Not sure. You can get a loan with a tobacco certificate on some platforms. This was not possible before, but now based on big data and user portraits, you can accurately understand a person’s credit, plus some cigarette ordering platforms. For example, tobacco merchants such as Xin Yunlian have a good track record of purchasing goods. These are all evidence of a merchant's creditworthiness. Therefore, the traditional submission of various materials is omitted and efficiency is improved. Eventually, it will be possible to lend money online with just one tobacco certificate.

Currently there are not many tobacco loan products on the market, but they are growing rapidly, such as the tobacco loan that Jieiya cooperates with Xinyunlian, the tobacco loan of Aijin Group, the tobacco loan of China Merchants Union, etc., but Jieye Tobacco Loans are relatively new. The threshold is indeed a tobacco certificate. The model comes from bank funds rather than own funds, which is safer.

In order to implement and implement the "Measures for the Administration of Tobacco Monopoly Licenses" (National Development and Reform Commission Order No. 51) and improve the procedures for application and processing of relevant tobacco monopoly licenses, the "Tobacco Monopoly License Application" According to the "Tobacco Monopoly Law of the People's Republic of China", the "Administrative Licensing Law of the People's Republic of China", the "Regulations on the Implementation of the Tobacco Monopoly Law of the People's Republic of China" and the "Tobacco Monopoly Law" "License Management Measures" and other relevant laws, regulations and rules are formulated.

The procedure for applying for a tobacco license:

1. Application;

2. Acceptance; During the acceptance process, if the application materials are complete and comply with the legal form, or the application If a person submits all supplementary and corrected application materials as required, the county-level Tobacco Monopoly Bureau shall accept the application.

3. On-site inspection;

4. Review and approval;

5. Decision.

No money is required to apply for a tobacco license, it is completely free. However, the following conditions must be met to apply. To apply for a tobacco monopoly retail license, you must meet the following conditions:

(1) Have funds suitable for operating tobacco product retail business; (buying the company’s cigarettes requires money)

( 2) Have a fixed business location that is independent from your residence;

(3) Meet the requirements for a reasonable layout of local tobacco product retail outlets; (30-50 meters away from other licensed tobacco stores, generally stuck in If you can’t do it here, you may need to find someone you know)

(4) Other conditions stipulated by the tobacco monopoly administrative department of the State Council. Application materials include:

(1) Copy of ID card

(2) Copy of industrial and commercial business license

(3) Copy of appropriate financial certificate (Copy of passbook)

(4) One-inch photo

(5) Housing certificate (property certificate or lease agreement or housing certification materials issued by the street office) Other requirements are not high