半年无3次及以上逾期，历史无2贷记卡/贷款状态不能出现冻结、止付、呆账、逾期等状态，贷款五级分类不能出现关注、次级、可疑、损失；负债情况：100万以内，信用卡使用率控制在70%以内。评分大于75分为良好", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 查询：近2个月≤7次；条件好可适当放宽；逾期：当前无逾期，近半年无3次及以上逾期，历史无2贷记卡/贷款状态不能出现冻结、止付、呆账、逾期等状态，贷款五级分类不能出现关注、次级、可疑、损失；负债情况：100万以内，信用卡使用率控制在70%以内。评分大于75分为良好", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "65", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "3205788a22decadd056e25b055464c2b0c48ef90701be94c51d924d95c1e41d0", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [ "totalDebtBalance", "creditCardTotalLimit", "creditCardUsedLimit" ], "verificationScope": "征信查询、逾期、账户状态、分类；银行负债及评分口径。", "review": "历史unknown合理；不能因未引用数值事实就断言模型漏用。银行“评分大于75”不等于平台80基础分。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "available_numeric_subcheck", "score_scope_mismatch" ], "modelVisibleRelevantFields": [ "totalDebtBalance", "creditCardTotalLimit", "creditCardUsedLimit" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "65", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "dc9782096f8e07df7d6032c944500ab8b257555710daeb63add69c61539b8a82", "ruleId": "", "condition": "单位及工行往来要求：服务对象为机关事业单位、医院、学校、武警军队、优质企业等正式员工；列出工行信用卡、公积金、部分城市社保、工行代发工资、工行住房按揭客户。原文未明确单位要求与五类客户的完整组合关系。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "recommend", "text": "原文进件关系核实后，你的{X}符合融E借的对应进件要求，可进一步准备资料。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "65", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "dc9782096f8e07df7d6032c944500ab8b257555710daeb63add69c61539b8a82", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "65", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "dc9782096f8e07df7d6032c944500ab8b257555710daeb63add69c61539b8a82", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "65", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "efb532f92a376d0c0f02e9f5b723227ed1960afc1f9be3e2b5a2051fc4cae3cc", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合融E借的当前逾期要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "当前无逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "65|rule_qa_1" }, "historicalRaw": { "productId": "65", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "efb532f92a376d0c0f02e9f5b723227ed1960afc1f9be3e2b5a2051fc4cae3cc", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "65", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "efb532f92a376d0c0f02e9f5b723227ed1960afc1f9be3e2b5a2051fc4cae3cc", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "65", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "4349d2684bf34158b3af5382651633195e1fa12e636db9c95e6046af38976b98", "ruleId": "", "condition": 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"b4aa6fc1fe40b7d3b40aeaeb57aa899f8466702a450e51ce377c4a0c0290af7d", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合融E借的当前逾期要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "当前无逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "65|rule_qa_1" }, "historicalRaw": { "productId": "65", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "b4aa6fc1fe40b7d3b40aeaeb57aa899f8466702a450e51ce377c4a0c0290af7d", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "65", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "b4aa6fc1fe40b7d3b40aeaeb57aa899f8466702a450e51ce377c4a0c0290af7d", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "66", "productName": "闪电贷", "bankName": "招商银行", "productVersion": 1, "summary": "公积金独立路径已满足，不能把现单位两年建议改为所有路径门槛。", "source": { "materialId": "credit-11", "sourceHeading": "招商银行-闪电贷", "sourceParagraphs": [ { "paragraphNo": 80, "text": "招商银行-闪电贷" }, { "paragraphNo": 81, "text": "授信额度：最高50万；" }, { "paragraphNo": 82, "text": "年化利率：年化3%起；" }, { "paragraphNo": 83, "text": "还款期限：最长7年；" }, { "paragraphNo": 84, "text": "还款方式：先息后本或等额本息。" }, { "paragraphNo": 85, "text": "准入要求满足以下任意条件之一1.有缴纳公积金用户（建议现单位缴满两年以上）；2.有招商银行卡代发工资，或招行按揭（房或车），或招行抵押经营性贷款；3.有招商信用卡；4.企业有招商对公户（经常走账的），个人在招行有存款，理财的；5.他行按揭房还满2年。征信要求 ①征信无当前逾期；②近半年无3次及以上逾期；历史无2，2年内逾期不超6个1；③近3个月查询不超6次；④信用卡、贷款无呆账、坏账、止付、冻结、核销等状态；⑤信用卡使用率低于80%。机构一般不超4家。负债看单位情况，单位越好负债可以越高；加分项：征信中体现按揭房。" }, { "paragraphNo": 86, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-11" }, "originalProductConditionText": "授信额度：最高50万；\n年化利率：年化3%起；\n还款期限：最长7年；\n还款方式：先息后本或等额本息。\n准入要求满足以下任意条件之一1.有缴纳公积金用户（建议现单位缴满两年以上）；2.有招商银行卡代发工资，或招行按揭（房或车），或招行抵押经营性贷款；3.有招商信用卡；4.企业有招商对公户（经常走账的），个人在招行有存款，理财的；5.他行按揭房还满2年。征信要求 ①征信无当前逾期；②近半年无3次及以上逾期；历史无2，2年内逾期不超6个1；③近3个月查询不超6次；④信用卡、贷款无呆账、坏账、止付、冻结、核销等状态；⑤信用卡使用率低于80%。机构一般不超4家。负债看单位情况，单位越好负债可以越高；加分项：征信中体现按揭房。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "f59817ea9d13767482e18b9ef16e2c11a7b70827a4375299f99700ac10c72ad0", "kind": "hard", "label": "招行及其他进件路径", "operator": "eq", "value": "满足任一条件：①缴纳公积金；②招行代发、招行按揭（房／车）或招行抵押经营贷；③招商信用卡；④企业招行对公户（经常走账）、个人招行存款／理财等；⑤他行按揭房还满2年。公积金现单位缴满2年以上为原文建议。第④条企业与个人条件的组合关系待核对，暂不自行设成AND或OR。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "招行及其他进件路径", "operator": "eq", "value": "满足任一条件：①缴纳公积金；②招行代发、招行按揭（房／车）或招行抵押经营贷；③招商信用卡；④企业招行对公户（经常走账）、个人招行存款／理财等；⑤他行按揭房还满2年。公积金现单位缴满2年以上为原文建议。第④条企业与个人条件的组合关系待核对，暂不自行设成AND或OR。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "f59817ea9d13767482e18b9ef16e2c11a7b70827a4375299f99700ac10c72ad0", "outcome": "pass", "evidenceRefs": [ "fact:housingFund" ], "missingFields": [] }, "collectedFields": [ "housingFund", "house", "car" ], "verificationScope": "已有正向公积金事实时，本条无需其他独立路径资料。", "review": "历史pass正确；“本单位两年”是原文建议，不能倒置为硬门槛。", "promptCoverage": [ "E1", "P3" ], "flags": [], "modelVisibleRelevantFields": [ "housingFund", "house", "car" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "497575fe952746611c9f3d0288476f9d8489d42ce54a11798eeeb170c02e0053", "kind": "hard", "label": "当前逾期要求", "operator": "eq", "value": "征信无当前逾期。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "当前逾期要求", "operator": "eq", "value": "征信无当前逾期。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "497575fe952746611c9f3d0288476f9d8489d42ce54a11798eeeb170c02e0053", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [], "verificationScope": "当前逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "dac919bf161ba7def98e2395ff65d2a154abef559182c824b5686e503b34030c", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①征信无当前逾期；②近半年无3次及以上逾期；历史无2，2年内逾期不超6个1；③近3个月查询不超6次；④信用卡、贷款无呆账、坏账、止付、冻结、核销等状态；⑤信用卡使用率低于80%。机构一般不超4家。负债看单位情况，单位越好负债可以越高；加分项：征信中体现按揭房。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①征信无当前逾期；②近半年无3次及以上逾期；历史无2，2年内逾期不超6个1；③近3个月查询不超6次；④信用卡、贷款无呆账、坏账、止付、冻结、核销等状态；⑤信用卡使用率低于80%。机构一般不超4家。负债看单位情况，单位越好负债可以越高；加分项：征信中体现按揭房。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "66", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "dac919bf161ba7def98e2395ff65d2a154abef559182c824b5686e503b34030c", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [ 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"unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "招行及其他进件路径", "unit": null }, "customConditionRef": "66|rule_qa_1" }, "historicalRaw": { "productId": "66", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "a3498768fad90def51bae22555e1b7cb2bbb7402cb89a10ceab08785d14c2d82", "conditionOutcome": "pass", "applicable": true, "values": [ "公积金缴纳情况" ], "evidenceRefs": [ "fact:housingFund" ] }, "historicalNormalized": { "values": [ "公积金缴纳情况" ], "productId": "66", "applicable": true, "templateId": "template_qa_1", "evidenceRefs": [ "fact:housingFund" ], "templateHash": "a3498768fad90def51bae22555e1b7cb2bbb7402cb89a10ceab08785d14c2d82", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "66", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "a4270e9ccdc2d4c0e30bc271eb3d220b2e63c666d7517d0b1add09a61cb53f0c", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合闪电贷的当前逾期要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "征信无当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "66|rule_qa_2" }, "historicalRaw": { "productId": "66", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "a4270e9ccdc2d4c0e30bc271eb3d220b2e63c666d7517d0b1add09a61cb53f0c", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "66", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "a4270e9ccdc2d4c0e30bc271eb3d220b2e63c666d7517d0b1add09a61cb53f0c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "66", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "b88f234ef535fe105a08159f8c65066cc81db0257a4ecd3150989f4d56a8175c", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足闪电贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "满足任一条件：①缴纳公积金；②招行代发、招行按揭（房／车）或招行抵押经营贷；③招商信用卡；④企业招行对公户（经常走账）、个人招行存款／理财等；⑤他行按揭房还满2年。公积金现单位缴满2年以上为原文建议。第④条企业与个人条件的组合关系待核对，暂不自行设成AND或OR。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "招行及其他进件路径", "unit": null }, "customConditionRef": "66|rule_qa_1" }, "historicalRaw": { "productId": "66", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "b88f234ef535fe105a08159f8c65066cc81db0257a4ecd3150989f4d56a8175c", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "66", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "b88f234ef535fe105a08159f8c65066cc81db0257a4ecd3150989f4d56a8175c", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "66", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "f2756eb3138af378fd9fb5192d3f0ec1efa47852cbe50a07039272886ea9329c", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合闪电贷的当前逾期要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "征信无当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "66|rule_qa_2" }, "historicalRaw": { "productId": "66", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "f2756eb3138af378fd9fb5192d3f0ec1efa47852cbe50a07039272886ea9329c", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "66", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "f2756eb3138af378fd9fb5192d3f0ec1efa47852cbe50a07039272886ea9329c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "67", "productName": "信秒贷", "bankName": "中信银行", "productVersion": 1, "summary": "保留年龄与现有信贷信息；不以当前卡使用率替代近半年平均，也不把弹性客群改硬门槛。", "source": { "materialId": "credit-12", "sourceHeading": "中信银行-信秒贷", "sourceParagraphs": [ { "paragraphNo": 87, "text": "中信银行-信秒贷" }, { "paragraphNo": 88, "text": "授信额度：最高50万，尊享版最高150万；" }, { "paragraphNo": 89, "text": "年化利率：3%起；" }, { "paragraphNo": 90, "text": "还款期限：1-7年；" }, { "paragraphNo": 91, "text": "还款方式：先息后本 随借随还 等额还款；" }, { "paragraphNo": 92, "text": "准入要求1、基础要求：年龄20-60周岁，征信良好客户均可申请，征信白户不能申请（硬性指标）；2、信秒贷客群要求（弹性指标）：公积金客户：授权中信银行查询公积金缴存信息，连续缴存公积金满2年以上（缴存基数各地分行要求不一，只要有公积金就可尝试申请）；税金贷客户：授权中信银行查询个人纳税信息及收入信息，即可申请；小贷微贷客户：有信用卡或者其他金融行为，能够证明客户有一定还款能力的；房信贷客户：有按揭房有在对客户进行综合信用评价基础上，向符合贷款条件的客户在线发放的个人信用贷款；中信银行代发工资、理财客户：通过中信银行卡代发工资、在中信银行有理财产品等财产及收入证明。征信要求 1、当前不能有逾期；2、征信上当前无小额贷款余额，小贷不超2家(可以有微粒贷,不能有借呗,重庆蚂蚁,中航信托等)；3、6个月内，征信查询小于10次，申请当月不得超过4笔(我行查询为第10次)担保资格查询也算，不看个人查询；4、单次逾期不超过30天；近2年逾期次数不超过3次，2年外逾期次数不超过5次；5、信用卡平均近半年使用额度不超过80%，非住房按揭贷款笔数不超过5笔，信贷余额不超过100万，未还清的小额不超过2家机构（尽量没有）；6、白户不可准入。" }, { "paragraphNo": 93, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-12" }, "originalProductConditionText": "授信额度：最高50万，尊享版最高150万；\n年化利率：3%起；\n还款期限：1-7年；\n还款方式：先息后本 随借随还 等额还款；\n准入要求1、基础要求：年龄20-60周岁，征信良好客户均可申请，征信白户不能申请（硬性指标）；2、信秒贷客群要求（弹性指标）：公积金客户：授权中信银行查询公积金缴存信息，连续缴存公积金满2年以上（缴存基数各地分行要求不一，只要有公积金就可尝试申请）；税金贷客户：授权中信银行查询个人纳税信息及收入信息，即可申请；小贷微贷客户：有信用卡或者其他金融行为，能够证明客户有一定还款能力的；房信贷客户：有按揭房有在对客户进行综合信用评价基础上，向符合贷款条件的客户在线发放的个人信用贷款；中信银行代发工资、理财客户：通过中信银行卡代发工资、在中信银行有理财产品等财产及收入证明。征信要求 1、当前不能有逾期；2、征信上当前无小额贷款余额，小贷不超2家(可以有微粒贷,不能有借呗,重庆蚂蚁,中航信托等)；3、6个月内，征信查询小于10次，申请当月不得超过4笔(我行查询为第10次)担保资格查询也算，不看个人查询；4、单次逾期不超过30天；近2年逾期次数不超过3次，2年外逾期次数不超过5次；5、信用卡平均近半年使用额度不超过80%，非住房按揭贷款笔数不超过5笔，信贷余额不超过100万，未还清的小额不超过2家机构（尽量没有）；6、白户不可准入。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7a50526f11ebe46c12506874e6b80ddfbfc9bcb32b8b8d01ee2222a51ea5f62b", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "20—60周岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "20—60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7a50526f11ebe46c12506874e6b80ddfbfc9bcb32b8b8d01ee2222a51ea5f62b", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "f634074e13bc1f2915091e275875011de798d17fd6a950857638bebecfaebbab", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1、当前不能有逾期；2、征信上当前无小额贷款余额，小贷不超2家(可以有微粒贷,不能有借呗,重庆蚂蚁,中航信托等)；3、6个月内，征信查询小于10次，申请当月不得超过4笔(我行查询为第10次)担保资格查询也算，不看个人查询；4、单次逾期不超过30天；近2年逾期次数不超过3次，2年外逾期次数不超过5次；5、信用卡平均近半年使用额度不超过80%，非住房按揭贷款笔数不超过5笔，信贷余额不超过100万，未还清的小额不超过2家机构（尽量没有）；6、白户不可准入。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：征信上当前无小额贷款余额；机构数及微粒贷等例外保留原文，暂不转为硬规则。标准最高50万元，尊享版150万元原文保留，不拆产品。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1、当前不能有逾期；2、征信上当前无小额贷款余额，小贷不超2家(可以有微粒贷,不能有借呗,重庆蚂蚁,中航信托等)；3、6个月内，征信查询小于10次，申请当月不得超过4笔(我行查询为第10次)担保资格查询也算，不看个人查询；4、单次逾期不超过30天；近2年逾期次数不超过3次，2年外逾期次数不超过5次；5、信用卡平均近半年使用额度不超过80%，非住房按揭贷款笔数不超过5笔，信贷余额不超过100万，未还清的小额不超过2家机构（尽量没有）；6、白户不可准入。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：征信上当前无小额贷款余额；机构数及微粒贷等例外保留原文，暂不转为硬规则。标准最高50万元，尊享版150万元原文保留，不拆产品。" }, "historicalJudgment": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "f634074e13bc1f2915091e275875011de798d17fd6a950857638bebecfaebbab", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [ "creditCardTotalLimit", "creditCardUsedLimit", "creditLoanCount", "totalDebtBalance", "house" ], "verificationScope": "历史卡使用均值、非住房按揭贷款笔数、信用贷款余额、小额贷款类型／机构、查询及逾期。", "review": "历史unknown合理；贷款笔数／余额与机构数／分类型余额不同，不能拿当前卡比例替代半年平均。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "count_scope_mismatch", "historical_measurement_mismatch" ], "modelVisibleRelevantFields": [ "creditCardTotalLimit", "creditCardUsedLimit", "creditLoanCount", "totalDebtBalance", "house" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "59db2579a71d47cf2962a02e72e93d2a12001ca81e94e7025eb4ea9eb6d056c2", "kind": "hard", "label": "非征信白户要求", "operator": "eq", "value": "征信白户不能申请。", "valueMax": "", "note": "客群要求原文标注弹性指标，完整原文及通用口径另存。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "非征信白户要求", "operator": "eq", "value": "征信白户不能申请。