银税贷

“银税贷”产品是浦发银行为依法纳税、经营稳定、信用记录良好的小微企业提供的线上化、纯信用的流动资金贷款产品，额度最高300万元，期限最长1年。

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<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">一、客户准入条件<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　1、企业注册成立且实际经营2年（含）以上，工信部标准下的且符合我行小企业金融服务中心专营范围内的小型、微型企业（不包括个体工商户）<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　2、注册地在高阳县内的企业<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　3、在我行开立公司结算账户<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　4、企业为一般纳税人<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　5、最近一次纳税信用等级评定为A或B级<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　6、距企业申请当日近24个月无税务稽查记录；企业近24个月不在严重违法行为；近24个月非主观故意的一般违法行为（含一般违法和其他违法）次数合计不超过4此<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　7、企业当前无欠税余额，12个月内产生税务滞纳金的次数不超过3次，近6个月不超过2次<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　8、企业可查询缴税历史满13个月，且最近12个月内零申报次数小于5次，连续零申报次数小于3次<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　9、企业实收资本不低于10万元<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　10、企业最近一期年报资产负债率不超过100%<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　11、企业最近12个月全部销售收入不低于80万元<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　12、企业最近12个月缴税总额不低于1万元<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　13、借款人及其实际控制人及其配偶在中国人民银行企业征信系统中经查询当前无逾期、欠息或垫款情况，近一年无不良信用记录<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　14、企业及其实际控制人及其配偶未列入法院失信被执行人名单<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">二、产品特点<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　1、产品名称：银税贷<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　2、贷款额度: 300万<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　3、总授信额度：300万<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　4、贷款期限：1-12月<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　5、担保方式：信用<p style="margin-bottom: 1em; line-height: 32px; color: rgb(42, 42, 49); font-size: 16px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";">　6、参考利率范围：4.35%-6.35%

银税贷

“银税贷”产品是浦发银行为依法纳税、经营稳定、信用记录良好的小微企业提供的线上化、纯信用的流动资金贷款产品，额度最高300万元，期限最长1年。

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