hujun
e5406c23a6
修复匹配详情中“用户自填未经核验”等来源说明，清理未参与项的橙色注意提示，修正贷款统计口径文案；补充公积金完整可选路径提取逻辑，确保明确无额外时长要求的公积金分支可正确识别并通过。
3146 lines
137 KiB
JSON
3146 lines
137 KiB
JSON
{
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"schemaVersion": "credit-product-preparation-v1",
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"preparedOn": "2026-10-14",
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"purpose": "后20款产品本地复核和补充资料，供人工审阅；不是可直接执行的导入或发布配置。",
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"sourceFile": "docs/信用贷汇总.docx",
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"name": "优客分期",
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},
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{
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||
"name": "中银E贷",
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"latestRecordedProductId": 57
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},
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{
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"name": "随心智贷",
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"latestRecordedProductId": 58
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},
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{
|
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"name": "集团E贷",
|
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"latestRecordedProductId": 59
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},
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{
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"name": "网捷贷",
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"latestRecordedProductId": 60
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}
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],
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"historicalImportReceipt": "docs/产品材料/信用贷正式数据导入回执-20261009.json",
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"historicalRevisionReceipt": "docs/产品材料/信用贷正式数据修订回执-20261009-r2.json",
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"历史ID是查重线索，不代表本轮核对过当前线上状态。",
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"月利率乘12、期按月及通用冲突口径沿用2026-10-09已确认修订，不要求重新补造范围或有效期。",
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"任一进件路径内的条件同时满足；资料不足或分支关系未核实时，不生成不符合理由。",
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"原文建议保留建议，不自动升级为硬门槛；卡张数不等于发卡机构数，个人缴存额不等于缴存基数，授信期不等于单笔期限。",
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"理由仅为草案，全部未录入；使用前核对关联条件和正文适用性，{X}只填已有事实。",
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"不新增融资采集项、评分分值、银行保证或虚构联系方式。"
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{
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"materialId": "credit-06",
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"bankName": "农业银行",
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"productName": "乐分易",
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"preparationStatus": "local_review_only",
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"productId": 36,
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"statusAtImport": "draft",
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"paragraphStart": 43,
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{
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"text": "农业银行—乐分易"
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},
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{
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"paragraphNo": 44,
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"text": "额度：最高30万；"
|
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},
|
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{
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"paragraphNo": 45,
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"text": "期限：最长5年期。"
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{
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"paragraphNo": 46,
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"text": "还款方式：等额本息。"
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},
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{
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"paragraphNo": 47,
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"text": "年龄：18—60周岁。"
|
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},
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{
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"paragraphNo": 48,
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"text": "利率区间：月息2厘5。"
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},
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{
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"paragraphNo": 49,
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"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）："
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},
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{
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"paragraphNo": 50,
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"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。"
|
||
},
|
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{
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"paragraphNo": 51,
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"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。"
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},
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{
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"paragraphNo": 52,
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"productType": "信用融资",
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"maximumAmountWan": "30",
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"annualRateDisplay": "3%",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": "3.0000",
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 60,
|
||
"termDescription": "最长5年（60个月）。",
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||
"repaymentMethod": "等额本息。",
|
||
"ageAndHouseholdDescription": "18—60周岁；大陆户籍。",
|
||
"regionDescription": "原文未明确统一适用地区；深房是其中一条进件路径，不能据此将所有路径限定为深圳。",
|
||
"channelDescription": "农行网点建额、扫码审批，通过后绑卡消费；原文未给出承诺审批时长。",
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"bankLogo": null,
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"consultPhone": null
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},
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"conditionPreparation": {
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"entry": {
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"label": "客群及进件路径",
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"logic": "any",
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||
"paragraphs": [
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49,
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50
|
||
],
|
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"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
47
|
||
],
|
||
"text": "18—60周岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
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"creditSourceParagraphNos": [
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51
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],
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"condition": "客群及进件路径",
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"text": "你的{X}符合乐分易的一项完整进件路径，可按该路径进一步核实申请资料。",
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"sourceParagraphNos": [
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49,
|
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50
|
||
],
|
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"activation": "complete_path_pass"
|
||
},
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{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"text": "你的{X}符合乐分易的年龄要求，可作为进一步核对产品适用性的依据。",
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"sourceParagraphNos": [
|
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47