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "客群要求原文标注弹性指标，完整原文及通用口径另存。" }, "historicalJudgment": { "productId": "67", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "59db2579a71d47cf2962a02e72e93d2a12001ca81e94e7025eb4ea9eb6d056c2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信记录" ] }, "collectedFields": [ "creditLoanCount", "creditCardCount" ], "verificationScope": "银行所认可的征信记录，不能由当前自报卡／贷数量等同核验。", "review": "历史unknown可保留；有自报卡贷不等于已查到有效征信历史。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [ "creditLoanCount", "creditCardCount" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "67", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "c003dca2b8751438a4910d1c2955f97b4b9a1cf937fc7e0e3804861db7769117", "ruleId": "", "condition": "客群及非白户要求：非征信白户为原文明示硬要求。客群为弹性指标，包含公积金、个人纳税／收入、小贷微贷金融行为、按揭房、中信代发或理财客户。公积金连续2年以上与“只要有公积金可尝试”并存，不能将所有路径都强制为2年。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "recommend", "text": "原文进件关系核实后，你的{X}符合信秒贷的对应进件要求，可进一步准备资料。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "67", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "c003dca2b8751438a4910d1c2955f97b4b9a1cf937fc7e0e3804861db7769117", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "67", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "c003dca2b8751438a4910d1c2955f97b4b9a1cf937fc7e0e3804861db7769117", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "67", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "7337e26e2010b0cc0c60b00a1b41e222c88d03b02928ae83af46a2c9381a7200", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合信秒贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "20—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "67|rule_qa_1" }, "historicalRaw": { "productId": "67", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "7337e26e2010b0cc0c60b00a1b41e222c88d03b02928ae83af46a2c9381a7200", "conditionOutcome": "pass", "applicable": true, "values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "67", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "7337e26e2010b0cc0c60b00a1b41e222c88d03b02928ae83af46a2c9381a7200", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "67", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "e092c7b7402c7c0d87b392419a5460708c124644655323435a736220ce85f383", "ruleId": "", "condition": "客群及非白户要求：非征信白户为原文明示硬要求。客群为弹性指标，包含公积金、个人纳税／收入、小贷微贷金融行为、按揭房、中信代发或理财客户。公积金连续2年以上与“只要有公积金可尝试”并存，不能将所有路径都强制为2年。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "caution", "text": "原文进件关系核实后，已确认你的{X}未达到信秒贷的对应进件要求，建议先核实适用方案。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "67", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "e092c7b7402c7c0d87b392419a5460708c124644655323435a736220ce85f383", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "67", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "e092c7b7402c7c0d87b392419a5460708c124644655323435a736220ce85f383", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "67", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "fc18d39e54eeda5a88944d58f6044b2e4905380b3722494597c883de79e8dee7", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合信秒贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "20—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "67|rule_qa_1" }, "historicalRaw": { "productId": "67", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "fc18d39e54eeda5a88944d58f6044b2e4905380b3722494597c883de79e8dee7", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "67", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "fc18d39e54eeda5a88944d58f6044b2e4905380b3722494597c883de79e8dee7", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "68", "productName": "圆梦金", "bankName": "中信银行", "productVersion": 1, "summary": "已填公积金基数可用于“代发或基数”分支；不能把代发固定为必填。", "source": { "materialId": "credit-13", "sourceHeading": "中信银行-圆梦金", "sourceParagraphs": [ { "paragraphNo": 94, "text": "中信银行-圆梦金" }, { "paragraphNo": 95, "text": "授信额度：最高30万，" }, { "paragraphNo": 96, "text": "年化利率：年化7.66%—16.24%；" }, { "paragraphNo": 97, "text": "还款期限：1-3年；" }, { "paragraphNo": 98, "text": "还款方式：先息后本，等额本息，随借随还提前还款无违约金。" }, { "paragraphNo": 99, "text": "准入要求满足以下一点：①优质单位：代发或公积金基数8000以上；②学历：全日制大专及以上+代发或公积金基数8000以上；③房：全国按揭/本地房产+代发或公积金基数8000以上；单位时间要求：①事业单位，当前单位社保满3个月即可；②其他单位（上市公司或私企，国企等）现单位社保需满6个月以上。征信要求 1.近1个月查询次数<4次，近3个月查询次数<7次；2.无当前逾期，近半年无2，近一年无4；3.机关单位＜150万（信用卡已使用额度+贷款余额），其他单位＜100万（信用卡已使用额度+贷款余额）。 " }, { "paragraphNo": 100, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-13" }, "originalProductConditionText": "授信额度：最高30万，\n年化利率：年化7.66%—16.24%；\n还款期限：1-3年；\n还款方式：先息后本，等额本息，随借随还提前还款无违约金。\n准入要求满足以下一点：①优质单位：代发或公积金基数8000以上；②学历：全日制大专及以上+代发或公积金基数8000以上；③房：全国按揭/本地房产+代发或公积金基数8000以上；单位时间要求：①事业单位，当前单位社保满3个月即可；②其他单位（上市公司或私企，国企等）现单位社保需满6个月以上。征信要求 1.近1个月查询次数<4次，近3个月查询次数<7次；2.无当前逾期，近半年无2，近一年无4；3.机关单位＜150万（信用卡已使用额度+贷款余额），其他单位＜100万（信用卡已使用额度+贷款余额）。 \n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "aba168755d9300a928cbc1386b129d58089b9c4e9252bbf29a987176b7e72bed", "kind": "hard", "label": "客群及收入证明路径", "operator": "eq", "value": "满足一条：①优质单位，加代发或公积金基数8000元以上；②全日制大专及以上，加代发或公积金基数8000元以上；③全国按揭／本地房产，加代发或公积金基数8000元以上。事业单位当前单位社保满3个月；其他单位社保满6个月以上。各分支内部条件需同时核对。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "客群及收入证明路径", "operator": "eq", "value": "满足一条：①优质单位，加代发或公积金基数8000元以上；②全日制大专及以上，加代发或公积金基数8000元以上；③全国按揭／本地房产，加代发或公积金基数8000元以上。事业单位当前单位社保满3个月；其他单位社保满6个月以上。各分支内部条件需同时核对。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "aba168755d9300a928cbc1386b129d58089b9c4e9252bbf29a987176b7e72bed", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "学历", "代发工资" ] }, "collectedFields": [ "housingFundBase", "socialSecurity", "house", "provinceCode", "occupation", "company" ], "verificationScope": "仍须核实单位／学历／房产地点或按揭身份及本单位社保关系；只需一条完整路径。", "review": "历史同时索要单位性质、学历、代发工资，路径提示有堆叠风险；已有12000元公积金基数，不能把“代发工资”说成必缺。整条unknown仍合理。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "alternative_path_prompt_risk", "optional_income_proof_overrequested", "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [ "housingFundBase", "socialSecurity", "house", "provinceCode" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "93ff96650d7f73db138ff5b69b649b2f51f01c66038cc588f8b555097496aedd", "kind": "hard", "label": "当前逾期要求", "operator": "eq", "value": "无当前逾期。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "当前逾期要求", "operator": "eq", "value": "无当前逾期。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "93ff96650d7f73db138ff5b69b649b2f51f01c66038cc588f8b555097496aedd", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "当前逾期情况" ] }, "collectedFields": [], "verificationScope": "当前逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "4869bab4afdde5571cf448076918df3ae64d95e3fabc8dec13a16752399b29c0", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1.近1个月查询次数＜4次，近3个月查询次数＜7次；2.无当前逾期，近半年无2，近一年无4；3.机关单位＜150万（信用卡已使用额度+贷款余额），其他单位＜100万（信用卡已使用额度+贷款余额）。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1.近1个月查询次数＜4次，近3个月查询次数＜7次；2.无当前逾期，近半年无2，近一年无4；3.机关单位＜150万（信用卡已使用额度+贷款余额），其他单位＜100万（信用卡已使用额度+贷款余额）。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "68", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "4869bab4afdde5571cf448076918df3ae64d95e3fabc8dec13a16752399b29c0", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信查询次数", "逾期记录", "单位性质" ] }, "collectedFields": [ "totalDebtBalance", "creditCardUsedLimit", "occupation", "company" ], "verificationScope": "征信查询、逾期及必要时银行认定单位／负债口径。", "review": "样本贷款余额加已用卡额可核对原文明示合计；缺征信仍unknown，不能凭不展示引用判定已漏算。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "available_numeric_subcheck" ], "modelVisibleRelevantFields": [ "totalDebtBalance", "creditCardUsedLimit" ], "retainedButNotModelVisibleFields": [ "occupation", 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"conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "69", "productName": "惠民贷", "bankName": "交通银行", "productVersion": 1, "summary": "公积金独立路径可用；负债分类和征信不能由总额推断。", "source": { "materialId": "credit-14", "sourceHeading": "交通银行-惠民贷", "sourceParagraphs": [ { "paragraphNo": 101, "text": "交通银行-惠民贷" }, { "paragraphNo": 102, "text": "授信额度：最高100万； " }, { "paragraphNo": 103, "text": "年化利率：年化3%-14.6%；" }, { "paragraphNo": 104, "text": "还款期限：最长5年期；" }, { "paragraphNo": 105, "text": "还款方式：一年内先息后本，随借随还，三年内额度循环使用，不提款不算利息。 " }, { "paragraphNo": 106, "text": "准入要求满足以下条件任意一点：①交通银行信用卡持卡人；②交通银行的储蓄卡有6个月的打卡工资；③交通银行的月供房（抵押或按揭），他行有月供房（抵押或按揭）；④公积金缴纳客户（缴纳时间越久越好，基数越高越好）；1.全国（房产，公积金，社保，代发，车按揭类），不看客户社保基数和公积金基数，优质单位更容易通过；2.交通存量客户：代发，交通信用卡，交通按揭。征信要求 ①非白户，信贷控制3笔以内，且无未结清经营贷款。信用卡使用情况良好，信用卡已用额度不怎么看；②近半年无1，近两年无2。（不看2年外征信）当前无1，1年无2，2年无3（逾期金1千内可不看）；③负债：优质单位不超150万负债，普通单位不超80万负债（担保不看，农户贷不看，抵押按揭不看，车抵押按揭不看）；  ④ 查询：2个月不超6次,交通存量和优质单位2个月9次(交通第9次查询）注：认识交行客户经理，可以先查单位是否在白名单。" }, { "paragraphNo": 107, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-14" }, "originalProductConditionText": "授信额度：最高100万； \n年化利率：年化3%-14.6%；\n还款期限：最长5年期；\n还款方式：一年内先息后本，随借随还，三年内额度循环使用，不提款不算利息。 \n准入要求满足以下条件任意一点：①交通银行信用卡持卡人；②交通银行的储蓄卡有6个月的打卡工资；③交通银行的月供房（抵押或按揭），他行有月供房（抵押或按揭）；④公积金缴纳客户（缴纳时间越久越好，基数越高越好）；1.全国（房产，公积金，社保，代发，车按揭类），不看客户社保基数和公积金基数，优质单位更容易通过；2.交通存量客户：代发，交通信用卡，交通按揭。征信要求 ①非白户，信贷控制3笔以内，且无未结清经营贷款。信用卡使用情况良好，信用卡已用额度不怎么看；②近半年无1，近两年无2。（不看2年外征信）当前无1，1年无2，2年无3（逾期金1千内可不看）；③负债：优质单位不超150万负债，普通单位不超80万负债（担保不看，农户贷不看，抵押按揭不看，车抵押按揭不看）；  ④ 查询：2个月不超6次,交通存量和优质单位2个月9次(交通第9次查询）注：认识交行客户经理，可以先查单位是否在白名单。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "69", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "77912af7d0de578a72a4b46b6ce984a8db275d21b90d3559dda1a1d59b55f363", "kind": "hard", "label": "交行及其他进件路径", "operator": "eq", "value": "满足一条：交行信用卡、交行储蓄卡有6个月打卡工资、交行或他行抵押／按揭月供房、公积金缴纳客户。后文另列房产、社保、代发、车按揭及交行存量客群，附加路径关系保留原文核对。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。", "sufficientAlternatives": [ { "field": "housingFund", "operator": "in", "values": [ "under_six_months", "six_months_plus", "six_to_twelve_months", "twelve_to_twenty_four_months", "twenty_four_months_plus" ] } ] }, "originalManualCondition": { "id": "rule_qa_1", "label": "交行及其他进件路径", "operator": "eq", "value": "满足一条：交行信用卡、交行储蓄卡有6个月打卡工资、交行或他行抵押／按揭月供房、公积金缴纳客户。后文另列房产、社保、代发、车按揭及交行存量客群，附加路径关系保留原文核对。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "69", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "77912af7d0de578a72a4b46b6ce984a8db275d21b90d3559dda1a1d59b55f363", "outcome": "pass", "evidenceRefs": [ "fact:housingFund" ], "missingFields": [] }, "collectedFields": [ "housingFund", "house", "car" ], "verificationScope": "当前公积金分支已完整满足，无需其他独立路径资料。", "review": "历史pass正确，与既有充分分支保护一致。", "promptCoverage": [ "E1", "P3" ], "flags": [], "modelVisibleRelevantFields": [ "housingFund", "house", "car" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "69", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "252366d5137cc28325c4179e3b2784974e7aea5d8f9f3f604a8ee7c7a10d2bfc", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①非白户，信贷控制3笔以内，且无未结清经营贷款。信用卡使用情况良好，信用卡已用额度不怎么看；②近半年无1，近两年无2。（不看2年外征信）当前无1，1年无2，2年无3（逾期金1千内可不看）；③负债：优质单位不超150万负债，普通单位不超80万负债（担保不看，农户贷不看，抵押按揭不看，车抵押按揭不看）； ④ 查询：2个月不超6次,交通存量和优质单位2个月9次(交通第9次查询）注：认识交行客户经理，可以先查单位是否在白名单。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：近半年无1、近两年无2（不看两年外征信）；另一套当前/1年/2年及小金额例外完整保留原文。此处沿用资料术语，不推断逾期次数。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 ①非白户，信贷控制3笔以内，且无未结清经营贷款。信用卡使用情况良好，信用卡已用额度不怎么看；②近半年无1，近两年无2。（不看2年外征信）当前无1，1年无2，2年无3（逾期金1千内可不看）；③负债：优质单位不超150万负债，普通单位不超80万负债（担保不看，农户贷不看，抵押按揭不看，车抵押按揭不看）； ④ 查询：2个月不超6次,交通存量和优质单位2个月9次(交通第9次查询）注：认识交行客户经理，可以先查单位是否在白名单。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：近半年无1、近两年无2（不看两年外征信）；另一套当前/1年/2年及小金额例外完整保留原文。此处沿用资料术语，不推断逾期次数。" }, "historicalJudgment": { "productId": "69", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "252366d5137cc28325c4179e3b2784974e7aea5d8f9f3f604a8ee7c7a10d2bfc", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信查询次数", "逾期记录", "未结清经营贷款情况" ] }, "collectedFields": [ "creditLoanCount", "totalDebtBalance", "house", "occupation", "company" ], "verificationScope": "经营贷、小贷及可剔除负债分类、单位类别、查询和逾期。", "review": "历史unknown合理；自填总余额不能完成剔除担保／农户贷／抵押车房后的银行负债计算。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "count_scope_mismatch" ], "modelVisibleRelevantFields": [ "creditLoanCount", "totalDebtBalance", "house" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "69", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "29502b2279c45f4b13eaf75d4afd7c43cf435e5698fd6a8fc2722e4442c15375", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合惠民贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "满足一条：交行信用卡、交行储蓄卡有6个月打卡工资、交行或他行抵押／按揭月供房、公积金缴纳客户。后文另列房产、社保、代发、车按揭及交行存量客群，附加路径关系保留原文核对。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "交行及其他进件路径", "unit": null }, "customConditionRef": "69|rule_qa_1" }, "historicalRaw": { "productId": "69", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "29502b2279c45f4b13eaf75d4afd7c43cf435e5698fd6a8fc2722e4442c15375", "conditionOutcome": "pass", "applicable": true, "values": [ "公积金缴纳情况" ], "evidenceRefs": [ "fact:housingFund" ] }, "historicalNormalized": { "values": [ "公积金缴纳情况" ], "productId": "69", "applicable": true, "templateId": "template_qa_1", "evidenceRefs": [ "fact:housingFund" ], "templateHash": "29502b2279c45f4b13eaf75d4afd7c43cf435e5698fd6a8fc2722e4442c15375", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "69", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "df0c22b814d46d71d03b928d465cf44a7578f053a86a4331678e838235c6c495", "ruleId": "", "condition": "征信逾期通用口径：沿用已确认通用口径：近半年无1、近两年无2（不看两年外征信）。保持原资料术语，不把1／2推断为次数。", "kind": "recommend", "text": "你的{X}符合已确认采用的惠民贷征信通用口径，可作为进一步核对的依据。