{"initialAttributedText":{"text":"此文档为巨量星图平台功能指导，巨量星图平台以下简称为平台\n \n*更新时间：2024.2.29\n*更新内容：巨量星图平台导航改版，本文部分图片相应更新，替换操作路径\n*\n*更新时间：2023.08.02\n*更新内容：退款界面改版优化，更新路径及替换部分截图\n*一、退款说明\n为便于客户更快速更便捷操作退款，平台支持客户在线上自助发起退款流程\n*二、退款流程\n发起退款➡️填写退款信息并提交➡️签署退款协议➡️平台审批➡️平台打款\n*1、发起退款\n*登录平台【点击头像】→【财务管理】→【申请退款】,页面将跳转至退款界面,首次跳转页面加载时间较长（预计1分钟左右）,请等待页面加载出信息或尝试多次跳转；\n* \n*2、填写退款信息并提交\n*进入退款界面后，填写退款信息时需先选择【账户余额退款】还是【充值未到账退款】。\n*账户余额退款：指星图账户中的全部现金余额（赠款余额不支持退款）\n*充值未到账退款：指线下对公转账但未成功充值到星图账户的资金，未充值成功退款只支持原路退回\n \n* 1）账户余额退款\n不支持部分退款；一个退款单只可针对一个星图账户余额进行退款申请\n* 第一步：退款校验\n*系统会校验账户纬度是否有重复提交，若本次提交账户存在未提交、审批中、审批通过未打款的退款单，则无法继续提交\n*账户余额本身为0,不可进行退款\n \n* 第二步：退款账户选择\n*拉取退款申请时选中的账户\n*若账户无现金余额，则该页面展示为空\n*冻结金额展示，如存在冻结金额（已有进行中退款或订单），则无法提交退款，需解冻后再进行退款申请（如取消订单等）\n \n* 第三步：退款方式选择及银行信息填写\n*选择退款账户类型后，系统会根据客户注册主体资质自动拉取并预填收款人账户信息\n*为加强客户账户资金安全，原则上，账户余额退款只允许退至客户自身账户。\n*除企业注销或工商更名外，如选择退至第三方收款账户需提供相应材料（建议在备注&附件中添加退至第三方原因，避免反复沟通），届时会增加退款审核时长\n*\n\n*系统会根据客户填写信息判断是否需签署退款协议，如系统判断需签署协议，则分以下两种情况：\n**\n* 第四步：联系人信息填写，阅读退款须知并提交\n*联系人&联系手机：请准确填写，退款进度将会通过短信通知到您\n*退款原因& 详细原因：请根据实际退款原因情况进行选择填写\n*填写后点击提交并确认\n \n* 2）充值未到账退款\n支持对线下对公转账但未充值成功的资金进行退款申请，未充值成功退款只支持原路退回\n* 第一步：打款凭证及信息上传\n*上传付款凭证后，系统会自动识别付款方、收款方、交易时间及金额等信息\n*部分开户行信息系统未进行维护，暂无法自动匹配的情况下辛苦您自行填写，可使用开户行行号进行查询，如果仍然查询不出来，可选择该支行的上一级城市支行\n*重新上传凭证系统会再次重新识别，请仔细核对收款信息以免系统识别错误\n注意：\n*暂时只支持一次提交一笔未充值资金流水退款，如有多笔需退回充值未到账资金请分次提交\n*收款人名称是指付款凭证上的收款方信息（平台的收款主体），如填写错误，在提交时系统会报错提示“【收款人名称】信息有误，请返回修改后重新提交” \n*如退至企业账户，且当前公司名称已进行工商变更，请选择【变更】，并填写变更后的账户名称，上传相关证明文件即可 \n*系统会根据提交信息自动匹配我司已收到的资金流水，如页面提示\"未找到相关付款记录\",请复核收付信息是否准确，信息无误情况下可点击【继续提交】\n \n* 第二步：联系人信息填写\n*联系人&联系电话：请准确填写，退款进度将会通过短信通知到您\n \n*3、签署退款协议\n*仅针对账户余额退款需签署退款确认函，未充值退款原路退回无需协议。