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],
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"activation": "condition_pass"
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},
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{
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"kind": "caution",
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"condition": "客群及进件路径",
|
||
"text": "已确认你的{X}未满足乐分易的任一进件路径，建议先核实适用客群后再考虑申请。",
|
||
"sourceParagraphNos": [
|
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49,
|
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50
|
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],
|
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"activation": "all_alternatives_fail"
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},
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{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
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||
"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。",
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"sourceParagraphNos": [
|
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47
|
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],
|
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"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
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"confirmedHistoricalConventions": [
|
||
"利率录入口径：月息2厘5=0.25%/月，乘12=3%。 用户指定月利率简单乘12，仅为本轮字段口径，不重算现金流综合年化或费用。"
|
||
],
|
||
"reviewNotes": [
|
||
"月息2厘5沿用已确认的简单乘12口径，录入年化3%，不重新要求补年化上限。",
|
||
"P51整段标注征信要求（建议），其中逾期、负债、查询口径先保留为建议，不直接新增拒绝条件。",
|
||
"第③条的个税／代发组合表述需核对执行细节；P51的“进一年”按原文保留。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 7,
|
||
"materialId": "credit-07",
|
||
"bankName": "建设银行",
|
||
"productName": "快贷",
|
||
"preparationStatus": "local_review_only",
|
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"historicalRecord": {
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"productId": 37,
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"lastDataRevision": "credit-20261009-r2",
|
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"statusAtImport": "draft",
|
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"currentServerRecordChecked": false,
|
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"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
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||
},
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"source": {
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"file": "docs/信用贷汇总.docx",
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"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
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"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-07",
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"paragraphStart": 53,
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{
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"paragraphNo": 53,
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"text": "建设银行-快贷"
|
||
},
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||
{
|
||
"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,
|
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"text": ""
|
||
}
|
||
]
|
||
},
|
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"basicFields": {
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||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "30",
|
||
"annualRateDisplay": "3.45%起",
|
||
"annualRateMinPercent": "3.4500",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "1年先息后本，或3年等额；是离散选项，不扩展为任意1—3年。",
|
||
"repaymentMethod": "等额本息、先息后本；按对应期限选择。",
|
||
"ageAndHouseholdDescription": "18—60周岁。",
|
||
"regionDescription": "原文未明确。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null,
|
||
"discreteLoanTermOptionsMonths": [
|
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12,
|
||
36
|
||
]
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "存量客户及进件要求",
|
||
"logic": "unconfirmed",
|
||
"paragraphs": [
|
||
58
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
58
|
||
],
|
||
"text": "18—60周岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
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|
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|
||
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|
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|
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|
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|
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"condition": "存量客户及进件要求",
|
||
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|
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"sourceParagraphNos": [
|
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|
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"kind": "caution",
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||
"condition": "年龄要求",
|
||
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"confirmedHistoricalConventions": [],
|
||
"reviewNotes": [
|
||
"原文总负债低于50%未给出分母和计算范围；不能拿贷款余额或当前信用卡使用率代替负债比。",
|
||
"“大多数低于30%的成功率高一些”为经验描述，不设成硬门槛或固定加分。",
|
||
"近6个月查询、贷款发放及信用卡开户记录的组合关系按原文保留，待核对后再配置。"
|
||
],
|
||
"notSupplied": [
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||
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||
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|
||
"完整申请资料清单"
|
||
]
|
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},
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{
|
||
"sourceItemNo": 8,
|
||
"materialId": "credit-08",
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||
"bankName": "建设银行",
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||
"productName": "建易贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
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|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
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},
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|
||
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|
||
{
|
||
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|
||
"text": "授信额度：最高100万；"
|
||
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|
||
{
|
||
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|
||
"text": "年化利率：最低3%； "
|
||
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|
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|
||
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|
||
},
|
||
{
|
||
"paragraphNo": 64,
|
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"text": "还款方式：先息后本，随借随还。"
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||
},
|
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{
|
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|
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"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。"
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|
||
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|
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|
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|
||
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|
||
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|
||
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|
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|
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|
||
},
|
||
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|
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|
||
"kind": "hard",
|
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|
||
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|
||
],
|
||
"text": "20—60周岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
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|
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"“近3个月6次”未明确比较符；“大数据良好”“无人法网不良信息”保留文字，不填虚构查询结论。"
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|
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},
|
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{