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "69", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "df0c22b814d46d71d03b928d465cf44a7578f053a86a4331678e838235c6c495", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "69", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "df0c22b814d46d71d03b928d465cf44a7578f053a86a4331678e838235c6c495", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "惠民贷已采用的征信通用口径独立表述，保留原术语；不以自填负债推断逾期。", "newModelOutcome": null }, { "template": { "productId": "69", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "d0c9ac56c583f7b67450bc47621a0a83c5462beba3129228cc56baf1fe7f8065", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足惠民贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "满足一条：交行信用卡、交行储蓄卡有6个月打卡工资、交行或他行抵押／按揭月供房、公积金缴纳客户。后文另列房产、社保、代发、车按揭及交行存量客群，附加路径关系保留原文核对。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "交行及其他进件路径", "unit": null }, "customConditionRef": "69|rule_qa_1" }, "historicalRaw": { "productId": "69", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "d0c9ac56c583f7b67450bc47621a0a83c5462beba3129228cc56baf1fe7f8065", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "69", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "d0c9ac56c583f7b67450bc47621a0a83c5462beba3129228cc56baf1fe7f8065", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "69", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "f69a3d4f627f971887bb156afb136a29e62ad6cdc97824bf27837ad41fa72fa7", "ruleId": "", "condition": "征信逾期通用口径：沿用已确认通用口径：近半年无1、近两年无2（不看两年外征信）。保持原资料术语，不把1／2推断为次数。", "kind": "caution", "text": "你的{X}与已确认采用的惠民贷征信通用口径不一致，需进一步核实具体方案。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "69", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "f69a3d4f627f971887bb156afb136a29e62ad6cdc97824bf27837ad41fa72fa7", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "69", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "f69a3d4f627f971887bb156afb136a29e62ad6cdc97824bf27837ad41fa72fa7", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "惠民贷已采用的征信通用口径独立表述，保留原术语；不以自填负债推断逾期。", "newModelOutcome": null } ] }, { "productId": "70", "productName": "浦闪贷", "bankName": "浦发银行", "productVersion": 1, "summary": "年龄可判；征信仍待核实，列举客群的组合关系未明确，不自行改成任选。", "source": { "materialId": "credit-15", "sourceHeading": "浦发银行-浦闪贷", "sourceParagraphs": [ { "paragraphNo": 108, "text": "浦发银行-浦闪贷" }, { "paragraphNo": 109, "text": "年龄：18-60岁；" }, { "paragraphNo": 110, "text": "额度：最高100万；3%起，" }, { "paragraphNo": 111, "text": "还款方式：贷款期限在1年以上的，可选择按月等额本金、本月等额本息的还款方式；" }, { "paragraphNo": 112, "text": "年限：最长5年。" }, { "paragraphNo": 113, "text": "准入要求1.公积金客户；" }, { "paragraphNo": 114, "text": "2.任意银行房贷还款满半年；" }, { "paragraphNo": 115, "text": "3.浦发银行代发工资；" }, { "paragraphNo": 116, "text": "4.浦发银行信用卡客户；" }, { "paragraphNo": 117, "text": "5.和浦发有业务往来客户。征信要求 1、两年内无连三累六；2、近三个月查询不超过8次，一年不超15次" }, { "paragraphNo": 118, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-15" }, "originalProductConditionText": "年龄：18-60岁；\n额度：最高100万；3%起，\n还款方式：贷款期限在1年以上的，可选择按月等额本金、本月等额本息的还款方式；\n年限：最长5年。\n准入要求1.公积金客户；\n2.任意银行房贷还款满半年；\n3.浦发银行代发工资；\n4.浦发银行信用卡客户；\n5.和浦发有业务往来客户。征信要求 1、两年内无连三累六；2、近三个月查询不超过8次，一年不超15次\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "70", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "788755e9e65ec28fa8e0a679f797979d6d8ff770d2a31a88748bcc02ed2089d4", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "18—60岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "年龄要求", "operator": "eq", "value": "18—60岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "70", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "788755e9e65ec28fa8e0a679f797979d6d8ff770d2a31a88748bcc02ed2089d4", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "70", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "8eed1022de0f06641dfab8e8fbf2f161cf680f949888873856bb5212608d8f2f", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1、两年内无连三累六；2、近三个月查询不超过8次，一年不超15次", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1、两年内无连三累六；2、近三个月查询不超过8次，一年不超15次", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "70", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "8eed1022de0f06641dfab8e8fbf2f161cf680f949888873856bb5212608d8f2f", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信查询次数", "逾期记录" ] }, "collectedFields": [], "verificationScope": "征信查询与逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "70", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "53a5747af7ef3d4129b5b9d0f1c70e008d40f116668d34dd1e8a1b9cc0afd9bb", "ruleId": "", "condition": "公积金及银行往来要求：列出公积金客户、任意银行房贷还款满半年、浦发代发工资、浦发信用卡及其他浦发业务往来客户。原文未明示五项全部必需或任选，先保留列举关系。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "recommend", "text": "原文进件关系核实后，你的{X}符合浦闪贷的对应进件要求，可进一步准备资料。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "70", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "53a5747af7ef3d4129b5b9d0f1c70e008d40f116668d34dd1e8a1b9cc0afd9bb", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "70", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "53a5747af7ef3d4129b5b9d0f1c70e008d40f116668d34dd1e8a1b9cc0afd9bb", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "70", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "d42e751158feb151912ec209cbe84fcf284fa8035b7e2c1ad6d89aadea6769eb", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合浦闪贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "18—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "70|rule_qa_1" }, "historicalRaw": { "productId": "70", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "d42e751158feb151912ec209cbe84fcf284fa8035b7e2c1ad6d89aadea6769eb", "conditionOutcome": "pass", "applicable": true, "values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "70", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "d42e751158feb151912ec209cbe84fcf284fa8035b7e2c1ad6d89aadea6769eb", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "70", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "1964dab11d3baeddfe4b5afd94b8fd8d3196b1a1b8cfeda45b622e45a090843f", "ruleId": "", "condition": "公积金及银行往来要求：列出公积金客户、任意银行房贷还款满半年、浦发代发工资、浦发信用卡及其他浦发业务往来客户。原文未明示五项全部必需或任选，先保留列举关系。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "caution", "text": "原文进件关系核实后，已确认你的{X}未达到浦闪贷的对应进件要求，建议先核实适用方案。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "70", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "1964dab11d3baeddfe4b5afd94b8fd8d3196b1a1b8cfeda45b622e45a090843f", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "70", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "1964dab11d3baeddfe4b5afd94b8fd8d3196b1a1b8cfeda45b622e45a090843f", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "70", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "71c3f14911241f9200043acaf6a5fff01a27129e9a542e78556321d27316ca2f", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合浦闪贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "18—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "70|rule_qa_1" }, "historicalRaw": { "productId": "70", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "71c3f14911241f9200043acaf6a5fff01a27129e9a542e78556321d27316ca2f", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "70", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "71c3f14911241f9200043acaf6a5fff01a27129e9a542e78556321d27316ca2f", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "71", "productName": "易达金", "bankName": "华夏银行", "productVersion": 1, "summary": "现有社保、月收入、月还款保留；代发、认定收入、剔除房贷后的月供不是同一口径。", "source": { "materialId": "credit-16", "sourceHeading": "华夏银行-易达金", "sourceParagraphs": [ { "paragraphNo": 119, "text": "华夏银行-易达金" }, { "paragraphNo": 120, "text": "授信额度：最高30万，" }, { "paragraphNo": 121, "text": "年化利率：0.4-0.75%/月；" }, { "paragraphNo": 122, "text": "还款期限：3-36期(额度5年循环有效)；" }, { "paragraphNo": 123, "text": "还款方式：等额还款。" }, { "paragraphNo": 124, "text": "准入要求A、公务员、事业单位、教师、医生或上市企业（当前单位社保满3个月即可）；B、普通企业：代发工资5000以上+现单位社保/代发6个月；禁入行业：美容美发、投资、娱乐等；加分提额项：全日制本科及以上学历、优质企业、有公积金、90 后、有房贷、有保单、有车(女性客户同等条件下批核比男性客户高)。征信要求 1.查询次数两个月不超6次；6-10次有影响（单位好可放宽政策）；2.无当逾；可解释逾期原因；；半年无2个1，1年无3个1，2年无2，历史无3以上 （年费、小金额，可根据实际情况写情况说明）；3.负债：原则信贷月供+信用卡 10%<认定收入80%;房贷不计算负债。名下房贷、车、保单、学历、优质单位可以加分，其中房贷和学历客户加分最明显;网贷笔数：建议不超过4笔，结清等征信更新可准入;信用卡：持卡机构越少越好，建议7家内，使用率看最近半年不超 60%。" }, { "paragraphNo": 125, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-16" }, "originalProductConditionText": "授信额度：最高30万，\n年化利率：0.4-0.75%/月；\n还款期限：3-36期(额度5年循环有效)；\n还款方式：等额还款。\n准入要求A、公务员、事业单位、教师、医生或上市企业（当前单位社保满3个月即可）；B、普通企业：代发工资5000以上+现单位社保/代发6个月；禁入行业：美容美发、投资、娱乐等；加分提额项：全日制本科及以上学历、优质企业、有公积金、90 后、有房贷、有保单、有车(女性客户同等条件下批核比男性客户高)。征信要求 1.查询次数两个月不超6次；6-10次有影响（单位好可放宽政策）；2.无当逾；可解释逾期原因；；半年无2个1，1年无3个1，2年无2，历史无3以上 （年费、小金额，可根据实际情况写情况说明）；3.负债：原则信贷月供+信用卡 10%<认定收入80%;房贷不计算负债。名下房贷、车、保单、学历、优质单位可以加分，其中房贷和学历客户加分最明显;网贷笔数：建议不超过4笔，结清等征信更新可准入;信用卡：持卡机构越少越好，建议7家内，使用率看最近半年不超 60%。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "71", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "b43739422e1772ca51c4e3af88aef61394064527af4a10d794d54cba2705d70c", "kind": "hard", "label": "单位及收入社保路径", "operator": "eq", "value": "A类：公务员、事业单位、教师、医生或上市企业，当前单位社保满3个月；B类：普通企业，代发工资5000元以上，且现单位社保／代发6个月。美容美发、投资、娱乐等属于原文禁入行业；社保与代发6个月的具体替代关系待核对。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "单位及收入社保路径", "operator": "eq", "value": "A类：公务员、事业单位、教师、医生或上市企业，当前单位社保满3个月；B类：普通企业，代发工资5000元以上，且现单位社保／代发6个月。美容美发、投资、娱乐等属于原文禁入行业；社保与代发6个月的具体替代关系待核对。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "71", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "b43739422e1772ca51c4e3af88aef61394064527af4a10d794d54cba2705d70c", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "代发工资" ] }, "collectedFields": [ "socialSecurity", "monthlyIncome", "occupation", "company" ], "verificationScope": "适用A或B类的单位／行业、本单位社保；B类另核实代发工资及持续时长，原文替代关系保持。", "review": "历史unknown合理；普通月收入不能当银行代发工资，不能要求A类也填B类全部资料。", 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"015a83114c852c158befe008e258a8fa1f00cc6a84352e69f6ccb131beffb79b", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "当前逾期情况" ] }, "collectedFields": [], "verificationScope": "当前逾期记录；原文历史解释不能放宽当前逾期要求。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "71", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "a9231a957b63536a385d5d957fe3de0dbc00f961844def8688cf1c2ccfc59dc5", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 1.查询次数两个月不超6次；6-10次有影响（单位好可放宽政策）；2.无当逾；可解释逾期原因；；半年无2个1，1年无3个1，2年无2，历史无3以上 （年费、小金额，可根据实际情况写情况说明）；3.负债：原则信贷月供+信用卡 10%＜认定收入80%;房贷不计算负债。名下房贷、车、保单、学历、优质单位可以加分，其中房贷和学历客户加分最明显;网贷笔数：建议不超过4笔，结清等征信更新可准入;信用卡：持卡机构越少越好，建议7家内，使用率看最近半年不超 60%。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", 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"expected": "无当前逾期；历史逾期解释与小金额例外需按原文核对，不能据此放宽当前逾期要求。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "71|rule_qa_2" }, "historicalRaw": { "productId": "71", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "a3b5edeb3a029a40f8bd5fb5becc0eafd591fb13d9583128919addec650057e4", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "71", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "a3b5edeb3a029a40f8bd5fb5becc0eafd591fb13d9583128919addec650057e4", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "71", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "a8112c777772d2c2a6fc87db4a3e88c1b8b8a4a52f5f216fe88bb3ec14a030a8", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足易达金的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "A类：公务员、事业单位、教师、医生或上市企业，当前单位社保满3个月；B类：普通企业，代发工资5000元以上，且现单位社保／代发6个月。美容美发、投资、娱乐等属于原文禁入行业；社保与代发6个月的具体替代关系待核对。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位及收入社保路径", "unit": null }, "customConditionRef": "71|rule_qa_1" }, "historicalRaw": { "productId": "71", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "a8112c777772d2c2a6fc87db4a3e88c1b8b8a4a52f5f216fe88bb3ec14a030a8", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "71", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "a8112c777772d2c2a6fc87db4a3e88c1b8b8a4a52f5f216fe88bb3ec14a030a8", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "71", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "3db1ba5b3e110d96609cabf3aa2f16c0bab6830a1077fedc2e86da9dfebbf90e", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合易达金的当前逾期要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "无当前逾期；历史逾期解释与小金额例外需按原文核对，不能据此放宽当前逾期要求。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "71|rule_qa_2" }, "historicalRaw": { "productId": "71", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "3db1ba5b3e110d96609cabf3aa2f16c0bab6830a1077fedc2e86da9dfebbf90e", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "71", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "3db1ba5b3e110d96609cabf3aa2f16c0bab6830a1077fedc2e86da9dfebbf90e", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "72", "productName": "邮享贷", "bankName": "邮储银行", "productVersion": 1, "summary": "公积金基数不是个人缴存额；当前时长区间不能擅自补到满两年。", "source": { "materialId": "credit-17", "sourceHeading": "邮储银行-邮享贷", "sourceParagraphs": [ { "paragraphNo": 126, "text": "邮储银行-邮享贷" }, { "paragraphNo": 127, "text": "最高额度：100万" }, { "paragraphNo": 128, "text": "利率：年化3%起；" }, { "paragraphNo": 129, "text": "借款期限：1-5年；" }, { "paragraphNo": 130, "text": "还款方式：等额本息、先息后本。" }, { "paragraphNo": 131, "text": "准入要求1.公务员、事业编等一些优质单位；2.不能有当前逾期、累计逾期不超8次；3.单位缴存公积金2年以上，个人缴存500以上；4.申请资料：身份证、公积金缴存证明。" }, { "paragraphNo": 132, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-17" }, "originalProductConditionText": "最高额度：100万\n利率：年化3%起；\n借款期限：1-5年；\n还款方式：等额本息、先息后本。\n准入要求1.公务员、事业编等一些优质单位；2.不能有当前逾期、累计逾期不超8次；3.单位缴存公积金2年以上，个人缴存500以上；4.申请资料：身份证、公积金缴存证明。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "d6ace4638ad8c4a3c313c025fb1b34486177cc5434ab6588248a1491daa59a53", "kind": "hard", "label": "单位及公积金要求", "operator": "eq", "value": "公务员、事业编等优质单位；单位缴存公积金2年以上，个人缴存额500元以上。个人缴存额不是公积金缴存基数。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "单位及公积金要求", "operator": "eq", "value": "公务员、事业编等优质单位；单位缴存公积金2年以上，个人缴存额500元以上。个人缴存额不是公积金缴存基数。