\n* 1）选择【CA线上签章签署】\n*若您有CA认证，退款提交后，将收到签署短信（当前发送给退款时选择的CA签约手机），点击短信中的链接完成退款协议签署，链接有效期30天，也可在退款详情页点击【签署退款协议】,跳转到电子牵线上签署协议页面签署\n注意：\n*联系人手机仅能收到退款进度提醒，内容中无协议签署链接；CA认证人的手机中才能收到协议签署链接\n*退款协议同时支持在PC端签署，位置在【退款记录】→页面向右拉动【退款详情】中→【退款协议签署】\n \n* 2）选择【线下签署退款确认函】\n*若您未做CA认证，选择的【线下签署退款确认函】方式退款，则退款申请提交后，需要自行下载退款确认函，点击【签署退款协议】,下载协议签署并盖章，根据页面提示信息邮寄到指定地址，请使用顺丰快递到付及时寄回\n*点击【物流信息填写】同步快递单号，我司收到快递进行协议归档后进入【材料审核阶段】\n \n*4、平台审批&退款进度查询\n*退款协议签署完成，将进入审批环节，审批通过后将在15个工作日内进行打款\n*退款进度通过【点击头像】→【财务管理】→【退款记录】→页面向右拉动【退款详情】中查看进度\n* \n*\n以下为各审批节点含义与等待时间：\n*\n定义：\n审批驳回：客户需根据驳回理由上传相应附言/附件信息\n审批拒绝：若继续退款，客户需重新创建一次退款申请单\n*5、平台打款\n*若客户提交的收款信息无误，平台可正常打款成功。\n*若客户提交的收款信息存在账户名与卡号不符，或银行卡收款异常等情况，则需要更改收款信息。\n*如收到以下短信内容，请及时登录后台进行收款账户信息修改，变更为正确信息后再次等待系统进行打款。请勿修改为第三方账户信息，否则需重新签署协议，增加退款时长。\n*尊敬的客户，您的退款申请单#XXXXX# 打款失败（收款信息：#李*明#，#6225****2337#），请登录平台进入退款单详情页，自助发起收款账户变更流程。如遇问题，请联系客服咨询，感谢您的配合！\n* \n*三、常见问题\n*Q1、申请退款为什么没有选【线下签署退款函】的方式？\n若您已经完成了CA签章，则系统自动选用【CA线上签署签章】方式进行退款，与线下邮寄具有同等法律效力，退款更快\n*Q2、退款支持取消或者修改退款信息吗？\n*仅在退款函未签署之前支持您自助取消退款，取消后可重新发起退款。\n*取消位置：【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】里取消，若页面未展示取消退款，则当前环节已不支持取消。\n*如已签署协议后才发现收款账户填写错误，可等待打款失败后进行变更，补充协议即可。\n* \n*Q3、退款周期是多久？\n*退款周期分为两种情况：\n*选【CA线上签章签署】方式，预计7个工作日左右完成退款\n*选【线下签署退款确认函】方式，我方收到客户邮寄的退款函后+15个工作日左右完成退款\n*Q4、上传身份证照片可以加水印吗？\n可以添加水印，但水印内容：仅限巨量星图平台使用/平台退款使用，水印不可遮挡关键信息，也可不加水印\n*Q5、未充值成功退款可以退给指定账户吗？\n 除工商更名外，仅支持原路退回，暂不支持退给指定账号\n*Q6、退款被驳回了怎么办？\n进入退款详情页面，根据驳回原因修改后重新提交\n*Q7、能否同时申请多笔退款？\n*不支持部分退款，仅支持有一个进行中的退款\n*如有多笔充值都未到账情况，上传打款凭证一次只能一张，所以需分多次申请退款\n*Q8、申请退款时选了CA签章，电签时接收验证码的手机号和邮箱注销了，想更换如何操作？ \n若需要取消退款，登录平台→资质信息→CA认证中再新增一条CA记录，然后重提发起退款，签章时系统会向您最新的CA手机号上发送验证码\n*Q9、采用“线下签署退款函”方式退款，去哪里下载退款函？\n退款函下载位置【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】→【签署退款协议】\n* \n*Q10、选择【线下签署退款确认函】方式，需邮寄哪些材料？\n请按照如下内容准备退款材料\n*\n*Q11、选择【线下签署退款确认函】方式，退款函盖章后需邮寄到哪里？\n请根据签署退款协议时系统中给出的地址进行邮寄（如界面未显示具体地址，请联系客服咨询）\n*示例图如下\n* 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此文档为巨量星图平台功能指导，巨量星图平台以下简称为平台