|
||
"paragraphNo": 68,
|
||
"text": "授信额度：最高30万， "
|
||
},
|
||
{
|
||
"paragraphNo": 69,
|
||
"text": "年化利率：0.18%/月；"
|
||
},
|
||
{
|
||
"paragraphNo": 70,
|
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"text": "还款期限：3-5年；"
|
||
},
|
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{
|
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"paragraphNo": 71,
|
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"text": "还款方式：等额本息。"
|
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},
|
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{
|
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"paragraphNo": 72,
|
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"text": "准入要求年龄：22-60周岁；进件要求：1.本地上班社保满12个月以上，社保基数4588以上；2.人行征信非白户，有1年征信记录。辅助提额资料:1房产；2.汽车行驶证满一年；3.优质单位或本科学历。授信倍数：1.社保满一年可授信收入12倍；2.社保满两年可授信收入24倍；3.两年以上社保加辅助证明可授信30倍。征信要求 ①信用卡机构数不超过3家；②近6个月所有信用卡使用额度不超过总授信额度的70%；③建行信用卡金额3个月使用率不能超过总额度70%；④历史逾期不得有M2及以上；⑤信用贷款不超过15万。"
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},
|
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{
|
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"paragraphNo": 73,
|
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|
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|
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"annualRateDisplay": "2.16%",
|
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"annualRateMinPercent": "2.1600",
|
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"annualRateMaxPercent": "2.1600",
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|
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"loanTermMaxMonths": 60,
|
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"termDescription": "3—5年（36—60个月）。",
|
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"repaymentMethod": "等额本息。",
|
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"regionDescription": "原文要求本地上班，但未给出“本地”的城市范围。",
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],
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"text": "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。"
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"text": "22—60周岁。"
|
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},
|
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|
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|
||
},
|
||
{
|
||
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|
||
"text": "授信额度：最高100万；"
|
||
},
|
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{
|
||
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|
||
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|
||
},
|
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{
|
||
"paragraphNo": 77,
|
||
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|
||
},
|
||
{
|
||
"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 "
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||
},
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"paragraphs": [
|
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78
|
||
],
|
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},
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|
||
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|
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|
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"creditAndDebtOriginal": "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",
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{
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{
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"text": "招商银行-闪电贷"
|
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},
|
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{
|
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"paragraphNo": 81,
|
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"text": "授信额度：最高50万；"
|
||
},
|
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{
|
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"paragraphNo": 82,
|
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"text": "年化利率：年化3%起；"
|
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},
|
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{
|
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"paragraphNo": 83,
|
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"text": "还款期限：最长7年；"
|
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},
|
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{
|
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"paragraphNo": 84,
|
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"text": "还款方式：先息后本或等额本息。"
|
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},
|
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{
|
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"paragraphNo": 85,
|
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"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。"
|
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},
|
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{
|
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"paragraphNo": 86,
|
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"text": ""
|
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}
|
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]
|
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},
|
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|
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|
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"productType": "信用融资",
|
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"maximumAmountWan": "50",
|
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|
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|
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|
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|
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|
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|
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|
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"consultPhone": null
|
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},
|
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"conditionPreparation": {
|
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"entry": {
|
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|
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"logic": "any",
|
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"paragraphs": [
|
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85
|
||
],
|
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"text": "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。"
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85
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|
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{
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"kind": "recommend",
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"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。",
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"sourceParagraphNos": [
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"activation": "all_alternatives_fail"
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},
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{
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"kind": "caution",
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|
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"reviewNotes": [
|
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"paragraphStart": 87,
|
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|
||
"paragraphs": [
|
||
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|
||
"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。"
|
||
},
|
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{
|
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"paragraphNo": 93,
|
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"text": ""
|
||
}
|
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]
|