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "d6ace4638ad8c4a3c313c025fb1b34486177cc5434ab6588248a1491daa59a53", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "公积金个人缴存额" ] }, "collectedFields": [ "housingFund", "housingFundBase", "occupation", "company" ], "verificationScope": "单位类别、单位缴存关系及满两年依据、公积金个人缴存额。", "review": "历史unknown合理；不因已填基数而判个人缴存额达标，不把模糊年限当已满足。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "contribution_base_not_payment", "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [ "housingFund", "housingFundBase" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "8dc4bb0de784bac98058744ad589b2a66b24b2287057c85ea21ad24df1b2f803", "kind": "hard", "label": "当前逾期要求", "operator": "eq", "value": "不能有当前逾期。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "当前逾期要求", "operator": "eq", "value": "不能有当前逾期。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "8dc4bb0de784bac98058744ad589b2a66b24b2287057c85ea21ad24df1b2f803", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "当前逾期情况" ] }, "collectedFields": [], "verificationScope": "当前逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "182b3581a075874ba3ba2f1cf8664f631c42538c62be070c6dcae2ce7edad314", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "不能有当前逾期、累计逾期不超8次", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", "operator": "eq", "value": "不能有当前逾期、累计逾期不超8次", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "72", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "182b3581a075874ba3ba2f1cf8664f631c42538c62be070c6dcae2ce7edad314", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信逾期记录" ] }, "collectedFields": [], "verificationScope": "当前及累计逾期记录。", "review": "历史unknown合理；不能把“不能有当前逾期”与累计次数合并丢失。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "72", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "16a697680ddb3254a0f67e4a5162f16784f12841830e0648f3489fb06b6d3629", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合邮享贷的客群及缴存要求，可进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "公务员、事业编等优质单位；单位缴存公积金2年以上，个人缴存额500元以上。个人缴存额不是公积金缴存基数。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位及公积金要求", "unit": null }, "customConditionRef": "72|rule_qa_1" }, "historicalRaw": { "productId": "72", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "16a697680ddb3254a0f67e4a5162f16784f12841830e0648f3489fb06b6d3629", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "72", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "16a697680ddb3254a0f67e4a5162f16784f12841830e0648f3489fb06b6d3629", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "72", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "e5d185fbc8b3ee308fe36a6e5ba4a52cfaff973a0a44a9486284c63f7007073b", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合邮享贷的当前逾期要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "不能有当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "72|rule_qa_2" }, "historicalRaw": { "productId": "72", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "e5d185fbc8b3ee308fe36a6e5ba4a52cfaff973a0a44a9486284c63f7007073b", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "72", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "e5d185fbc8b3ee308fe36a6e5ba4a52cfaff973a0a44a9486284c63f7007073b", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "72", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "c655f5d198f23809f6229392fd687c2da52dcaa5ccf497d596490d5fe6207e6c", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未达到邮享贷的客群或缴存要求，建议核实对应条件后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "公务员、事业编等优质单位；单位缴存公积金2年以上，个人缴存额500元以上。个人缴存额不是公积金缴存基数。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位及公积金要求", "unit": null }, "customConditionRef": "72|rule_qa_1" }, "historicalRaw": { "productId": "72", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "c655f5d198f23809f6229392fd687c2da52dcaa5ccf497d596490d5fe6207e6c", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "72", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "c655f5d198f23809f6229392fd687c2da52dcaa5ccf497d596490d5fe6207e6c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "72", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "56c6361cf0e20e4c2366fbb62562b5520e5cd01393c153369909212639e28c4e", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合邮享贷的当前逾期要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "不能有当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "72|rule_qa_2" }, "historicalRaw": { "productId": "72", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "56c6361cf0e20e4c2366fbb62562b5520e5cd01393c153369909212639e28c4e", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "72", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "56c6361cf0e20e4c2366fbb62562b5520e5cd01393c153369909212639e28c4e", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "73", "productName": "诚易贷", "bankName": "南银法巴消费金融", "productVersion": 1, "summary": "按上班族或生意族选完整路径；不能要求所有人提供营业执照和全部学历资料。", "source": { "materialId": "credit-18", "sourceHeading": "南银法巴消费金融-诚易贷", "sourceParagraphs": [ { "paragraphNo": 133, "text": "南银法巴消费金融-诚易贷" }, { "paragraphNo": 134, "text": "授信额度：最高30万；" }, { "paragraphNo": 135, "text": "年化利率：3.6%-18% ；  " }, { "paragraphNo": 136, "text": "还款期限：最长60期（等额本息）；" }, { "paragraphNo": 137, "text": "还款方式：等额本息，随借随还提前还款无违约金。" }, { "paragraphNo": 138, "text": "准入要求上班族：1.本地户籍或是本地有房 社保连续6个月；2.外地户籍且本地无房 社保连续12个月；3.新青年（30周岁以下）本科学历，社保连续3个月；4.研究生学历，社保1个月（不看户籍）。收入认定：1、社保基数；2、公积金基数；3、个税APP月收入；4、打卡流水记录；生意族：1.本地户籍 营业执照满一年且有房产；2.外地户籍 营业执照满二年且有房产；（养殖种植营业执照满三年，美容美发足疗健身类不符合准入）收入认定：1、近一年银行卡流水(4个季度结息)；2、微信或支付宝近半年流水汇总；3、个人或企业所得税、开票数据。征信要求 不能当前逾期，一年内不能有2个1，两年内不能有3个1，历史总逾期不要超15次；查询要求：（只看带审字的）一个月6次，三个月10次，半年15次；系统并没有明确规定负债比和机构笔数，而是根据【基本条件+加分条件】来综合评分审批。" }, { "paragraphNo": 139, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-18" }, "originalProductConditionText": "授信额度：最高30万；\n年化利率：3.6%-18% ；  \n还款期限：最长60期（等额本息）；\n还款方式：等额本息，随借随还提前还款无违约金。\n准入要求上班族：1.本地户籍或是本地有房 社保连续6个月；2.外地户籍且本地无房 社保连续12个月；3.新青年（30周岁以下）本科学历，社保连续3个月；4.研究生学历，社保1个月（不看户籍）。收入认定：1、社保基数；2、公积金基数；3、个税APP月收入；4、打卡流水记录；生意族：1.本地户籍 营业执照满一年且有房产；2.外地户籍 营业执照满二年且有房产；（养殖种植营业执照满三年，美容美发足疗健身类不符合准入）收入认定：1、近一年银行卡流水(4个季度结息)；2、微信或支付宝近半年流水汇总；3、个人或企业所得税、开票数据。征信要求 不能当前逾期，一年内不能有2个1，两年内不能有3个1，历史总逾期不要超15次；查询要求：（只看带审字的）一个月6次，三个月10次，半年15次；系统并没有明确规定负债比和机构笔数，而是根据【基本条件+加分条件】来综合评分审批。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "6f832bb187cbaeec01076f306b29d5060c2c8cf3cf3a7aee8bec5c0df3ca2dd7", "kind": "hard", "label": "上班族或生意族进件路径", "operator": "eq", "value": "上班族分支：本地户籍或本地有房且连续社保6个月；外地且本地无房连续社保12个月；30周岁以下、本科学历、连续社保3个月；研究生学历、社保1个月且不看户籍。生意族分支：本地户籍、执照满一年且有房；外地户籍、执照满两年且有房；养殖种植执照满三年，美容美发足疗健身类不符合。各分支内部条件组合保留。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "上班族或生意族进件路径", "operator": "eq", "value": "上班族分支：本地户籍或本地有房且连续社保6个月；外地且本地无房连续社保12个月；30周岁以下、本科学历、连续社保3个月；研究生学历、社保1个月且不看户籍。生意族分支：本地户籍、执照满一年且有房；外地户籍、执照满两年且有房；养殖种植执照满三年，美容美发足疗健身类不符合。各分支内部条件组合保留。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "6f832bb187cbaeec01076f306b29d5060c2c8cf3cf3a7aee8bec5c0df3ca2dd7", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍", "学历", "营业执照" ] }, "collectedFields": [ "age", "socialSecurity", "house", "provinceCode", "occupation" ], "verificationScope": "依适用分支核实户籍／本地房产／学历，或执照年限／经营行业；不索要另一主体分支资料。", "review": "历史缺失同时列户籍、学历、营业执照，有路径混列风险；unknown合理，不能将这些当所有用户必填。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "alternative_path_prompt_risk", "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [ "age", "socialSecurity", "house", "provinceCode" ], "retainedButNotModelVisibleFields": [ "occupation" ], "newModelOutcome": null }, { "condition": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "cdd0e4940c41830a403bd0d692a84d5d7d07236971330a82ee1c09b9e5f3cc5e", "kind": "hard", "label": "当前逾期要求", "operator": "eq", "value": "不能当前逾期。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "当前逾期要求", "operator": "eq", "value": "不能当前逾期。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "cdd0e4940c41830a403bd0d692a84d5d7d07236971330a82ee1c09b9e5f3cc5e", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "当前逾期情况" ] }, "collectedFields": [], "verificationScope": "当前逾期记录。", "review": "历史unknown合理。", "promptCoverage": [ "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "5706721612f014610642288901b76a654090d6e317c5308e94532677b2acb773", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 不能当前逾期，一年内不能有2个1，两年内不能有3个1，历史总逾期不要超15次；查询要求：（只看带审字的）一个月6次，三个月10次，半年15次；系统并没有明确规定负债比和机构笔数，而是根据【基本条件+加分条件】来综合评分审批。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", "operator": "eq", "value": "征信要求 不能当前逾期，一年内不能有2个1，两年内不能有3个1，历史总逾期不要超15次；查询要求：（只看带审字的）一个月6次，三个月10次，半年15次；系统并没有明确规定负债比和机构笔数，而是根据【基本条件+加分条件】来综合评分审批。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "73", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "5706721612f014610642288901b76a654090d6e317c5308e94532677b2acb773", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信逾期记录", "征信查询次数" ] }, "collectedFields": [], "verificationScope": "各窗口逾期、带审批标记的查询记录。", "review": "历史unknown合理；原文未明确负债比和机构数门槛，不能新增。", "promptCoverage": [ "P3", "P4" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "73", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f66461df8ea0a39ddb137619e170295227a5a9c3a3e15ac7078c2e41862c71c2", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合诚易贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "上班族分支：本地户籍或本地有房且连续社保6个月；外地且本地无房连续社保12个月；30周岁以下、本科学历、连续社保3个月；研究生学历、社保1个月且不看户籍。生意族分支：本地户籍、执照满一年且有房；外地户籍、执照满两年且有房；养殖种植执照满三年，美容美发足疗健身类不符合。各分支内部条件组合保留。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "上班族或生意族进件路径", "unit": null }, "customConditionRef": "73|rule_qa_1" }, "historicalRaw": { "productId": "73", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f66461df8ea0a39ddb137619e170295227a5a9c3a3e15ac7078c2e41862c71c2", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "73", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "f66461df8ea0a39ddb137619e170295227a5a9c3a3e15ac7078c2e41862c71c2", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "73", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "9d16f7e36f826e2c7a57632b1b0af83bf5a6e04736e895231558168fda2dbb1c", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合诚易贷的当前逾期要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "不能当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "73|rule_qa_2" }, "historicalRaw": { "productId": "73", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "9d16f7e36f826e2c7a57632b1b0af83bf5a6e04736e895231558168fda2dbb1c", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "73", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "9d16f7e36f826e2c7a57632b1b0af83bf5a6e04736e895231558168fda2dbb1c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "73", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "b93b3647a1194bf0e70b7db3caaf9b3e0935c111f508c6caf7359441b411629b", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足诚易贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "上班族分支：本地户籍或本地有房且连续社保6个月；外地且本地无房连续社保12个月；30周岁以下、本科学历、连续社保3个月；研究生学历、社保1个月且不看户籍。生意族分支：本地户籍、执照满一年且有房；外地户籍、执照满两年且有房；养殖种植执照满三年，美容美发足疗健身类不符合。各分支内部条件组合保留。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "上班族或生意族进件路径", "unit": null }, "customConditionRef": "73|rule_qa_1" }, "historicalRaw": { "productId": "73", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "b93b3647a1194bf0e70b7db3caaf9b3e0935c111f508c6caf7359441b411629b", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "73", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "b93b3647a1194bf0e70b7db3caaf9b3e0935c111f508c6caf7359441b411629b", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "73", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "19c1e6215e17d3c0b47494b3220f7bce0f1aa5bf9c8e16dfa4efa4618693bda9", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合诚易贷的当前逾期要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "不能当前逾期。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "当前逾期要求", "unit": null }, "customConditionRef": "73|rule_qa_2" }, "historicalRaw": { "productId": "73", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "19c1e6215e17d3c0b47494b3220f7bce0f1aa5bf9c8e16dfa4efa4618693bda9", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "73", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "19c1e6215e17d3c0b47494b3220f7bce0f1aa5bf9c8e16dfa4efa4618693bda9", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "74", "productName": "光速贷", "bankName": "光大银行", "productVersion": 1, "summary": "保留社保、公积金；本单位关系和光大网点另核实，不能笼统要申请地区。", "source": { "materialId": "credit-19", "sourceHeading": "光大银行—光速贷", "sourceParagraphs": [ { "paragraphNo": 140, "text": "光大银行—光速贷" }, { "paragraphNo": 141, "text": "户籍要求：大陆户籍。" }, { "paragraphNo": 142, "text": "年龄要求：22—60周岁。" }, { "paragraphNo": 143, "text": "最高额度：最高30万。" }, { "paragraphNo": 144, "text": "贷款期限：授信期最长3年期。" }, { "paragraphNo": 145, "text": "贷款年利率： 年化2.9%—18%，系统审批。" }, { "paragraphNo": 146, "text": "还款方式：等额本息、先息后本，随借随还。提前还款违约金：" }, { "paragraphNo": 147, "text": "准入要求客户人群（必须满足以下任一条件）：①申请人房产抵押或按揭在光大银行，月供3个月以上，越久越好；②公积金社保本单位连续缴纳12个月；③近12个月本单位连续缴纳个税；④近6个月有用光大银行卡作为代发工资；⑤有大额存单、理财、流水等的客户；PS：不管名下有没有信用卡都是可以申请的；准入地区准入地区：有光大银行网点地区征信要求（建议）①查询：近2个月查询少于6次，近6个月查询少于12次；②当前不能有逾期；③两年内征信逾期不要超过5个1；" }, { "paragraphNo": 148, "text": "负债情况：1、余额建议：一般客户信贷（无房产）+信用卡已使用小于50万，2、未结清信贷笔数建议：不超3笔；3、非银行贷款笔数建议：不超2家；" }, { "paragraphNo": 149, "text": "信用卡：1、五级分类：正常；2、使用率建议：控制在70%以内；" }, { "paragraphNo": 150, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-19" }, "originalProductConditionText": "户籍要求：大陆户籍。\n年龄要求：22—60周岁。\n最高额度：最高30万。\n贷款期限：授信期最长3年期。\n贷款年利率： 年化2.9%—18%，系统审批。\n还款方式：等额本息、先息后本，随借随还。