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中国农业银行|科创贷(全国)

  • 2026-06-18 16:17:37
中国农业银行|科创贷(全国)

产品简介

额度：最高 8000 万元
期限：流贷≤3 年；固贷≤10 年
利率：LPR± 基点，普惠 / 科创优惠
担保：信用、抵押、质押、保证、政府增信

准入要求

资质：国家高新技术企业、专精特新（省 / 国家级）、科技型中小企业
经营：成立≥1 年，持续经营正常，有纳税 / 开票
研发：有研发投入、专利（发明 / 实用新型 / 软著）

征信要求

企业：近 3 年无逾期、欠息、垫款、关注及以上不良
实控人 / 法人：个人征信无当前逾期，近 2 年无连三累六，无大额未结失信被执行

准入地区

全国（除港澳台），县域及城区均可

注：具体以当地银行政策为准

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  3. 缓存信息 : 0 reads,0 writes
  4. 会话信息 : SESSION_ID=ed4767a15a3b6a9422579cdeb28d9522
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  1. CONNECT:[ UseTime:0.000497s ] mysql:host=127.0.0.1;port=3306;dbname=h_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000620s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000303s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000272s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000484s ]
  6. SELECT * FROM `set` [ RunTime:0.000195s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000568s ]
  8. SELECT * FROM `article` WHERE `id` = 543132 LIMIT 1 [ RunTime:0.003630s ]
  9. UPDATE `article` SET `lasttime` = 1782221373 WHERE `id` = 543132 [ RunTime:0.008370s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000294s ]
  11. SELECT * FROM `article` WHERE `id` < 543132 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000512s ]
  12. SELECT * FROM `article` WHERE `id` > 543132 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000392s ]
  13. SELECT * FROM `article` WHERE `id` < 543132 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001417s ]
  14. SELECT * FROM `article` WHERE `id` < 543132 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002577s ]
  15. SELECT * FROM `article` WHERE `id` < 543132 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000916s ]
0.093780s