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},
|
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|
||
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|
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|
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|
||
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|
||
"annualRateMinPercent": "3.0000",
|
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|
||
"loanTermMinMonths": 12,
|
||
"loanTermMaxMonths": 84,
|
||
"termDescription": "1—7年（12—84个月）。",
|
||
"repaymentMethod": "先息后本、随借随还、等额还款。",
|
||
"ageAndHouseholdDescription": "20—60周岁。",
|
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"regionDescription": "公积金基数由各地分行确定，原文未给完整准入地区。",
|
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"channelDescription": null,
|
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|
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|
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},
|
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"conditionPreparation": {
|
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"entry": {
|
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"label": "客群及非白户要求",
|
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"logic": "unconfirmed",
|
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"paragraphs": [
|
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92
|
||
],
|
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"text": "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。"
|
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},
|
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"secondaryReasonCondition": {
|
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"label": "年龄要求",
|
||
"kind": "hard",
|
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"paragraphs": [
|
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92
|
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],
|
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"text": "20—60周岁。"
|
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},
|
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"creditSourceParagraphNos": [
|
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92
|
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],
|
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"sourceParagraphNos": [
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|
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|
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|
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{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
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|
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92
|
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|
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|
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|
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"kind": "caution",
|
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|
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"kind": "caution",
|
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"confirmedHistoricalConventions": [
|
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|
||
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|
||
"reviewNotes": [
|
||
"标准版最高50万元，尊享版最高150万元只保留版别说明，沿用不拆产品的已确认口径。",
|
||
"沿用r2：当前无小额贷款余额为通用整理口径，机构数及微粒贷等例外保留原文，不自动扩展例外。",
|
||
"6个月查询小于10次、申请当月不超过4笔及“我行第10次”计数关系需核对；个人查询不计、担保资格查询计入。",
|
||
"原文授权中信查公积金／个税是银行进件要求，不表示本平台已获得或已执行外部查询授权。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 13,
|
||
"materialId": "credit-13",
|
||
"bankName": "中信银行",
|
||
"productName": "圆梦金",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 43,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-13",
|
||
"paragraphStart": 94,
|
||
"paragraphEnd": 100,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "30",
|
||
"annualRateDisplay": "7.66—16.24%",
|
||
"annualRateMinPercent": "7.6600",
|
||
"annualRateMaxPercent": "16.2400",
|
||
"loanTermMinMonths": 12,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "1—3年（12—36个月）。",
|
||
"repaymentMethod": "原文：先息后本、等额本息、随借随还；提前还款无违约金。",
|
||
"ageAndHouseholdDescription": "原文未明确统一年龄范围。",
|
||
"regionDescription": "房产路径涉及全国按揭或本地房产，未明确所有路径的统一城市范围。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "客群及收入证明路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
99
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "当前逾期要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
99
|
||
],
|
||
"text": "无当前逾期。"
|
||
},
|
||
"creditAndDebtOriginal": "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）。",
|
||
"creditSourceParagraphNos": [
|
||
99
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "客群及收入证明路径",
|
||
"text": "你的{X}符合圆梦金的一项完整进件路径，可按该路径进一步核实申请资料。",
|
||
"sourceParagraphNos": [
|
||
99
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "当前逾期要求",
|
||
"text": "你的{X}符合圆梦金的当前逾期要求，可作为进一步核对产品适用性的依据。",
|
||
"sourceParagraphNos": [
|
||
99
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "客群及收入证明路径",
|
||
"text": "已确认你的{X}未满足圆梦金的任一进件路径，建议先核实适用客群后再考虑申请。",
|
||
"sourceParagraphNos": [
|
||
99
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "当前逾期要求",
|
||
"text": "已确认你的{X}不符合圆梦金的当前逾期要求，建议先核实该项后再考虑申请。",
|
||
"sourceParagraphNos": [
|
||
99
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [],
|
||
"reviewNotes": [
|
||
"机关单位负债低于150万元，其他单位低于100万元；口径为信用卡已用额度＋贷款余额，不能合成统一150万元。",
|
||
"“代发或公积金基数8000以上”的代发收入与缴存基数分开保留，不能把两者等同。",
|
||
"产品名称与还款方式沿用原文，是否属于同一渠道的现行方案可后续核实；不据名称自行改产品类型。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 14,
|
||
"materialId": "credit-14",
|
||
"bankName": "交通银行",
|
||
"productName": "惠民贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 44,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-14",
|
||
"paragraphStart": 101,
|
||
"paragraphEnd": 107,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3—14.6%",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": "14.6000",
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 60,
|
||
"termDescription": "最长5年（60个月）；一年内先息后本；三年额度循环有效。单笔期限与循环期分开。",
|
||
"repaymentMethod": "一年内先息后本、随借随还；三年内额度循环，不提款不计息。",
|
||
"ageAndHouseholdDescription": "原文未明确统一年龄范围。",
|
||
"regionDescription": "原文表述全国，并列房产、公积金、社保、代发、车按揭等类别；具体地区开通情况未逐城说明。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "交行及其他进件路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
106
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "征信逾期通用口径",
|
||
"kind": "reference",
|
||
"paragraphs": [
|
||
106
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
|
||
"creditSourceParagraphNos": [
|
||
106
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "交行及其他进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
106
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "征信逾期通用口径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
106
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "交行及其他进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
106
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "征信逾期通用口径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
106
|
||
],
|
||
"activation": "confirmed_reference_mismatch"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"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。"
|
||
],
|
||
"reviewNotes": [
|
||
"沿用r2：近半年无1、近两年无2且不看两年外为通用整理口径，另一套年限与小金额例外保留原文。",
|
||
"优质单位150万元／普通单位80万元负债阈值及担保、农户贷、抵押按揭等排除范围需按原文分别核对。",
|
||
"普通客户两个月查询不超6次；交行存量和优质单位9次（含交行第9次）为分支，不混成统一9次。",
|
||
"不因同时存在5年借款与3年额度期而要求用户重新提供完整上下限。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 15,
|
||
"materialId": "credit-15",
|
||
"bankName": "浦发银行",
|
||
"productName": "浦闪贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 45,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-15",
|
||
"paragraphStart": 108,
|
||
"paragraphEnd": 118,
|
||
"paragraphs": [
|
||
{
|
||
"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,
|
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"text": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