提前还款违约金：\n准入要求客户人群（必须满足以下任一条件）：①申请人房产抵押或按揭在光大银行，月供3个月以上，越久越好；②公积金社保本单位连续缴纳12个月；③近12个月本单位连续缴纳个税；④近6个月有用光大银行卡作为代发工资；⑤有大额存单、理财、流水等的客户；PS：不管名下有没有信用卡都是可以申请的；准入地区准入地区：有光大银行网点地区征信要求（建议）①查询：近2个月查询少于6次，近6个月查询少于12次；②当前不能有逾期；③两年内征信逾期不要超过5个1；\n负债情况：1、余额建议：一般客户信贷（无房产）+信用卡已使用小于50万，2、未结清信贷笔数建议：不超3笔；3、非银行贷款笔数建议：不超2家；\n信用卡：1、五级分类：正常；2、使用率建议：控制在70%以内；\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "babda9aa89e6a27ba5142f83b32f402d97b77cc55b18f04950c17f2e408306eb", "kind": "hard", "label": "光大往来及收入进件路径", "operator": "eq", "value": "必须满足一条：光大房产抵押／按揭且月供3个月以上；本单位连续缴纳公积金社保12个月；近12个月本单位连续缴个税；近6个月光大代发工资；大额存单、理财、流水等客户。原文称名下有无信用卡均可申请。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "光大往来及收入进件路径", "operator": "eq", "value": "必须满足一条：光大房产抵押／按揭且月供3个月以上；本单位连续缴纳公积金社保12个月；近12个月本单位连续缴个税；近6个月光大代发工资；大额存单、理财、流水等客户。原文称名下有无信用卡均可申请。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "babda9aa89e6a27ba5142f83b32f402d97b77cc55b18f04950c17f2e408306eb", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "光大往来情况", "个税缴纳记录", "代发工资记录" ] }, "collectedFields": [ "housingFund", "socialSecurity", "house", "monthlyLoanPayment", "company", "occupation" ], "verificationScope": "本单位连续缴存关系，或适用的光大贷款／个税／代发／资产往来。", "review": "历史unknown合理，但缺失只列光大往来、个税、代发，未精确指出已提供缴存路径还缺本单位关系，有引导用户改走其他路径风险。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "alternative_path_prompt_risk", "employer_specific_not_total_duration" ], "modelVisibleRelevantFields": [ "housingFund", "socialSecurity", "house", "monthlyLoanPayment" ], "retainedButNotModelVisibleFields": [ "company", "occupation" ], "newModelOutcome": null }, { "condition": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "764c4c8603342f501113bc1f30bf72ce119ab808419f5ec18e479b1c98d54b7b", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "22—60周岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄要求", "operator": "eq", "value": "22—60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "764c4c8603342f501113bc1f30bf72ce119ab808419f5ec18e479b1c98d54b7b", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致；裸年龄填值已由前轮规范。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "338434024ee485b207547ae509b99f28d4381d3e2a38e96b4074dcab147fba61", "kind": "hard", "label": "地区要求", "operator": "eq", "value": "有光大银行网点地区；不是无条件全国准入。", "valueMax": "", "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "地区要求", "operator": "eq", "value": "有光大银行网点地区；不是无条件全国准入。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "historicalJudgment": { "productId": "74", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "338434024ee485b207547ae509b99f28d4381d3e2a38e96b4074dcab147fba61", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "申请地区" ] }, "collectedFields": [ "provinceCode" ], "verificationScope": "具体受理地区及光大网点覆盖依据；省份不足以证明。", "review": "确认历史仅写“申请地区”过于笼统；应突出网点覆盖核实，不能凭省份或历史深圳事实判网点存在。", "promptCoverage": [ "E3" ], "flags": [ "branch_coverage_label_vague" ], "modelVisibleRelevantFields": [ "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "74", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f5fb3f8338e8743fb952612a4e34527482e31231e543253130871a02a5d5497a", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合光速贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "必须满足一条：光大房产抵押／按揭且月供3个月以上；本单位连续缴纳公积金社保12个月；近12个月本单位连续缴个税；近6个月光大代发工资；大额存单、理财、流水等客户。原文称名下有无信用卡均可申请。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "光大往来及收入进件路径", "unit": null }, "customConditionRef": "74|rule_qa_2" }, "historicalRaw": { "productId": "74", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f5fb3f8338e8743fb952612a4e34527482e31231e543253130871a02a5d5497a", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "74", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "f5fb3f8338e8743fb952612a4e34527482e31231e543253130871a02a5d5497a", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "74", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "1e85ff41b38a7da7a565a1c7d2eb6897d9a0422cb884a804d88f47940ef1657b", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合光速贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "74|rule_qa_3" }, "historicalRaw": { "productId": "74", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "1e85ff41b38a7da7a565a1c7d2eb6897d9a0422cb884a804d88f47940ef1657b", "conditionOutcome": "pass", "applicable": true, "values": [ "36岁" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "74", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "1e85ff41b38a7da7a565a1c7d2eb6897d9a0422cb884a804d88f47940ef1657b", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "74", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "659781d8e94433689c0be0e7e765f1319e985223e033d54c829ad67a934fdbfc", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足光速贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "必须满足一条：光大房产抵押／按揭且月供3个月以上；本单位连续缴纳公积金社保12个月；近12个月本单位连续缴个税；近6个月光大代发工资；大额存单、理财、流水等客户。原文称名下有无信用卡均可申请。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "光大往来及收入进件路径", "unit": null }, "customConditionRef": "74|rule_qa_2" }, "historicalRaw": { "productId": "74", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "659781d8e94433689c0be0e7e765f1319e985223e033d54c829ad67a934fdbfc", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "74", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "659781d8e94433689c0be0e7e765f1319e985223e033d54c829ad67a934fdbfc", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "74", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "996bc0d562dbbdaa0fadd13703bfa9c7ed356ba6a63ee25e85e411ea69c39527", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合光速贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "74|rule_qa_3" }, "historicalRaw": { "productId": "74", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "996bc0d562dbbdaa0fadd13703bfa9c7ed356ba6a63ee25e85e411ea69c39527", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "74", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "996bc0d562dbbdaa0fadd13703bfa9c7ed356ba6a63ee25e85e411ea69c39527", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "75", "productName": "润薪贷", "bankName": "华润银行", "productVersion": 1, "summary": "认定收入不等于普通月收入，省份不等于九市；既有年龄模式保持。", "source": { "materialId": "credit-20", "sourceHeading": "华润银行—润薪贷", "sourceParagraphs": [ { "paragraphNo": 151, "text": "华润银行—润薪贷" }, { "paragraphNo": 152, "text": "最长7年期。" }, { "paragraphNo": 153, "text": "户籍：大陆户籍。 年龄：23-60，年龄＋贷款期限＜61岁；额度：最高100万" }, { "paragraphNo": 154, "text": "利息：3.66%起" }, { "paragraphNo": 155, "text": "还款方式：先息后本，等额本息；" }, { "paragraphNo": 156, "text": "借款期限：额度10年期（标准7年期）；" }, { "paragraphNo": 157, "text": "准入要求目标客群（满足其一即可）：①客群1.华润集团、政府机关及事业单位的正式员工;2.公立医院、学校的正式员工;3.政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工;" }, { "paragraphNo": 158, "text": "②客群1.国家垄断行业(自来水、电力、烟草、石油、天然气、电信、铁路运输)的正式员工;2.财富500强企业、国内外上市公司(含主板、中小板、科创版，不包含ST、新三板)，以上包括控股下属公司或分支公司的正式员工；3.除优良职业人士第三条列明的金融行业的正式员工;4.国内外上市公司(除ST、新三板)的控股母公司的正式员工;5地方百强企业(一线城市前50强、非一线城市前30强)的正式员工;6.国有企业包括控股下属公司或分支公司的正式员工。" }, { "paragraphNo": 159, "text": "③客群本行对公授信企业(授信额度3000万以上)、本行战略合作企业、资金运营中心合作企业等;(需按白名单审批)；" }, { "paragraphNo": 160, "text": "④客群本行认定的非客群①②范围内的科技类、互联网类头部优质企业(如华为、腾讯、阿里)；" }, { "paragraphNo": 161, "text": "⑤客群其他优质受薪客群，社保/公积金基数10000；" }, { "paragraphNo": 162, "text": " 收入要求： 客群①②③:月均认定收入≥12000元; 客群④:月均认定收入20000元；" }, { "paragraphNo": 163, "text": "核算额度：方式一:可贷金额=基础月认定收入*18倍*客群系数." }, { "paragraphNo": 164, "text": "方式二(仅限客群④):可贷金额=按职级核定额度，" }, { "paragraphNo": 165, "text": "征信要求查询要求：近2个月不超3次，近12个月查询不超15次;逾期要求：当前无逾期，近3个月无1，2年内无连三累六；负债要求：①征信评分600分以上；②负债比不超75%；准入地区准入地区：深圳，广州，珠海，东莞，佛山，惠州，中山，肇庆，江门。" }, { "paragraphNo": 166, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-20" }, "originalProductConditionText": "最长7年期。\n户籍：大陆户籍。 年龄：23-60，年龄＋贷款期限＜61岁；额度：最高100万\n利息：3.66%起\n还款方式：先息后本，等额本息；\n借款期限：额度10年期（标准7年期）；\n准入要求目标客群（满足其一即可）：①客群1.华润集团、政府机关及事业单位的正式员工;2.公立医院、学校的正式员工;3.政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工;\n②客群1.国家垄断行业(自来水、电力、烟草、石油、天然气、电信、铁路运输)的正式员工;2.财富500强企业、国内外上市公司(含主板、中小板、科创版，不包含ST、新三板)，以上包括控股下属公司或分支公司的正式员工；3.除优良职业人士第三条列明的金融行业的正式员工;4.国内外上市公司(除ST、新三板)的控股母公司的正式员工;5地方百强企业(一线城市前50强、非一线城市前30强)的正式员工;6.国有企业包括控股下属公司或分支公司的正式员工。\n③客群本行对公授信企业(授信额度3000万以上)、本行战略合作企业、资金运营中心合作企业等;(需按白名单审批)；\n④客群本行认定的非客群①②范围内的科技类、互联网类头部优质企业(如华为、腾讯、阿里)；\n⑤客群其他优质受薪客群，社保/公积金基数10000；\n 收入要求： 客群①②③:月均认定收入≥12000元; 客群④:月均认定收入20000元；\n核算额度：方式一:可贷金额=基础月认定收入*18倍*客群系数.\n方式二(仅限客群④):可贷金额=按职级核定额度，\n征信要求查询要求：近2个月不超3次，近12个月查询不超15次;逾期要求：当前无逾期，近3个月无1，2年内无连三累六；负债要求：①征信评分600分以上；②负债比不超75%；准入地区准入地区：深圳，广州，珠海，东莞，佛山，惠州，中山，肇庆，江门。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "abd3a22feb0460a9adb5dcdd7e118ddeedfc451ce89351c83ccfc4fa9a9193c0", "kind": "hard", "label": "受薪客群及认定收入要求", "operator": "eq", "value": "五类受薪客群：①华润集团、政府机关及事业单位、公立医院学校，以及政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工；②垄断行业、财富500强、国内外上市公司及相关控股下属公司／分支、客群①未列明的其他金融行业、国内外上市公司的控股母公司、地方百强及国企（含控股下属公司／分支）的正式员工。上市范围按原文包含主板、中小板、科创版，排除ST／新三板；地方百强取一线城市前50强、非一线前30强；③本行对公授信3000万元以上、战略合作、资金运营中心合作等企业，需按白名单审批；④本行认定、且不在客群①②范围内的头部科技／互联网优质企业；⑤其他优质受薪客群，社保／公积金基数10000元。①②③月均认定收入≥12000元；④月均认定收入20000元；⑤收入门槛原文未写。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "受薪客群及认定收入要求", "operator": "eq", "value": "五类受薪客群：①华润集团、政府机关及事业单位、公立医院学校，以及政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工；②垄断行业、财富500强、国内外上市公司及相关控股下属公司／分支、客群①未列明的其他金融行业、国内外上市公司的控股母公司、地方百强及国企（含控股下属公司／分支）的正式员工。上市范围按原文包含主板、中小板、科创版，排除ST／新三板；地方百强取一线城市前50强、非一线前30强；③本行对公授信3000万元以上、战略合作、资金运营中心合作等企业，需按白名单审批；④本行认定、且不在客群①②范围内的头部科技／互联网优质企业；⑤其他优质受薪客群，社保／公积金基数10000元。①②③月均认定收入≥12000元；④月均认定收入20000元；⑤收入门槛原文未写。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "abd3a22feb0460a9adb5dcdd7e118ddeedfc451ce89351c83ccfc4fa9a9193c0", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "职业行业" ] }, "collectedFields": [ "monthlyIncome", "housingFundBase", "socialSecurityBase", "occupation", "company" ], "verificationScope": "目标单位／银行白名单及月均认定收入；第五类的基数条件另按所属客群判断。", "review": "历史“职业行业”属于已采集但不外发信息；只改提示不能让模型读取它。月收入和基数保留但不替代认定收入。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [ "monthlyIncome", "housingFundBase", "socialSecurityBase" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "1f7774c1057262458e03684d97d2b972892b1bbbe879bb8d0aea0c25bb746eff", "kind": "hard", "label": "年龄要求", "operator": "between", "value": "23", "valueMax": "60", "note": "仅按有效身份证计算的周岁核对上述年龄区间。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄与贷款期限组合", "operator": "eq", "value": "23—60周岁且年龄＋贷款期限＜61岁；需要单笔贷款期限，不能只凭年龄认定整项满足。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "1f7774c1057262458e03684d97d2b972892b1bbbe879bb8d0aea0c25bb746eff", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "当前资质年龄区间无额外缺项。", "review": "历史pass是23至60周岁，不代表原始年龄加贷款期限条件已确认。", "promptCoverage": [ "E2", "P2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "0fd76b71054a8c2010d39d823c52abb01422415efa8c75e8c779b2a970853b10", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求查询要求：近2个月不超3次，近12个月查询不超15次;逾期要求：当前无逾期，近3个月无1，2年内无连三累六；负债要求：①征信评分600分以上；②负债比不超75%；准入地区准入地区：深圳，广州，珠海，东莞，佛山，惠州，中山，肇庆，江门。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：标准单笔最长7年（84个月）；额度10年属于授信/额度表述，仅保留原文。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信及负债要求", "operator": "eq", "value": "征信要求查询要求：近2个月不超3次，近12个月查询不超15次;逾期要求：当前无逾期，近3个月无1，2年内无连三累六；负债要求：①征信评分600分以上；②负债比不超75%；准入地区准入地区：深圳，广州，珠海，东莞，佛山，惠州，中山，肇庆，江门。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：标准单笔最长7年（84个月）；额度10年属于授信/额度表述，仅保留原文。" }, "historicalJudgment": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "0fd76b71054a8c2010d39d823c52abb01422415efa8c75e8c779b2a970853b10", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信评分", "征信查询次数", "征信逾期记录" ] }, "collectedFields": [ "totalDebtBalance", "provinceCode" ], "verificationScope": "银行征信评分、负债比口径、查询／逾期及具体准入城市。", "review": "历史unknown合理；银行600分不是平台匹配分，负债余额不是75%负债比；本条也包含地区，不能只审独立地区条。", "promptCoverage": [ "P1", "P3", "P4", "E3" ], "flags": [ "score_scope_mismatch", "region_also_in_credit_condition" ], "modelVisibleRelevantFields": [ "totalDebtBalance", "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "fbc0f8c06e2aac028b3354afed7030f45ae65c9ef9ae3c5ed509f3dbb62c0ce1", "kind": "hard", "label": "地区要求", "operator": "eq", "value": "深圳、广州、珠海、东莞、佛山、惠州、中山、肇庆、江门。", "valueMax": "", "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "originalManualCondition": { "id": "rule_qa_5", "label": "地区要求", "operator": "eq", "value": "深圳、广州、珠海、东莞、佛山、惠州、中山、肇庆、江门。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "historicalJudgment": { "productId": "75", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "fbc0f8c06e2aac028b3354afed7030f45ae65c9ef9ae3c5ed509f3dbb62c0ce1", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "申请地区" ] }, "collectedFields": [ "provinceCode" ], "verificationScope": "当前仅广东省时需核实九市范围；若历史已有可信深圳城市事实，不应再索要同义地点。", "review": "确认历史有440300仍列“申请地区”；现已增加冻结名称提示但未经新模型验收。新省份输入保持unknown不算复发。", "promptCoverage": [ "E3" ], "flags": [ "legacy_city_fact_unused" ], "modelVisibleRelevantFields": [ "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "75", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "0f7bb332cb9cd19f05cec62309048c89c9f6da4fc17fcd06e2e8c90ee187c5ad", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合润薪贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "五类受薪客群：①华润集团、政府机关及事业单位、公立医院学校，以及政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工；②垄断行业、财富500强、国内外上市公司及相关控股下属公司／分支、客群①未列明的其他金融行业、国内外上市公司的控股母公司、地方百强及国企（含控股下属公司／分支）的正式员工。上市范围按原文包含主板、中小板、科创版，排除ST／新三板；地方百强取一线城市前50强、非一线前30强；③本行对公授信3000万元以上、战略合作、资金运营中心合作等企业，需按白名单审批；④本行认定、且不在客群①②范围内的头部科技／互联网优质企业；⑤其他优质受薪客群，社保／公积金基数10000元。①②③月均认定收入≥12000元；④月均认定收入20000元；⑤收入门槛原文未写。