一、退款说明

为便于客户更快速更便捷操作退款，平台支持客户在线上自助发起退款流程

二、退款流程

发起退款➡️填写退款信息并提交➡️签署退款协议➡️平台审批➡️平台打款

1、发起退款

登录平台【点击头像】→【财务管理】→【申请退款】,页面将跳转至退款界面,首次跳转页面加载时间较长（预计1分钟左右）,请等待页面加载出信息或尝试多次跳转；

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2、填写退款信息并提交

进入退款界面后，填写退款信息时需先选择【账户余额退款】还是【充值未到账退款】。

账户余额退款：指星图账户中的全部现金余额（赠款余额不支持退款）

充值未到账退款：指线下对公转账但未成功充值到星图账户的资金，未充值成功退款只支持原路退回

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1）账户余额退款

不支持部分退款；一个退款单只可针对一个星图账户余额进行退款申请

第一步：退款校验

系统会校验账户纬度是否有重复提交，若本次提交账户存在未提交、审批中、审批通过未打款的退款单，则无法继续提交

账户余额本身为0,不可进行退款

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第二步：退款账户选择

拉取退款申请时选中的账户

若账户无现金余额，则该页面展示为空

冻结金额展示，如存在冻结金额（已有进行中退款或订单），则无法提交退款，需解冻后再进行退款申请（如取消订单等）

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第三步：退款方式选择及银行信息填写

选择退款账户类型后，系统会根据客户注册主体资质自动拉取并预填收款人账户信息

为加强客户账户资金安全，原则上，账户余额退款只允许退至客户自身账户。

除企业注销或工商更名外，如选择退至第三方收款账户需提供相应材料（建议在备注&附件中添加退至第三方原因，避免反复沟通），届时会增加退款审核时长

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系统会根据客户填写信息判断是否需签署退款协议，如系统判断需签署协议，则分以下两种情况：

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第四步：联系人信息填写，阅读退款须知并提交

联系人&联系手机：请准确填写，退款进度将会通过短信通知到您

退款原因& 详细原因：请根据实际退款原因情况进行选择填写

填写后点击提交并确认

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2）充值未到账退款

支持对线下对公转账但未充值成功的资金进行退款申请，未充值成功退款只支持原路退回

第一步：打款凭证及信息上传

上传付款凭证后，系统会自动识别付款方、收款方、交易时间及金额等信息

部分开户行信息系统未进行维护，暂无法自动匹配的情况下辛苦您自行填写，可使用开户行行号进行查询，如果仍然查询不出来，可选择该支行的上一级城市支行

重新上传凭证系统会再次重新识别，请仔细核对收款信息以免系统识别错误

注意：

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第二步：联系人信息填写

联系人&联系电话：请准确填写，退款进度将会通过短信通知到您

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3、签署退款协议

仅针对账户余额退款需签署退款确认函，未充值退款原路退回无需协议。

1）选择【CA线上签章签署】

若您有CA认证，退款提交后，将收到签署短信（当前发送给退款时选择的CA签约手机），点击短信中的链接完成退款协议签署，链接有效期30天，也可在退款详情页点击【签署退款协议】,跳转到电子牵线上签署协议页面签署

注意：

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2）选择【线下签署退款确认函】

若您未做CA认证，选择的【线下签署退款确认函】方式退款，则退款申请提交后，需要自行下载退款确认函，点击【签署退款协议】,下载协议签署并盖章，根据页面提示信息邮寄到指定地址，请使用顺丰快递到付及时寄回

点击【物流信息填写】同步快递单号，我司收到快递进行协议归档后进入【材料审核阶段】

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4、平台审批&退款进度查询

退款协议签署完成，将进入审批环节，审批通过后将在15个工作日内进行打款

退款进度通过【点击头像】→【财务管理】→【退款记录】→页面向右拉动【退款详情】中查看进度

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以下为各审批节点含义与等待时间：

流程节点	退款单状态	涉及相关操作	各环节等待时间
用户发起退款	/	客户提交退款	/
平台受理退款资料	审核中	冻结账户余额合同前置判断系统自动生成退款协议（如需签署协议）	1min左右
发票红冲核验	审核中	巨量星图不涉及	以页面显示为准
退款协议签署	审核中	电子签（同时发送短信签约链接）签署协议查看已签署协议线下签下载退款协议回填物流单号取消退款	依赖客户操作时间如选择线下签署，退款时长相应增长
退款审核	审核中审批驳回	我司商务和财务同学进行退款材料及金额审核如审批驳回，可按照驳回原因补充材料并上传	预计1-3个工作日左右（如遇节假日可能会有单据积压请您耐心等待) 如发生审批驳回需提供材料则审核时长相应增长
退款打款	退款成功退款失败	如退款失败，可进行收款账户信息修改只变更收款账号，不变更收款主体，审批通过后可重新执行打款变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更	审批通过后，预计1-2个工作日
备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款