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|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3%起",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 60,
|
||
"termDescription": "最长5年（60个月）。",
|
||
"repaymentMethod": "期限1年以上可选按月等额本金或按月等额本息；原文“本月等额本息”保留于逐段原文。",
|
||
"ageAndHouseholdDescription": "18—60岁。",
|
||
"regionDescription": "原文未明确。",
|
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"channelDescription": null,
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|
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"conditionPreparation": {
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|
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],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
109
|
||
],
|
||
"text": "18—60岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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",
|
||
"creditSourceParagraphNos": [
|
||
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|
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],
|
||
"sourceTextCompleteInParagraphs": true,
|
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"notAnExecutableRuleSet": true
|
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},
|
||
"materials": [],
|
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"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "公积金及银行往来要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
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|
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|
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|
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|
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|
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],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
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|
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],
|
||
"activation": "condition_pass"
|
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},
|
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{
|
||
"kind": "caution",
|
||
"condition": "公积金及银行往来要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
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|
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|
||
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|
||
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|
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|
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|
||
"activation": "confirmed_requirement_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
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|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"利率录入口径：原文3%起未标年/月，结合信用贷利率上下文按年化起点录入。 保留原文并记录本次取舍，不补造最高值。"
|
||
],
|
||
"reviewNotes": [
|
||
"“3%起”沿用r2按年化起点3%整理，上限留空。",
|
||
"原文未说明期限1年及以下对应还款方式，不从1年以上分支外推。",
|
||
"“两年无连三累六”保留资料术语，不把不同逾期等级和累计次数互相替换。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 16,
|
||
"materialId": "credit-16",
|
||
"bankName": "华夏银行",
|
||
"productName": "易达金",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 46,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-16",
|
||
"paragraphStart": 119,
|
||
"paragraphEnd": 125,
|
||
"paragraphs": [
|
||
{
|
||
"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,
|
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"text": ""
|
||
}
|
||
]
|
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},
|
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|
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|
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|
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|
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"annualRateDisplay": "4.8—9%",
|
||
"annualRateMinPercent": "4.8000",
|
||
"annualRateMaxPercent": "9.0000",
|
||
"loanTermMinMonths": 3,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "3—36期沿用已确认按月分期口径，为3—36个月；额度5年循环另行保留。",
|
||
"repaymentMethod": "等额还款。",
|
||
"ageAndHouseholdDescription": "原文未明确统一年龄范围；“90后”是原文加分描述，不是年龄准入下限。",
|
||
"regionDescription": "原文未明确。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
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"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
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"entry": {
|
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"label": "单位及收入社保路径",
|
||
"logic": "any",
|
||
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|
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|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "当前逾期要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
124
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"creditAndDebtOriginal": "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%。",
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|
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|
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|
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|
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|
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|
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{
|
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|
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|
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|
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"sourceParagraphNos": [
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|
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},
|
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{
|
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|
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|
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|
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|
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|
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},
|
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|
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|
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|
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|
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"sourceParagraphNos": [
|
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|
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|
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|
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|
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|
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|
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|
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"confirmedHistoricalConventions": [
|
||
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|
||
"利率录入口径：0.4—0.75%/月，乘12=4.8—9%。 用户指定月利率简单乘12，仅为本轮字段口径，不重算现金流综合年化或费用。"
|
||
],
|
||
"reviewNotes": [
|
||
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|
||
"房贷、学历、优质单位、保单、车等为未给定分值的有利因素；不新增平台分值。",
|
||
"负债原文为信贷月供＋信用卡10%小于认定收入80%，房贷不计；认定收入不自动等同填写月收入。",
|
||
"“女性同等条件批核比男性高”只是原文经验描述，不转成性别加分或准入规则。"
|
||
],
|
||
"notSupplied": [
|
||
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|
||
"机构Logo",
|
||
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|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 17,
|
||
"materialId": "credit-17",
|
||
"bankName": "邮储银行",
|
||
"productName": "邮享贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 47,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
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|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
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"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-17",
|
||
"paragraphStart": 126,
|
||
"paragraphEnd": 132,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
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|
||
"applicantType": "personal",
|
||
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|
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"annualRateDisplay": "3%起",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": 12,
|
||