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "受薪客群及认定收入要求", "unit": null }, "customConditionRef": "75|rule_qa_2" }, "historicalRaw": { "productId": "75", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "0f7bb332cb9cd19f05cec62309048c89c9f6da4fc17fcd06e2e8c90ee187c5ad", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "75", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "0f7bb332cb9cd19f05cec62309048c89c9f6da4fc17fcd06e2e8c90ee187c5ad", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "75", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "51b79dacb73e45a6cd7f157cb566999cf9d83d6a234413d719c5a47f6bed25fd", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合润薪贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "between", "expected": [ "23", "60" ], "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "75|rule_qa_3" }, "historicalRaw": { "productId": "75", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "51b79dacb73e45a6cd7f157cb566999cf9d83d6a234413d719c5a47f6bed25fd", "conditionOutcome": "pass", "applicable": true, "values": [ "36岁" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "75", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "51b79dacb73e45a6cd7f157cb566999cf9d83d6a234413d719c5a47f6bed25fd", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "75", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "54d87cd341fea28608ba8dd7f73315fe5874e7fa3ff889cb5221653104ff0ab1", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足润薪贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "五类受薪客群：①华润集团、政府机关及事业单位、公立医院学校，以及政策性银行、国有银行、全国性商业银行、证券公司、基金、信托的正式员工；②垄断行业、财富500强、国内外上市公司及相关控股下属公司／分支、客群①未列明的其他金融行业、国内外上市公司的控股母公司、地方百强及国企（含控股下属公司／分支）的正式员工。上市范围按原文包含主板、中小板、科创版，排除ST／新三板；地方百强取一线城市前50强、非一线前30强；③本行对公授信3000万元以上、战略合作、资金运营中心合作等企业，需按白名单审批；④本行认定、且不在客群①②范围内的头部科技／互联网优质企业；⑤其他优质受薪客群，社保／公积金基数10000元。①②③月均认定收入≥12000元；④月均认定收入20000元；⑤收入门槛原文未写。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "受薪客群及认定收入要求", "unit": null }, "customConditionRef": "75|rule_qa_2" }, "historicalRaw": { "productId": "75", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "54d87cd341fea28608ba8dd7f73315fe5874e7fa3ff889cb5221653104ff0ab1", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "75", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "54d87cd341fea28608ba8dd7f73315fe5874e7fa3ff889cb5221653104ff0ab1", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "75", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "20c8adb89326ff05a2c05ef527ca0fc5fd08b14f63f515af93a4a507a9d66b15", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合润薪贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "between", "expected": [ "23", "60" ], "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "75|rule_qa_3" }, "historicalRaw": { "productId": "75", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "20c8adb89326ff05a2c05ef527ca0fc5fd08b14f63f515af93a4a507a9d66b15", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "75", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "20c8adb89326ff05a2c05ef527ca0fc5fd08b14f63f515af93a4a507a9d66b15", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "76", "productName": "润秒贷", "bankName": "华润银行", "productVersion": 1, "summary": "性别不在模型事实中；原配置强制缺性别待核实，本轮不改规则或从身份证推导。", "source": { "materialId": "credit-21", "sourceHeading": "华润银行—润秒贷", "sourceParagraphs": [ { "paragraphNo": 167, "text": "华润银行—润秒贷" }, { "paragraphNo": 168, "text": "最长7年期。" }, { "paragraphNo": 169, "text": "户籍：大陆户籍。 年龄：男22-60，女22-55；" }, { "paragraphNo": 170, "text": "额度：最高100万" }, { "paragraphNo": 171, "text": "利息：3.66%起" }, { "paragraphNo": 172, "text": "还款方式：1年先息后本/3—7年等额本息，随借随还；借款期限：最长7年。" }, { "paragraphNo": 173, "text": "准入要求目标客群：①上班族：有社保/公积金/个税/月供房/月供车;②自雇人士：有月供房/月供车最好；征信要求（建议）查询要求：近一个月不超4次，近3个月查询不超8次;逾期要求：当前无逾期，半年无2，一年无3，2年无4；负债要求：①抵押负债不看；②信贷负债不超6笔不超150万；准入地区准入地区：广东省（或者广东省内手机号码）" }, { "paragraphNo": 174, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-21" }, "originalProductConditionText": "最长7年期。\n户籍：大陆户籍。 年龄：男22-60，女22-55；\n额度：最高100万\n利息：3.66%起\n还款方式：1年先息后本/3—7年等额本息，随借随还；借款期限：最长7年。\n准入要求目标客群：①上班族：有社保/公积金/个税/月供房/月供车;②自雇人士：有月供房/月供车最好；征信要求（建议）查询要求：近一个月不超4次，近3个月查询不超8次;逾期要求：当前无逾期，半年无2，一年无3，2年无4；负债要求：①抵押负债不看；②信贷负债不超6笔不超150万；准入地区准入地区：广东省（或者广东省内手机号码）\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "76", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "76", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "76", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "53a3dd4de248de2537564f39a561ae8817c05fa6986c2cae3a5f72a878372a53", "kind": "hard", "label": "分性别年龄要求", "operator": "eq", "value": "男22—60岁、女22—55岁；缺少性别依据时保持待核实，不把22—60统一用于所有人。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "分性别年龄要求", "operator": "eq", "value": "男22—60岁、女22—55岁；缺少性别依据时保持待核实，不把22—60统一用于所有人。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "76", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "53a3dd4de248de2537564f39a561ae8817c05fa6986c2cae3a5f72a878372a53", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "性别" ] }, "collectedFields": [ "age" ], "verificationScope": "原冻结条件明示需要性别依据。", "review": "历史36岁虽落在男女区间交集，但原条件附缺性别保持待核实的限制，本轮不能靠提示自行删除；保留unknown，不新增外发性别。", "promptCoverage": [ "E2", "P3" ], "flags": [ "uncollected_gender" ], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "76", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f736ad43c3ce2dc6fce669c8419ec64cad3db963d78cc88539fd39b5b0406aa9", "ruleId": "", "condition": "上班族或自雇人士要求：上班族：有社保／公积金／个税／月供房／月供车。自雇人士：有月供房／月供车最好。原文斜杠关系与“最好”不直接转成全部必需条件。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "recommend", "text": "原文进件关系核实后，你的{X}符合润秒贷的对应进件要求，可进一步准备资料。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "76", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f736ad43c3ce2dc6fce669c8419ec64cad3db963d78cc88539fd39b5b0406aa9", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "76", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "f736ad43c3ce2dc6fce669c8419ec64cad3db963d78cc88539fd39b5b0406aa9", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "76", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "9267db85a73d6caf58b8b9bad0438bf991de196e24a5c4b117b8243e51b7b6f9", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合润秒贷的分性别年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "男22—60岁、女22—55岁；缺少性别依据时保持待核实，不把22—60统一用于所有人。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "分性别年龄要求", "unit": null }, "customConditionRef": "76|rule_qa_2" }, "historicalRaw": { "productId": "76", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "9267db85a73d6caf58b8b9bad0438bf991de196e24a5c4b117b8243e51b7b6f9", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "76", "applicable": false, "templateId": "template_qa_2", "evidenceRefs": [], "templateHash": "9267db85a73d6caf58b8b9bad0438bf991de196e24a5c4b117b8243e51b7b6f9", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "76", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "66a0858d912235cf38acfcfdebb0c8069ca4c7522a9af3654f8fbf1bbe509e7d", "ruleId": "", "condition": "上班族或自雇人士要求：上班族：有社保／公积金／个税／月供房／月供车。自雇人士：有月供房／月供车最好。原文斜杠关系与“最好”不直接转成全部必需条件。 组合关系尚未完全明确时只保留待核实，不生成不符结论。", "kind": "caution", "text": "原文进件关系核实后，已确认你的{X}未达到润秒贷的对应进件要求，建议先核实适用方案。", "placeholderCount": 1, "linkedCondition": null, "customConditionRef": null }, "historicalRaw": { "productId": "76", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "66a0858d912235cf38acfcfdebb0c8069ca4c7522a9af3654f8fbf1bbe509e7d", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "76", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "66a0858d912235cf38acfcfdebb0c8069ca4c7522a9af3654f8fbf1bbe509e7d", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "完整独立文字条件有歧义，保留原提示待核实，不能靠提示升级为整款硬条件。", "newModelOutcome": null }, { "template": { "productId": "76", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "0bd7c892be21bcd521b0cd7c676c8e320a5c7fbae7cd1041d7bf245ca5af13ca", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合润秒贷的分性别年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "男22—60岁、女22—55岁；缺少性别依据时保持待核实，不把22—60统一用于所有人。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "分性别年龄要求", "unit": null }, "customConditionRef": "76|rule_qa_2" }, "historicalRaw": { "productId": "76", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "0bd7c892be21bcd521b0cd7c676c8e320a5c7fbae7cd1041d7bf245ca5af13ca", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "76", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "0bd7c892be21bcd521b0cd7c676c8e320a5c7fbae7cd1041d7bf245ca5af13ca", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "77", "productName": "徽享薪易贷", "bankName": "徽商银行", "productVersion": 1, "summary": "社保／公积金独立路径已满足；地区问题区分历史城市与当前省份。", "source": { "materialId": "credit-22", "sourceHeading": "徽商银行—徽享薪易贷", "sourceParagraphs": [ { "paragraphNo": 175, "text": "徽商银行—徽享薪易贷" }, { "paragraphNo": 176, "text": "户籍：大陆户籍。 年龄：22-60岁。" }, { "paragraphNo": 177, "text": "额度：最高20万" }, { "paragraphNo": 178, "text": "利率：年化利率3.1%起。" }, { "paragraphNo": 179, "text": "期限：最长3年期。" }, { "paragraphNo": 180, "text": "还款方式：等额本息，先息后本，随借随还。" }, { "paragraphNo": 181, "text": "申请方式：线上申请，线上审批，线上放款。" }, { "paragraphNo": 182, "text": "提前还款：无违约金。" }, { "paragraphNo": 183, "text": "准入要求准入要求（符合以下其一即可）：①社保客群（建议本单位缴纳满半年以上）②公积金客群（缴存时间没有具体要求）；③优质行业客户（国企、公务员、事业单位）征信要求①逾期：无当前逾期，不得有3期连续逾期和连3累6；近一年逾期无2且一年内逾期次数不超6次；近两年逾期无3且两年内逾期次数不超9次②网贷笔数：非银小贷不能有4笔（含4笔）（含借呗和微粒贷）③查询：近3个月内机构查询不得超过7次准入地区北京：全市广东：深圳市江苏省：南京市浙江省：宁波市安徽省：合肥市、芜湖市、蚌埠市、淮南市、马鞍山市、铜陵市、安庆市、黄山市、滁州市、阜阳市、宿州市、六安市、毫州市、池州市、宣城市四川省：成都市、达州市" }, { "paragraphNo": 184, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-22" }, "originalProductConditionText": "户籍：大陆户籍。 年龄：22-60岁。\n额度：最高20万\n利率：年化利率3.1%起。\n期限：最长3年期。\n还款方式：等额本息，先息后本，随借随还。\n申请方式：线上申请，线上审批，线上放款。\n提前还款：无违约金。\n准入要求准入要求（符合以下其一即可）：①社保客群（建议本单位缴纳满半年以上）②公积金客群（缴存时间没有具体要求）；③优质行业客户（国企、公务员、事业单位）征信要求①逾期：无当前逾期，不得有3期连续逾期和连3累6；近一年逾期无2且一年内逾期次数不超6次；近两年逾期无3且两年内逾期次数不超9次②网贷笔数：非银小贷不能有4笔（含4笔）（含借呗和微粒贷）③查询：近3个月内机构查询不得超过7次准入地区北京：全市广东：深圳市江苏省：南京市浙江省：宁波市安徽省：合肥市、芜湖市、蚌埠市、淮南市、马鞍山市、铜陵市、安庆市、黄山市、滁州市、阜阳市、宿州市、六安市、毫州市、池州市、宣城市四川省：成都市、达州市\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "5336cc221ea4b9bda5e1aa39ea7c3fcbd27eb61e16713e3376aa4137939628cb", "kind": "hard", "label": "社保公积金或优质行业路径", "operator": "eq", "value": "符合其一：社保客群（建议本单位满半年以上）；公积金客群（缴存时间没有具体要求）；优质行业客户（国企、公务员、事业单位）。社保半年是建议，不设为所有客群门槛。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "社保公积金或优质行业路径", "operator": "eq", "value": "符合其一：社保客群（建议本单位满半年以上）；公积金客群（缴存时间没有具体要求）；优质行业客户（国企、公务员、事业单位）。社保半年是建议，不设为所有客群门槛。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "5336cc221ea4b9bda5e1aa39ea7c3fcbd27eb61e16713e3376aa4137939628cb", "outcome": "pass", "evidenceRefs": [ "fact:socialSecurity", "fact:housingFund" ], "missingFields": [] }, "collectedFields": [ "socialSecurity", "housingFund" ], "verificationScope": "已提供正向缴存事实时，无需其他优质行业分支资料。", "review": "历史pass正确；社保半年建议不变成全部客群硬门槛。", "promptCoverage": [ "E1", "P3" ], "flags": [], "modelVisibleRelevantFields": [ "socialSecurity", "housingFund" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "69702f34ef6fbb9dbcc096b783ac0ff35b6c73682ac68d07402627ff708348f7", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "22—60岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄要求", "operator": "eq", "value": "22—60岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "69702f34ef6fbb9dbcc096b783ac0ff35b6c73682ac68d07402627ff708348f7", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "d08445452b89f3a6dab3ada2eca618f61c188a008e3aeb86a12d74c8079c6906", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①逾期：无当前逾期，不得有3期连续逾期和连3累6；近一年逾期无2且一年内逾期次数不超6次；近两年逾期无3且两年内逾期次数不超9次②网贷笔数：非银小贷不能有4笔（含4笔）（含借呗和微粒贷）③查询：近3个月内机构查询不得超过7次准入地区北京：全市广东：深圳市江苏省：南京市浙江省：宁波市安徽省：合肥市、芜湖市、蚌埠市、淮南市、马鞍山市、铜陵市、安庆市、黄山市、滁州市、阜阳市、宿州市、六安市、毫州市、池州市、宣城市四川省：成都市、达州市", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①逾期：无当前逾期，不得有3期连续逾期和连3累6；近一年逾期无2且一年内逾期次数不超6次；近两年逾期无3且两年内逾期次数不超9次②网贷笔数：非银小贷不能有4笔（含4笔）（含借呗和微粒贷）③查询：近3个月内机构查询不得超过7次准入地区北京：全市广东：深圳市江苏省：南京市浙江省：宁波市安徽省：合肥市、芜湖市、蚌埠市、淮南市、马鞍山市、铜陵市、安庆市、黄山市、滁州市、阜阳市、宿州市、六安市、毫州市、池州市、宣城市四川省：成都市、达州市", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "d08445452b89f3a6dab3ada2eca618f61c188a008e3aeb86a12d74c8079c6906", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信报告" ] }, "collectedFields": [ "creditLoanCount", "provinceCode" ], "verificationScope": "非银小贷种类／笔数、查询及逾期；本条原文也含城市名单。", "review": "历史unknown合理；信用贷款笔数不能替代非银小贷笔数，不能漏掉内嵌地区范围。", "promptCoverage": [ "P1", "P3", "P4", "E3" ], "flags": [ "count_scope_mismatch", "region_also_in_credit_condition" ], "modelVisibleRelevantFields": [ "creditLoanCount", "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "f574db3c6a480e56167557a9d1ca9d3fabff9ed30363cdfd93d666ea9e5769b9", "kind": "hard", "label": "地区要求", "operator": "eq", "value": "北京全市；广东深圳；江苏南京；浙江宁波；安徽合肥、芜湖、蚌埠、淮南、马鞍山、铜陵、安庆、黄山、滁州、阜阳、宿州、六安、原文“毫州”、池州、宣城；四川成都、达州。", "valueMax": "", "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "originalManualCondition": { "id": "rule_qa_5", "label": "地区要求", "operator": "eq", "value": "北京全市；广东深圳；江苏南京；浙江宁波；安徽合肥、芜湖、蚌埠、淮南、马鞍山、铜陵、安庆、黄山、滁州、阜阳、宿州、六安、原文“毫州”、池州、宣城；四川成都、达州。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "historicalJudgment": { "productId": "77", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "f574db3c6a480e56167557a9d1ca9d3fabff9ed30363cdfd93d666ea9e5769b9", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "所在城市" ] }, "collectedFields": [ "provinceCode" ], "verificationScope": "具体准入城市；不能把整省都当名单内城市。", "review": "确认历史已有深圳城市代码仍列“所在城市”；当前只有省份时保持unknown合理。", "promptCoverage": [ "E3" ], "flags": [ "legacy_city_fact_unused" ], "modelVisibleRelevantFields": [ "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "77", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "3d9fc311f22350be2a974e3d45fbdd1d373e2aca149ab6d967a52c8051656416", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合徽享薪易贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "符合其一：社保客群（建议本单位满半年以上）；公积金客群（缴存时间没有具体要求）；优质行业客户（国企、公务员、事业单位）。社保半年是建议，不设为所有客群门槛。