"loanTermMaxMonths": 60,
|
||
"termDescription": "1—5年（12—60个月）。",
|
||
"repaymentMethod": "等额本息、先息后本。",
|
||
"ageAndHouseholdDescription": "原文未明确统一年龄范围。",
|
||
"regionDescription": "原文未明确。",
|
||
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"consultPhone": null
|
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},
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"conditionPreparation": {
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"entry": {
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"label": "单位及公积金要求",
|
||
"logic": "all",
|
||
"paragraphs": [
|
||
131
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
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"label": "当前逾期要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
131
|
||
],
|
||
"text": "不能有当前逾期。"
|
||
},
|
||
"creditAndDebtOriginal": "不能有当前逾期、累计逾期不超8次",
|
||
"creditSourceParagraphNos": [
|
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131
|
||
],
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"sourceTextCompleteInParagraphs": true,
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"notAnExecutableRuleSet": true
|
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},
|
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"materials": [
|
||
{
|
||
"name": "身份证",
|
||
"requirement": "原文申请资料",
|
||
"paragraphs": [
|
||
131
|
||
]
|
||
},
|
||
{
|
||
"name": "公积金缴存证明",
|
||
"requirement": "原文申请资料",
|
||
"paragraphs": [
|
||
131
|
||
]
|
||
}
|
||
],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "单位及公积金要求",
|
||
"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。",
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"sourceParagraphNos": [
|
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131
|
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],
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"activation": "complete_path_pass"
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{
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"kind": "recommend",
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"condition": "当前逾期要求",
|
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"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。",
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"sourceParagraphNos": [
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{
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"condition": "单位及公积金要求",
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"sourceParagraphNos": [
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131
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{
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"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。",
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"sourceParagraphNos": [
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"activation": "confirmed_requirement_fail"
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}
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],
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"confirmedHistoricalConventions": [],
|
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"reviewNotes": [
|
||
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||
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],
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"notSupplied": [
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},
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{
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"sourceItemNo": 18,
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"materialId": "credit-18",
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"productName": "诚易贷",
|
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"preparationStatus": "local_review_only",
|
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"lastDataRevision": "credit-20261009-r2",
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"statusAtImport": "draft",
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"currentServerRecordChecked": false,
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"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
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"source": {
|
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"file": "docs/信用贷汇总.docx",
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"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-18",
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"paragraphStart": 133,
|
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|
||
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|
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{
|
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"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "30",
|
||
"annualRateDisplay": "3.6—18%",
|
||
"annualRateMinPercent": "3.6000",
|
||
"annualRateMaxPercent": "18.0000",
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 60,
|
||
"termDescription": "最长60期沿用已确认按月等额本息口径，为最长60个月。",
|
||
"repaymentMethod": "等额本息、随借随还；提前还款无违约金。",
|
||
"ageAndHouseholdDescription": "原文未给统一年龄范围；新青年分支要求30周岁以下并有本科学历。",
|
||
"regionDescription": "原文多处使用本地／外地，但未列具体开通城市。",
|
||
"channelDescription": null,
|
||
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|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "上班族或生意族进件路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
138
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "当前逾期要求",
|
||
"kind": "hard",
|
||
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|
||
138
|
||
],
|
||
"text": "不能当前逾期。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
|
||
"creditSourceParagraphNos": [
|
||
138
|
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|
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|
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|
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|
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|
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|
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{
|
||
"kind": "recommend",
|
||
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|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
138
|
||
],
|
||
"activation": "complete_path_pass"
|
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|
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|
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|
||
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|
||
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|
||
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|
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138
|
||
],
|
||
"activation": "condition_pass"
|
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},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "上班族或生意族进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
138
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
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{
|
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"kind": "caution",
|
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"condition": "当前逾期要求",
|
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"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。",
|
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"sourceParagraphNos": [
|
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138
|
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],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"期限录入口径：最长60期按按月等额本息期限，录入最长60个月。"
|
||
],
|
||
"reviewNotes": [
|
||
"“生意族”仍按自然人经营者资料整理，不把借款主体自动改为企业。",
|
||
"养殖种植执照满三年与户籍／房产条件的组合关系需核对，不据此免除其他条件。",
|
||
"社保、公积金、个税、工资流水等为收入认定方式；未在原文指定统一收入门槛。",
|
||
"原文说明不设明确负债比／机构笔数，不能自行补阈值。",
|
||
"查询只看带“审”字，但一个月6次、三个月10次、半年15次未写比较符；保留口径待核对。"
|
||
],
|
||
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|
||
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|
||
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|
||
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|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 19,
|
||
"materialId": "credit-19",
|
||
"bankName": "光大银行",
|
||
"productName": "光速贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 49,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
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"file": "docs/信用贷汇总.docx",
|
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"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-19",
|
||
"paragraphStart": 140,
|
||
"paragraphEnd": 150,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "30",
|
||
"annualRateDisplay": "2.9—18%",
|
||
"annualRateMinPercent": "2.9000",
|
||
"annualRateMaxPercent": "18.0000",
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": null,
|
||
"termDescription": "授信期最长3年；单笔借款期限未提供，继续留空。",
|
||
"repaymentMethod": "等额本息、先息后本、随借随还。",
|
||
"ageAndHouseholdDescription": "22—60周岁；大陆户籍。",
|
||
"regionDescription": "有光大银行网点地区；不是无条件全国准入。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "光大往来及收入进件路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
147
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
142
|
||
],
|
||
"text": "22—60周岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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；",
|
||
"creditSourceParagraphNos": [
|
||
147,
|
||
148,
|
||
149
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
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|
||
},
|
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"materials": [],
|
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"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "光大往来及收入进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
147
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
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{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"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。",
|
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"sourceParagraphNos": [
|
||
142
|
||
],
|
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"activation": "condition_pass"
|
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},
|
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{
|
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"kind": "caution",
|
||
"condition": "光大往来及收入进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
147
|
||
],
|
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"activation": "all_alternatives_fail"
|
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},
|
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{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
142
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"当前采用口径：最长3年为授信期，单笔期限不据此推定，继续保留原文。"
|
||
],
|
||
"reviewNotes": [
|
||
"P146“提前还款违约金”后为空，不录入“无违约金”或0费用。",
|
||
"公积金社保连续12个月是否需要同时具备两者，保留原文并核对。",
|
||
"原文征信／余额／贷款笔数／信用卡使用率包含建议标签，不无条件升级为硬拒绝条件。",
|
||
"最长3年为授信期限的口径已确认，不再要求将其推成单笔3年。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 20,
|
||
"materialId": "credit-20",
|
||
"bankName": "华润银行",
|
||
"productName": "润薪贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 50,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-20",
|
||
"paragraphStart": 151,
|
||
"paragraphEnd": 166,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3.66%起",
|
||
"annualRateMinPercent": "3.6600",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 84,
|
||
"termDescription": "标准单笔最长7年（84个月）；额度10年属于授信／额度表述，分别保留。",
|
||
"repaymentMethod": "先息后本、等额本息。",
|
||
"ageAndHouseholdDescription": "23—60周岁，且年龄＋贷款期限＜61岁；大陆户籍。",
|
||
"regionDescription": "深圳、广州、珠海、东莞、佛山、惠州、中山、肇庆、江门。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "受薪客群及认定收入要求",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
157,
|
||
158,
|
||
159,
|
||
160,
|
||
161,
|
||
162
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄与贷款期限组合",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
153
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
|
||
"creditSourceParagraphNos": [
|
||
165
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "受薪客群及认定收入要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
157,
|
||
158,
|
||
159,
|
||
160,
|
||
161,
|
||
162
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄与贷款期限组合",
|
||
"text": "你的{X}符合润薪贷的年龄与贷款期限组合，可作为进一步核对产品适用性的依据。",
|
||
"sourceParagraphNos": [
|
||
153
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "受薪客群及认定收入要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
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|
||
158,
|
||
159,
|
||
160,
|
||
161,
|
||
162
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄与贷款期限组合",
|
||
"text": "已确认你的{X}不符合润薪贷的年龄与贷款期限组合，建议先核实该项后再考虑申请。",
|
||
"sourceParagraphNos": [
|
||
153
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"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。",
|
||
"利率录入口径：原文3.66%起未标年/月，结合信用贷利率上下文按年化起点录入。 保留原文并记录本次取舍，不补造最高值。"
|
||
],
|
||
"reviewNotes": [
|
||
"利息3.66%起沿用r2年化起点，上限留空。",
|
||
"“月认定收入×18×客群系数”和按职级定额未给完整系数／职级表，不计算或承诺可贷额度。",
|
||
"征信评分600分以上是资料中的外部评分要求，不与平台综合等级或匹配度混用。",
|
||
"负债比≤75%未给分母及核算方式，保留文字；客群⑤不得套用①②③的收入门槛。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 21,
|
||
"materialId": "credit-21",
|
||
"bankName": "华润银行",
|
||
"productName": "润秒贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 51,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-21",
|
||
"paragraphStart": 167,
|
||
"paragraphEnd": 174,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3.66%起",
|
||
"annualRateMinPercent": "3.6600",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 84,
|
||
"termDescription": "最长7年（84个月）；1年先息后本或3—7年等额本息。",
|
||
"repaymentMethod": "先息后本、等额本息、随借随还；与期限配套。",
|
||
"ageAndHouseholdDescription": "男22—60岁，女22—55岁；大陆户籍。",
|
||
"regionDescription": "广东省，或者广东省内手机号码；地域与号码条件为原文OR表述，具体认定方式待核对。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "上班族或自雇人士要求",
|
||
"logic": "unconfirmed",
|
||
"paragraphs": [
|
||
173
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "分性别年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
169
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"creditAndDebtOriginal": "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）",
|
||
"creditSourceParagraphNos": [
|
||
173
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
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|
||
},
|
||
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|
||
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|
||
{
|
||
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|
||
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|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
173
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "分性别年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
169
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "上班族或自雇人士要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
173
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "分性别年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
169
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"利率录入口径：原文3.66%起未标年/月，结合信用贷利率上下文按年化起点录入。 保留原文并记录本次取舍，不补造最高值。"
|
||
],
|
||
"reviewNotes": [
|
||
"利息3.66%起沿用r2年化起点，上限留空。",
|
||
"征信要求标注建议，抵押负债不看、信贷不超6笔且不超150万元保留为原文建议口径。",
|
||
"手机号码归属地不同于常住／工作城市；不能仅凭现有城市字段推定整个地区条件已满足。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 22,
|
||
"materialId": "credit-22",
|
||
"bankName": "徽商银行",
|
||
"productName": "徽享薪易贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 52,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-22",
|
||
"paragraphStart": 175,
|
||
"paragraphEnd": 184,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "20",
|
||
"annualRateDisplay": "3.1%起",
|
||
"annualRateMinPercent": "3.1000",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "最长3年（36个月）。",
|
||
"repaymentMethod": "等额本息、先息后本、随借随还；提前还款无违约金。",
|
||
"ageAndHouseholdDescription": "22—60岁；大陆户籍。",
|
||
"regionDescription": "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。",
|
||
"channelDescription": "线上申请、线上审批、线上放款。",
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "社保公积金或优质行业路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
183