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "社保公积金或优质行业路径", "unit": null }, "customConditionRef": "77|rule_qa_2" }, "historicalRaw": { "productId": "77", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "3d9fc311f22350be2a974e3d45fbdd1d373e2aca149ab6d967a52c8051656416", "conditionOutcome": "pass", "applicable": true, "values": [ "社保缴纳情况" ], "evidenceRefs": [ "fact:socialSecurity" ] }, "historicalNormalized": { "values": [ "社保缴纳情况" ], "productId": "77", "applicable": true, "templateId": "template_qa_1", "evidenceRefs": [ "fact:socialSecurity" ], "templateHash": "3d9fc311f22350be2a974e3d45fbdd1d373e2aca149ab6d967a52c8051656416", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "77", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "040884bf9b9d221c8f121e7bd52e1ce95b7e5efc546b458c09915927fc987a49", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合徽享薪易贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "77|rule_qa_3" }, "historicalRaw": { "productId": "77", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "040884bf9b9d221c8f121e7bd52e1ce95b7e5efc546b458c09915927fc987a49", "conditionOutcome": "pass", "applicable": true, "values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "77", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "040884bf9b9d221c8f121e7bd52e1ce95b7e5efc546b458c09915927fc987a49", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "77", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "f52e37df4211633b9e154423ce25deb4ddb129a23451abac4796a7ac01197eb7", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足徽享薪易贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "符合其一：社保客群（建议本单位满半年以上）；公积金客群（缴存时间没有具体要求）；优质行业客户（国企、公务员、事业单位）。社保半年是建议，不设为所有客群门槛。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "社保公积金或优质行业路径", "unit": null }, "customConditionRef": "77|rule_qa_2" }, "historicalRaw": { "productId": "77", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "f52e37df4211633b9e154423ce25deb4ddb129a23451abac4796a7ac01197eb7", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "77", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "f52e37df4211633b9e154423ce25deb4ddb129a23451abac4796a7ac01197eb7", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "77", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "fec12110640ec0e90be6a9bd1af8172eda0df9d604922df270245552c33699a4", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合徽享薪易贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "77|rule_qa_3" }, "historicalRaw": { "productId": "77", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "fec12110640ec0e90be6a9bd1af8172eda0df9d604922df270245552c33699a4", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "77", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "fec12110640ec0e90be6a9bd1af8172eda0df9d604922df270245552c33699a4", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "78", "productName": "鹏城e贷", "bankName": "徽商银行", "productVersion": 1, "summary": "复用公积金时长和基数，仍核实单位／白名单；广东省不能证明深圳。", "source": { "materialId": "credit-23", "sourceHeading": "徽商银行—鹏城e贷", "sourceParagraphs": [ { "paragraphNo": 185, "text": "徽商银行—鹏城e贷" }, { "paragraphNo": 186, "text": "户籍：大陆户籍。 年龄：22—60岁。" }, { "paragraphNo": 187, "text": "额度：最高100万。" }, { "paragraphNo": 188, "text": "利率：年化利率3%。" }, { "paragraphNo": 189, "text": "期限：1—7年期。" }, { "paragraphNo": 190, "text": "还款方式：等额本息，先息后本（最长3年），随借随还。地区：此产品仅限深圳。" }, { "paragraphNo": 191, "text": "准入要求①事业单位、国企、上市公司、银行券商等+满12个月公积金（基数＞6000）。②普通单位（需要先加白名单）+满12个月公积金（基数＞8000）。征信要求①查询：近3个月≤6次。②当前不能有逾期。③近两年内征信逾期不要超过2个1。④信用贷用信额度用款小于100万（建议）。准入地区准入地区：深圳。" }, { "paragraphNo": 192, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-23" }, "originalProductConditionText": "户籍：大陆户籍。 年龄：22—60岁。\n额度：最高100万。\n利率：年化利率3%。\n期限：1—7年期。\n还款方式：等额本息，先息后本（最长3年），随借随还。地区：此产品仅限深圳。\n准入要求①事业单位、国企、上市公司、银行券商等+满12个月公积金（基数＞6000）。②普通单位（需要先加白名单）+满12个月公积金（基数＞8000）。征信要求①查询：近3个月≤6次。②当前不能有逾期。③近两年内征信逾期不要超过2个1。④信用贷用信额度用款小于100万（建议）。准入地区准入地区：深圳。\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "2eb935da8be62414288f18575087c53ec7be8499d5cc1fc7df9c3870b64ccbbc", "kind": "hard", "label": "单位与公积金组合路径", "operator": "eq", "value": "①事业单位、国企、上市公司、银行券商等，且公积金满12个月、基数＞6000元；②普通单位先加入白名单，且公积金满12个月、基数＞8000元。每条路径内部需同时满足，不混用两档基数。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "单位与公积金组合路径", "operator": "eq", "value": "①事业单位、国企、上市公司、银行券商等，且公积金满12个月、基数＞6000元；②普通单位先加入白名单，且公积金满12个月、基数＞8000元。每条路径内部需同时满足，不混用两档基数。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "2eb935da8be62414288f18575087c53ec7be8499d5cc1fc7df9c3870b64ccbbc", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质" ] }, "collectedFields": [ "housingFund", "housingFundBase", "occupation", "company" ], "verificationScope": "单位类别或普通单位银行白名单。", "review": "历史unknown合理；已有时长及12000元基数可用于两档数值子项，但不能把单位／白名单当已知。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "private_collected_not_model_visible", "available_numeric_subcheck" ], "modelVisibleRelevantFields": [ "housingFund", "housingFundBase" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "69702f34ef6fbb9dbcc096b783ac0ff35b6c73682ac68d07402627ff708348f7", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "22—60岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄要求", "operator": "eq", "value": "22—60岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "69702f34ef6fbb9dbcc096b783ac0ff35b6c73682ac68d07402627ff708348f7", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "212b24e9b8c6df57488b0351eb8f8b9f42d5046038042d493afd89522293811c", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①查询：近3个月≤6次。②当前不能有逾期。③近两年内征信逾期不要超过2个1。④信用贷用信额度用款小于100万（建议）。准入地区准入地区：深圳。", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①查询：近3个月≤6次。②当前不能有逾期。③近两年内征信逾期不要超过2个1。④信用贷用信额度用款小于100万（建议）。准入地区准入地区：深圳。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。" }, "historicalJudgment": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "212b24e9b8c6df57488b0351eb8f8b9f42d5046038042d493afd89522293811c", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信报告" ] }, "collectedFields": [ "totalDebtBalance", "provinceCode" ], "verificationScope": "查询、逾期及深圳准入依据。", "review": "历史unknown合理；原文明示100万是建议，不能升级为硬门槛；本条内嵌地区仍保留。", "promptCoverage": [ "P3", "P4", "E3" ], "flags": [ "region_also_in_credit_condition" ], "modelVisibleRelevantFields": [ "totalDebtBalance", "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "acf7700c9c7595c3955494202b50a9ac3b258740b99fdee99f06f6e2eca26926", "kind": "hard", "label": "地区要求", "operator": "eq", "value": "仅限深圳。", "valueMax": "", "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "originalManualCondition": { "id": "rule_qa_5", "label": "地区要求", "operator": "eq", "value": "仅限深圳。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "按原文地区完整名单核对，不以户籍代替工作或申请地区。" }, "historicalJudgment": { "productId": "78", "productVersion": 1, "conditionId": "rule_qa_5", "conditionHash": "acf7700c9c7595c3955494202b50a9ac3b258740b99fdee99f06f6e2eca26926", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "所在城市" ] }, "collectedFields": [ "provinceCode" ], "verificationScope": "当前仅省份时需核实深圳市。", "review": "确认历史深圳城市事实未用而再索要所在城市；不能据历史问题让新广东省输入自动pass。", "promptCoverage": [ "E3" ], "flags": [ "legacy_city_fact_unused" ], "modelVisibleRelevantFields": [ "provinceCode" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "78", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "7484f492683d7fcbc38c0d51f5be6a127f55ff967845353dc4883d85d00223ba", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合鹏城e贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①事业单位、国企、上市公司、银行券商等，且公积金满12个月、基数＞6000元；②普通单位先加入白名单，且公积金满12个月、基数＞8000元。每条路径内部需同时满足，不混用两档基数。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位与公积金组合路径", "unit": null }, "customConditionRef": "78|rule_qa_2" }, "historicalRaw": { "productId": "78", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "7484f492683d7fcbc38c0d51f5be6a127f55ff967845353dc4883d85d00223ba", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "78", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "7484f492683d7fcbc38c0d51f5be6a127f55ff967845353dc4883d85d00223ba", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "78", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "ec1a585b40895b642e25ccd76771af5dd6f3d8990668cb7d270a105aa44837bf", "ruleId": "rule_qa_3", "condition": "", "kind": "recommend", "text": "你的{X}符合鹏城e贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "78|rule_qa_3" }, "historicalRaw": { "productId": "78", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "ec1a585b40895b642e25ccd76771af5dd6f3d8990668cb7d270a105aa44837bf", "conditionOutcome": "pass", "applicable": true, "values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "78", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "ec1a585b40895b642e25ccd76771af5dd6f3d8990668cb7d270a105aa44837bf", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "78", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "effd3a2ead1564042ef81bda392485d7f423f34bdd4be3ac5ef4b06dfec3ed81", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足鹏城e贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "①事业单位、国企、上市公司、银行券商等，且公积金满12个月、基数＞6000元；②普通单位先加入白名单，且公积金满12个月、基数＞8000元。每条路径内部需同时满足，不混用两档基数。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位与公积金组合路径", "unit": null }, "customConditionRef": "78|rule_qa_2" }, "historicalRaw": { "productId": "78", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "effd3a2ead1564042ef81bda392485d7f423f34bdd4be3ac5ef4b06dfec3ed81", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "78", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "effd3a2ead1564042ef81bda392485d7f423f34bdd4be3ac5ef4b06dfec3ed81", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "78", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "2e2f8cbd4ad01f90c47d44f9b46a53fd71f580303bbf17419db60f9e0e5bd50a", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合鹏城e贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "22—60岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "78|rule_qa_3" }, "historicalRaw": { "productId": "78", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "2e2f8cbd4ad01f90c47d44f9b46a53fd71f580303bbf17419db60f9e0e5bd50a", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "78", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "2e2f8cbd4ad01f90c47d44f9b46a53fd71f580303bbf17419db60f9e0e5bd50a", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "79", "productName": "民易贷", "bankName": "民生银行", "productVersion": 1, "summary": "职业、电话和单位字段都保留；模型不可见不代表用户漏填，证件有效期则未采集。", "source": { "materialId": "credit-24", "sourceHeading": "民生银行—民易贷", "sourceParagraphs": [ { "paragraphNo": 193, "text": "民生银行—民易贷" }, { "paragraphNo": 194, "text": "：额度：最高50万（纯线上最高30万，50万需线下申请）。利率：年化3%起" }, { "paragraphNo": 195, "text": "期限：最长3年期。" }, { "paragraphNo": 196, "text": "还款方式：循环额度，随借随还。" }, { "paragraphNo": 197, "text": "年龄：22-60周岁（年龄+期限≤60）；借款人：只做受薪人士，不能是法人/股东；申请时效：纯线上申请，秒出结果。" }, { "paragraphNo": 198, "text": "基本要求满足以下其一：①白名单企业客户，公积金连续缴存月数≥6个月；" }, { "paragraphNo": 199, "text": "②非白名单企业客户：公积金连续缴存月数≥12个月（部分要求≥18个月）③我行按揭贷款还款≥12个月（征信上体现按揭记录）。④他行按揭贷款≥24个月（征信上体现按揭记录）。⑤民生银行代发工资客户，连续代发≥12个月。" }, { "paragraphNo": 200, "text": "白名单企业（及子公司）：国企，央企，事业单位，上市公司，世界五百强，中国五百强企业" }, { "paragraphNo": 201, "text": "禁入要求：①军人、消防、学生、无业、退休、家庭主妇等职业禁入；" }, { "paragraphNo": 202, "text": "②身份证有效期结束日期≤180天；③申请手机前三位为170、171、141、145、146、147、148、149、165禁入。 征信要求①查询：近2个月≤4次；②逾期：2年不超6个1，不能有2；③有房：信贷不超3笔；④无房：信贷不超2笔；⑤不能有小额字眼的贷款。⑥信用负债＜100万" }, { "paragraphNo": 203, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-24" }, "originalProductConditionText": "：额度：最高50万（纯线上最高30万，50万需线下申请）。利率：年化3%起\n期限：最长3年期。\n还款方式：循环额度，随借随还。\n年龄：22-60周岁（年龄+期限≤60）；借款人：只做受薪人士，不能是法人/股东；申请时效：纯线上申请，秒出结果。\n基本要求满足以下其一：①白名单企业客户，公积金连续缴存月数≥6个月；\n②非白名单企业客户：公积金连续缴存月数≥12个月（部分要求≥18个月）③我行按揭贷款还款≥12个月（征信上体现按揭记录）。④他行按揭贷款≥24个月（征信上体现按揭记录）。⑤民生银行代发工资客户，连续代发≥12个月。\n白名单企业（及子公司）：国企，央企，事业单位，上市公司，世界五百强，中国五百强企业\n禁入要求：①军人、消防、学生、无业、退休、家庭主妇等职业禁入；\n②身份证有效期结束日期≤180天；③申请手机前三位为170、171、141、145、146、147、148、149、165禁入。 征信要求①查询：近2个月≤4次；②逾期：2年不超6个1，不能有2；③有房：信贷不超3笔；④无房：信贷不超2笔；⑤不能有小额字眼的贷款。⑥信用负债＜100万\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "8d15858c6d81e017c9c1ff23672074a03b8b88454e3991db2a118c2293da9e1b", "kind": "hard", "label": "受薪身份及进件路径", "operator": "eq", "value": "先满足受薪人士且非法人／股东等身份要求，再满足其一：白名单企业公积金连续≥6个月；非白名单企业连续≥12个月（部分≥18个月）；本行按揭还款≥12个月；他行按揭≥24个月；民生代发连续≥12个月。原文另有职业、证件剩余有效期和手机号段禁入要求，须完整核对。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_1", "label": "受薪身份及进件路径", "operator": "eq", "value": "先满足受薪人士且非法人／股东等身份要求，再满足其一：白名单企业公积金连续≥6个月；非白名单企业连续≥12个月（部分≥18个月）；本行按揭还款≥12个月；他行按揭≥24个月；民生代发连续≥12个月。原文另有职业、证件剩余有效期和手机号段禁入要求，须完整核对。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "8d15858c6d81e017c9c1ff23672074a03b8b88454e3991db2a118c2293da9e1b", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "职业", "单位性质", "证件剩余有效期", "手机号段" ] }, "collectedFields": [ "housingFund", "house", "monthlyLoanPayment", "occupation", "company", "phone", "idCard" ], "verificationScope": "受薪且非法人／股东、适用单位白名单／缴存年限或银行往来；另核实证件剩余有效期及手机号段资格。", "review": "历史列“职业、手机号段”不能等同用户没填；电话和职业按隐私白名单不外发。各路径不能混为全必填。", "promptCoverage": [ "P1", "P3", "P4", "E1" ], "flags": [ "private_collected_not_model_visible", "alternative_path_prompt_risk" ], "modelVisibleRelevantFields": [ "housingFund", "house", "monthlyLoanPayment" ], "retainedButNotModelVisibleFields": [ "occupation", "company", "phone", "idCard" ], "newModelOutcome": null }, { "condition": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "7a7ae18ca371b3b73b3bb87c51eebc41050c56803d2b0b21e24cbfef3356e062", "kind": "hard", "label": "年龄要求", "operator": "between", "value": "22", "valueMax": "60", "note": "仅按有效身份证计算的周岁核对上述年龄区间。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "年龄与贷款期限组合", "operator": "eq", "value": "22—60周岁且年龄＋贷款期限≤60岁；不能只凭年龄判断组合条件。