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
176
|
||
],
|
||
"text": "22—60岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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",
|
||
"creditSourceParagraphNos": [
|
||
183
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "社保公积金或优质行业路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
183
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
176
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "社保公积金或优质行业路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
183
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
176
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [],
|
||
"reviewNotes": [
|
||
"原文“毫州市”疑似“亳州市”，原文与转录保持，不擅自替换地区代码。",
|
||
"多城市名单全部保留，不截成当前字典的少数城市。",
|
||
"非银小贷不能有4笔（含4笔），包含借呗和微粒贷；该口径不等于所有贷款总笔数。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 23,
|
||
"materialId": "credit-23",
|
||
"bankName": "徽商银行",
|
||
"productName": "鹏城e贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 53,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-23",
|
||
"paragraphStart": 185,
|
||
"paragraphEnd": 192,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3%",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": "3.0000",
|
||
"loanTermMinMonths": 12,
|
||
"loanTermMaxMonths": 84,
|
||
"termDescription": "1—7年（12—84个月）；先息后本最长3年。",
|
||
"repaymentMethod": "等额本息、先息后本、随借随还。",
|
||
"ageAndHouseholdDescription": "22—60岁；大陆户籍。",
|
||
"regionDescription": "仅限深圳。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "单位与公积金组合路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
191
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
186
|
||
],
|
||
"text": "22—60岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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。",
|
||
"creditSourceParagraphNos": [
|
||
191
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "单位与公积金组合路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
191
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
186
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "单位与公积金组合路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
191
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
186
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [],
|
||
"reviewNotes": [
|
||
"原文利率为年化3%单值，保留上下限同值，不改成“3%起”。",
|
||
"信用贷用信额度小于100万元属于原文建议，不单独作为硬拒绝条件。",
|
||
"基数门槛为严格大于6000／8000元，不改为大于等于。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 24,
|
||
"materialId": "credit-24",
|
||
"bankName": "民生银行",
|
||
"productName": "民易贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 54,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-24",
|
||
"paragraphStart": 193,
|
||
"paragraphEnd": 203,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "50",
|
||
"annualRateDisplay": "3%起",
|
||
"annualRateMinPercent": "3.0000",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "最长3年（36个月）；另有年龄与期限合计≤60岁约束。",
|
||
"repaymentMethod": "循环额度、随借随还。",
|
||
"ageAndHouseholdDescription": "22—60周岁，且年龄＋期限≤60岁。",
|
||
"regionDescription": "原文未明确统一城市范围。",
|
||
"channelDescription": "原文最高50万元：纯线上最高30万元，50万元需线下。原文“纯线上申请、秒出结果”为描述，不承诺实际时效。",
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "受薪身份及进件路径",
|
||
"logic": "any",
|
||
"paragraphs": [
|
||
197,
|
||
198,
|
||
199,
|
||
200,
|
||
201,
|
||
202
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄与贷款期限组合",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
197
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"creditAndDebtOriginal": "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",
|
||
"creditSourceParagraphNos": [
|
||
202
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "受薪身份及进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
197,
|
||
198,
|
||
199,
|
||
200,
|
||
201,
|
||
202
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄与贷款期限组合",
|
||
"text": "你的{X}符合民易贷的年龄与贷款期限组合，可作为进一步核对产品适用性的依据。",
|
||
"sourceParagraphNos": [
|
||
197
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "受薪身份及进件路径",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
197,
|
||
198,
|
||
199,
|
||
200,
|
||
201,
|
||
202
|
||
],
|
||
"activation": "all_alternatives_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄与贷款期限组合",
|
||
"text": "已确认你的{X}不符合民易贷的年龄与贷款期限组合，建议先核实该项后再考虑申请。",
|
||
"sourceParagraphNos": [
|
||
197
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"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。"
|
||
],
|
||
"reviewNotes": [
|
||
"沿用r2：最高50万元，线上30万元限制保留，不拆产品；推荐或解释时必须说明渠道差别。",
|
||
"军人、消防、学生、无业、退休、家庭主妇等职业禁入；证件到期≤180天及完整禁入号段见原文，不压缩遗漏。",
|
||
"有房信贷不超3笔／无房不超2笔为分支；信用负债＜100万元是严格小于。",
|
||
"非白名单12／18个月的适用分支原文未指明，当前资料不足以选择更宽条件。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
},
|
||
{
|
||
"sourceItemNo": 25,
|
||
"materialId": "credit-25",
|
||
"bankName": "深圳农商行",
|
||
"productName": "职享贷",
|
||
"preparationStatus": "local_review_only",
|
||
"historicalRecord": {
|
||
"productId": 55,
|
||
"lastDataRevision": "credit-20261009-r2",
|
||
"statusAtImport": "draft",
|
||
"currentServerRecordChecked": false,
|
||
"nextAction": "按机构、产品名、来源标记及历史ID核对现有记录，确认后补充；不得直接重复新增。"
|
||
},
|
||
"source": {
|
||
"file": "docs/信用贷汇总.docx",
|
||
"sha256": "bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf",
|
||
"reference": "user-doc:credit-20261009:sha256:bb11729b5a0f5fe56608be420f06fc720c23c1c16fa3ba8c83382a6e487e17bf:item-25",
|
||
"paragraphStart": 204,
|
||
"paragraphEnd": 215,
|
||
"paragraphs": [
|
||
{
|
||
"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": ""
|
||
}
|
||
]
|
||
},
|
||
"basicFields": {
|
||
"applicantType": "personal",
|
||
"productType": "信用融资",
|
||
"maximumAmountWan": "100",
|
||
"annualRateDisplay": "3.69%起",
|
||
"annualRateMinPercent": "3.6900",
|
||
"annualRateMaxPercent": null,
|
||
"loanTermMinMonths": null,
|
||
"loanTermMaxMonths": 36,
|
||
"termDescription": "“最长36期限”沿用已确认按月还款口径，为最长36个月；先息后本单笔出账≤12个月。",
|
||
"repaymentMethod": "①按月等额还本息；②按月付息、按月等额还本；③按月付息到期还本（单笔≤12个月）；④按月付息、按月定额还本1.5%，余额到期结清。",
|
||
"ageAndHouseholdDescription": "24—60周岁；大陆户籍。",
|
||
"regionDescription": "原文多项客群限定深圳总部或分支机构，但未明示全部客群的统一地区条件。",
|
||
"channelDescription": null,
|
||
"bankLogo": null,
|
||
"consultPhone": null
|
||
},
|
||
"conditionPreparation": {
|
||
"entry": {
|
||
"label": "单位及连续社保要求",
|
||
"logic": "all",
|
||
"paragraphs": [
|
||
211,
|
||
212,
|
||
213
|
||
],
|
||
"text": "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。"
|
||
},
|
||
"secondaryReasonCondition": {
|
||
"label": "年龄要求",
|
||
"kind": "hard",
|
||
"paragraphs": [
|
||
206
|
||
],
|
||
"text": "24—60周岁。"
|
||
},
|
||
"creditAndDebtOriginal": "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%；",
|
||
"creditSourceParagraphNos": [
|
||
213
|
||
],
|
||
"sourceTextCompleteInParagraphs": true,
|
||
"notAnExecutableRuleSet": true
|
||
},
|
||
"materials": [],
|
||
"reasonTemplateProposals": [
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "单位及连续社保要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
211,
|
||
212,
|
||
213
|
||
],
|
||
"activation": "complete_path_pass"
|
||
},
|
||
{
|
||
"kind": "recommend",
|
||
"condition": "年龄要求",
|
||
"text": "你的{X}符合职享贷的年龄要求，可作为进一步核对产品适用性的依据。",
|
||
"sourceParagraphNos": [
|
||
206
|
||
],
|
||
"activation": "condition_pass"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "单位及连续社保要求",
|
||
"text": "已确认你的{X}未达到职享贷的客群或缴存要求，建议核实对应条件后再考虑申请。",
|
||
"sourceParagraphNos": [
|
||
211,
|
||
212,
|
||
213
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
},
|
||
{
|
||
"kind": "caution",
|
||
"condition": "年龄要求",
|
||
"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。",
|
||
"sourceParagraphNos": [
|
||
206
|
||
],
|
||
"activation": "confirmed_requirement_fail"
|
||
}
|
||
],
|
||
"confirmedHistoricalConventions": [
|
||
"期限录入口径：“最长36期限”结合按月还款表述按最长36个月录入；先息后本单笔≤12个月例外仍保留原文。"
|
||
],
|
||
"reviewNotes": [
|
||
"原文征信及负债要求标注建议，信贷余额≤150万元、收入负债比≤55%不直接新增硬拒绝条件。",
|
||
"收入负债比未给具体分子分母；不能用平台当前还款负担率直接替代。",
|
||
"按月定额还本1.5%是还本金安排，不是月利率；年化利率仍按原文3.69%起。"
|
||
],
|
||
"notSupplied": [
|
||
"银行现行政策的独立核实记录",
|
||
"机构Logo",
|
||
"顾问联系电话",
|
||
"完整申请资料清单"
|
||
]
|
||
}
|
||
]
|
||
}
|