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "7a7ae18ca371b3b73b3bb87c51eebc41050c56803d2b0b21e24cbfef3356e062", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "当前资质年龄区间无额外缺项。", "review": "历史pass是22至60周岁，不代表原年龄加期限组合已确认。", "promptCoverage": [ "E2", "P2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "80688ad3aac3383d6c9010062e7187b91177f378e81d81ce76fb9b60ce2239b2", "kind": "hard", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①查询：近2个月≤4次；②逾期：2年不超6个1，不能有2；③有房：信贷不超3笔；④无房：信贷不超2笔；⑤不能有小额字眼的贷款。⑥信用负债＜100万", "valueMax": "", "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：产品额度上限50万元；纯线上30万元限制完整保留原文，不拆渠道，后续AI分析须读取渠道条件。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "征信及负债要求", "operator": "eq", "value": "征信要求①查询：近2个月≤4次；②逾期：2年不超6个1，不能有2；③有房：信贷不超3笔；④无房：信贷不超2笔；⑤不能有小额字眼的贷款。⑥信用负债＜100万", "valueMax": "", "applicantTypes": [ "personal" ], "note": "仅原文明示硬要求作准入；建议、一般、经验、例外和未明确的计数口径不升级为硬门槛，资料不足保持待核实。当前采用口径：产品额度上限50万元；纯线上30万元限制完整保留原文，不拆渠道，后续AI分析须读取渠道条件。" }, "historicalJudgment": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "80688ad3aac3383d6c9010062e7187b91177f378e81d81ce76fb9b60ce2239b2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "征信报告" ] }, "collectedFields": [ "house", "creditLoanCount", "totalDebtBalance" ], "verificationScope": "征信查询／逾期、小额贷款类型及信用负债范围。", "review": "当前有房和2笔信贷可核对对应笔数子项；不能用总余额替代信用负债，整条unknown仍合理。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "available_numeric_subcheck", "count_scope_mismatch" ], "modelVisibleRelevantFields": [ "house", "creditLoanCount", "totalDebtBalance" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "c262e0aa0971b23fa2e5622d29bbda0b825d073e8d56ac9ea6111f4628e1d162", "kind": "hard", "label": "身份、职业及申请凭证要求", "operator": "eq", "value": "只做受薪人士，不能是法人／股东。军人、消防、学生、无业、退休、家庭主妇等职业禁入；身份证有效期结束日期≤180天禁入；申请手机前三位为170、171、141、145、146、147、148、149、165禁入。", "valueMax": "", "note": "来源P197、P201—P202；缺少相关事实时保留待核实，不根据职业或身份证号码猜测证件剩余有效期。" }, "originalManualCondition": { "id": "rule_qa_4", "label": "身份、职业及申请凭证要求", "operator": "eq", "value": "只做受薪人士，不能是法人／股东。军人、消防、学生、无业、退休、家庭主妇等职业禁入；身份证有效期结束日期≤180天禁入；申请手机前三位为170、171、141、145、146、147、148、149、165禁入。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "来源P197、P201—P202；缺少相关事实时保留待核实，不根据职业或身份证号码猜测证件剩余有效期。" }, "historicalJudgment": { "productId": "79", "productVersion": 1, "conditionId": "rule_qa_4", "conditionHash": "c262e0aa0971b23fa2e5622d29bbda0b825d073e8d56ac9ea6111f4628e1d162", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "职业", "证件剩余有效期", "手机号段" ] }, "collectedFields": [ "occupation", "company", "phone", "idCard" ], "verificationScope": "受薪／法人股东关系、职业禁入类别、证件到期日及手机号段资格。", "review": "职业和电话已采集但模型不可见；身份证号不含有效期，不能推算剩余天数，也不外发完整证件或电话。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "private_collected_not_model_visible" ], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [ "occupation", "company", "phone", "idCard" ], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "79", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "0fc7821a4d4ec587597b8cd85dc479569d8478c71ec9a01458e2ded32bca9c32", "ruleId": "rule_qa_1", "condition": "", "kind": "recommend", "text": "你的{X}符合民易贷的一项完整进件路径，可按该路径进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "先满足受薪人士且非法人／股东等身份要求，再满足其一：白名单企业公积金连续≥6个月；非白名单企业连续≥12个月（部分≥18个月）；本行按揭还款≥12个月；他行按揭≥24个月；民生代发连续≥12个月。原文另有职业、证件剩余有效期和手机号段禁入要求，须完整核对。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "受薪身份及进件路径", "unit": null }, "customConditionRef": "79|rule_qa_1" }, "historicalRaw": { "productId": "79", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "0fc7821a4d4ec587597b8cd85dc479569d8478c71ec9a01458e2ded32bca9c32", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "79", "applicable": false, "templateId": "template_qa_1", "evidenceRefs": [], "templateHash": "0fc7821a4d4ec587597b8cd85dc479569d8478c71ec9a01458e2ded32bca9c32", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "79", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "8f1bf9fe27a6324673664d43167f57dd72704de0dd73349b1dedd06db30cb3b9", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合民易贷的年龄要求，可作为进一步核对产品适用性的依据。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "between", "expected": [ "22", "60" ], "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "79|rule_qa_2" }, "historicalRaw": { "productId": "79", "productVersion": 1, "templateId": "template_qa_2", "templateHash": "8f1bf9fe27a6324673664d43167f57dd72704de0dd73349b1dedd06db30cb3b9", "conditionOutcome": "pass", "applicable": true, "values": [ "年龄（36岁）" ], "evidenceRefs": [ "fact:age" ] }, "historicalNormalized": { "values": [ "年龄（36岁）" ], "productId": "79", "applicable": true, "templateId": "template_qa_2", "evidenceRefs": [ "fact:age" ], "templateHash": "8f1bf9fe27a6324673664d43167f57dd72704de0dd73349b1dedd06db30cb3b9", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "79", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "d97fd499691c69768cd725febb954a553b5c9743c6e0895a704a17045ebab164", "ruleId": "rule_qa_1", "condition": "", "kind": "caution", "text": "已确认你的{X}未满足民易贷的任一进件路径，建议先核实适用客群后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_1", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "先满足受薪人士且非法人／股东等身份要求，再满足其一：白名单企业公积金连续≥6个月；非白名单企业连续≥12个月（部分≥18个月）；本行按揭还款≥12个月；他行按揭≥24个月；民生代发连续≥12个月。原文另有职业、证件剩余有效期和手机号段禁入要求，须完整核对。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "受薪身份及进件路径", "unit": null }, "customConditionRef": "79|rule_qa_1" }, "historicalRaw": { "productId": "79", "productVersion": 1, "templateId": "template_qa_3", "templateHash": "d97fd499691c69768cd725febb954a553b5c9743c6e0895a704a17045ebab164", "conditionOutcome": "unknown", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "79", "applicable": false, "templateId": "template_qa_3", "evidenceRefs": [], "templateHash": "d97fd499691c69768cd725febb954a553b5c9743c6e0895a704a17045ebab164", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "79", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "7ac61c844182344214d69440e1288d9168848576d34a981e19804e71bb21c4e9", "ruleId": "rule_qa_2", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合民易贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "between", "expected": [ "22", "60" ], "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "79|rule_qa_2" }, "historicalRaw": { "productId": "79", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "7ac61c844182344214d69440e1288d9168848576d34a981e19804e71bb21c4e9", "conditionOutcome": "pass", "applicable": false, "values": [], "evidenceRefs": [] }, "historicalNormalized": { "values": [], "productId": "79", "applicable": false, "templateId": "template_qa_4", "evidenceRefs": [], "templateHash": "7ac61c844182344214d69440e1288d9168848576d34a981e19804e71bb21c4e9", "productVersion": 1, "conditionOutcome": "pass" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null } ] }, { "productId": "80", "productName": "职享贷", "bankName": "深圳农商行", "productVersion": 1, "summary": "保留已有社保时长；仍需本单位连续缴存与目标单位资格。", "source": { "materialId": "credit-25", "sourceHeading": "深圳农商行—职享贷", "sourceParagraphs": [ { "paragraphNo": 204, "text": "深圳农商行—职享贷" }, { "paragraphNo": 205, "text": "户籍要求：大陆户籍。" }, { "paragraphNo": 206, "text": "年龄：24—60周岁。" }, { "paragraphNo": 207, "text": "额度：最高100万" }, { "paragraphNo": 208, "text": "期限：最长36期限。" }, { "paragraphNo": 209, "text": "利率：最低年化3.69%。" }, { "paragraphNo": 210, "text": "还款方式：①按月等额还本息；②按月付息，按月等额还本金；③按月付息，到期一次性还本(单笔贷款出账不超过12个月)；④按月付息，按月定额还本1.5%，余额到期结清。" }, { "paragraphNo": 211, "text": "申请条件目标客群：本单位连续缴存社保满1年（含以上)" }, { "paragraphNo": 212, "text": "①公务员、事业单位公职人员；" }, { "paragraphNo": 213, "text": "②工作于政策性银行、大型国有商业银行、全国性股份制银行、城市商业银行等深圳总部或深圳分支机构；③工作于民办医院或民办学校（小学、初中、高中），担任医务、教学岗位的职工；④工作于国企、央企或其全资控股子公司；⑤工作于沪深主板上市企业、华为技术有限公司、腾讯科技(深圳)有限公司或前述企业全资控股子公司；征信要求（建议）逾期情况：当前不能有逾期；近两年累计不能超过6次，最高逾期不超过“1”；征信查询：近半年不超过6次；负债要求（建议）：①信贷余额不能超过150万；②收入负债比不超55%；" }, { "paragraphNo": 214, "text": "" }, { "paragraphNo": 215, "text": "" } ], "sourceReference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-25" }, "originalProductConditionText": "户籍要求：大陆户籍。\n年龄：24—60周岁。\n额度：最高100万\n期限：最长36期限。\n利率：最低年化3.69%。\n还款方式：①按月等额还本息；②按月付息，按月等额还本金；③按月付息，到期一次性还本(单笔贷款出账不超过12个月)；④按月付息，按月定额还本1.5%，余额到期结清。\n申请条件目标客群：本单位连续缴存社保满1年（含以上)\n①公务员、事业单位公职人员；\n②工作于政策性银行、大型国有商业银行、全国性股份制银行、城市商业银行等深圳总部或深圳分支机构；③工作于民办医院或民办学校（小学、初中、高中），担任医务、教学岗位的职工；④工作于国企、央企或其全资控股子公司；⑤工作于沪深主板上市企业、华为技术有限公司、腾讯科技(深圳)有限公司或前述企业全资控股子公司；征信要求（建议）逾期情况：当前不能有逾期；近两年累计不能超过6次，最高逾期不超过“1”；征信查询：近半年不超过6次；负债要求（建议）：①信贷余额不能超过150万；②收入负债比不超55%；\n\n", "historicalEligibility": "unknown", "historicalScore": 80, "conditions": [ { "condition": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "kind": "hard", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "note": "" }, "originalManualCondition": { "id": "rule_qa_1", "label": "户籍要求", "operator": "eq", "value": "大陆户籍。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "" }, "historicalJudgment": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_1", "conditionHash": "7debc28d6634f122015de86019ed86f30bf058da639048be5b4e39898cecc7e2", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "户籍信息" ] }, "collectedFields": [], "verificationScope": "大陆户籍依据。", "review": "历史unknown合理。", "promptCoverage": [ "E3" ], "flags": [], "modelVisibleRelevantFields": [], "retainedButNotModelVisibleFields": [], "newModelOutcome": null }, { "condition": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "43d0a33d9f299391ce975b1a99242201a3b2be3bf36a48087cfb73b7224334af", "kind": "hard", "label": "单位及连续社保要求", "operator": "eq", "value": "本单位连续缴存社保满1年（含），并属于原文列明客群：公务员、事业单位公职人员；政策性银行、大型国有商业银行、全国性股份制银行、城市商业银行等的深圳总部或深圳分支机构职工；民办医院或民办学校（小学、初中、高中）的医务、教学岗位职工；国企、央企或其全资控股子公司职工；沪深主板上市企业、华为技术有限公司、腾讯科技（深圳）有限公司或前述企业全资控股子公司职工。企业控股范围按各条原文分别保留。", "valueMax": "", "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "originalManualCondition": { "id": "rule_qa_2", "label": "单位及连续社保要求", "operator": "eq", "value": "本单位连续缴存社保满1年（含），并属于原文列明客群：公务员、事业单位公职人员；政策性银行、大型国有商业银行、全国性股份制银行、城市商业银行等的深圳总部或深圳分支机构职工；民办医院或民办学校（小学、初中、高中）的医务、教学岗位职工；国企、央企或其全资控股子公司职工；沪深主板上市企业、华为技术有限公司、腾讯科技（深圳）有限公司或前述企业全资控股子公司职工。企业控股范围按各条原文分别保留。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "任一完整路径内条件同时满足；只需满足一条路径。并列要求按原文核对；原文尚不明确的子分支保留待核实，不自行补造组合关系。" }, "historicalJudgment": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_2", "conditionHash": "43d0a33d9f299391ce975b1a99242201a3b2be3bf36a48087cfb73b7224334af", "outcome": "unknown", "evidenceRefs": [], "missingFields": [ "单位性质", "本单位连续缴存社保时长" ] }, "collectedFields": [ "socialSecurity", "occupation", "company", "provinceCode" ], "verificationScope": "本单位连续社保满一年、具体单位／岗位／控股或深圳分支关系。", "review": "历史要求“本单位连续缴存社保时长”指向额外关系，区别于已填总体连续时长，不应简单删除；也不能让用户重填职业和单位名称。", "promptCoverage": [ "P1", "P3", "P4" ], "flags": [ "private_collected_not_model_visible", "employer_specific_not_total_duration" ], "modelVisibleRelevantFields": [ "socialSecurity", "provinceCode" ], "retainedButNotModelVisibleFields": [ "occupation", "company" ], "newModelOutcome": null }, { "condition": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "ae76d13da6189b795fa64535ca314730175034bcba558582f453ed5e24241fb3", "kind": "hard", "label": "年龄要求", "operator": "eq", "value": "24—60周岁。", "valueMax": "", "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "originalManualCondition": { "id": "rule_qa_3", "label": "年龄要求", "operator": "eq", "value": "24—60周岁。", "valueMax": "", "applicantTypes": [ "personal" ], "note": "资料不足或无核验依据时保留待核实，不判为不符。" }, "historicalJudgment": { "productId": "80", "productVersion": 1, "conditionId": "rule_qa_3", "conditionHash": "ae76d13da6189b795fa64535ca314730175034bcba558582f453ed5e24241fb3", "outcome": "pass", "evidenceRefs": [ "fact:age" ], "missingFields": [] }, "collectedFields": [ "age" ], "verificationScope": "无。", "review": "历史pass与年龄事实一致。", "promptCoverage": [ "E2" ], "flags": [], "modelVisibleRelevantFields": [ "age" ], "retainedButNotModelVisibleFields": [], "newModelOutcome": null } ], "templates": [ { "template": { "productId": "80", "productVersion": 1, "templateId": "template_qa_1", "templateHash": "f6e5c5d3d4b9881fb9683e3ca0975c13b86833c4bfed3794a14d230044d9dc8c", "ruleId": "rule_qa_2", "condition": "", "kind": "recommend", "text": "你的{X}符合职享贷的客群及缴存要求，可进一步核实申请资料。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_2", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "本单位连续缴存社保满1年（含），并属于原文列明客群：公务员、事业单位公职人员；政策性银行、大型国有商业银行、全国性股份制银行、城市商业银行等的深圳总部或深圳分支机构职工；民办医院或民办学校（小学、初中、高中）的医务、教学岗位职工；国企、央企或其全资控股子公司职工；沪深主板上市企业、华为技术有限公司、腾讯科技（深圳）有限公司或前述企业全资控股子公司职工。企业控股范围按各条原文分别保留。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "单位及连续社保要求", "unit": null }, "customConditionRef": "80|rule_qa_2" }, "historicalRaw": { "productId": "80", "productVersion": 1, "templateId": 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"63934274d33ed1fa08698be457f1703b2ade95ad4bb8b327bd1109701b2f2a5c", "productVersion": 1, "conditionOutcome": "unknown" }, "review": "仅按绑定条件及正文适用性展示；unknown不得写成已不符，pass不代表整款产品通过。", "newModelOutcome": null }, { "template": { "productId": "80", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "a9156e01d69e3ef22ee5b14c283dd15e72be8e7f8cceb577472d7a9e3e295868", "ruleId": "rule_qa_3", "condition": "", "kind": "caution", "text": "已确认你的{X}不符合职享贷的年龄要求，建议先核实该项后再考虑申请。", "placeholderCount": 1, "linkedCondition": { "ruleId": "rule_qa_3", "kind": "hard", "fieldRefs": [], "operator": "eq", "expected": "24—60周岁。", "outcome": "unknown", "source": "ai_self_reported", "requiredSource": null, "conditionLabel": "年龄要求", "unit": null }, "customConditionRef": "80|rule_qa_3" }, "historicalRaw": { "productId": "80", "productVersion": 1, "templateId": "template_qa_4", "templateHash": "a9156e01d69e3ef22ee5b14c283dd15e72be8e7f8cceb577472d7a9e3e295868", "conditionOutcome": "pass", "applicable": 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