定义：

审批驳回：客户需根据驳回理由上传相应附言/附件信息

审批拒绝：若继续退款，客户需重新创建一次退款申请单

5、平台打款

若客户提交的收款信息无误，平台可正常打款成功。

若客户提交的收款信息存在账户名与卡号不符，或银行卡收款异常等情况，则需要更改收款信息。

如收到以下短信内容，请及时登录后台进行收款账户信息修改，变更为正确信息后再次等待系统进行打款。请勿修改为第三方账户信息，否则需重新签署协议，增加退款时长。

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三、常见问题

Q1、申请退款为什么没有选【线下签署退款函】的方式？

若您已经完成了CA签章，则系统自动选用【CA线上签署签章】方式进行退款，与线下邮寄具有同等法律效力，退款更快

Q2、退款支持取消或者修改退款信息吗？

仅在退款函未签署之前支持您自助取消退款，取消后可重新发起退款。

取消位置：【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】里取消，若页面未展示取消退款，则当前环节已不支持取消。

如已签署协议后才发现收款账户填写错误，可等待打款失败后进行变更，补充协议即可。

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Q3、退款周期是多久？

退款周期分为两种情况：

选【CA线上签章签署】方式，预计7个工作日左右完成退款

选【线下签署退款确认函】方式，我方收到客户邮寄的退款函后+15个工作日左右完成退款

Q4、上传身份证照片可以加水印吗？

可以添加水印，但水印内容：仅限巨量星图平台使用/平台退款使用，水印不可遮挡关键信息，也可不加水印

Q5、未充值成功退款可以退给指定账户吗？

除工商更名外，仅支持原路退回，暂不支持退给指定账号

Q6、退款被驳回了怎么办？

进入退款详情页面，根据驳回原因修改后重新提交

Q7、能否同时申请多笔退款？

不支持部分退款，仅支持有一个进行中的退款

如有多笔充值都未到账情况，上传打款凭证一次只能一张，所以需分多次申请退款

Q8、申请退款时选了CA签章，电签时接收验证码的手机号和邮箱注销了，想更换如何操作？

若需要取消退款，登录平台→资质信息→CA认证中再新增一条CA记录，然后重提发起退款，签章时系统会向您最新的CA手机号上发送验证码

Q9、采用“线下签署退款函”方式退款，去哪里下载退款函？

退款函下载位置【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】→【签署退款协议】

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Q10、选择【线下签署退款确认函】方式，需邮寄哪些材料？

请按照如下内容准备退款材料

客户类型	退款账户类型	材料准备
企业客户	对公账户	（1）邮寄加盖对应主体公章的《退款确认函》原件
	个人账户	（1）邮寄加盖对应主体公章的《退款确认函》原件
个人客户（含个体工商户、律师、房产经纪人）	经营者/客户本人账户	（1）如果有公章，需邮寄加盖对应主体公章的《退款确认函》（2）如果无公章，需邮寄经营者/客户本人手写签字+按手印的《退款确认函》
	第三方个人账户	个人主体不支持退第三方

Q11、选择【线下签署退款确认函】方式，退款函盖章后需邮寄到哪里？

请根据签署退款协议时系统中给出的地址进行邮寄（如界面未显示具体地址，请联系客服咨询）

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","version":"1.0.43","content":"

此文档为巨量星图平台功能指导，巨量星图平台以下简称为平台

一、退款说明

为便于客户更快速更便捷操作退款，平台支持客户在线上自助发起退款流程

二、退款流程

发起退款➡️填写退款信息并提交➡️签署退款协议➡️平台审批➡️平台打款

1、发起退款

登录平台【点击头像】→【财务管理】→【申请退款】,页面将跳转至退款界面,首次跳转页面加载时间较长（预计1分钟左右）,请等待页面加载出信息或尝试多次跳转；

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2、填写退款信息并提交

进入退款界面后，填写退款信息时需先选择【账户余额退款】还是【充值未到账退款】。

账户余额退款：指星图账户中的全部现金余额（赠款余额不支持退款）

充值未到账退款：指线下对公转账但未成功充值到星图账户的资金，未充值成功退款只支持原路退回

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1）账户余额退款

不支持部分退款；一个退款单只可针对一个星图账户余额进行退款申请

第一步：退款校验

系统会校验账户纬度是否有重复提交，若本次提交账户存在未提交、审批中、审批通过未打款的退款单，则无法继续提交

账户余额本身为0,不可进行退款

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第二步：退款账户选择

拉取退款申请时选中的账户

若账户无现金余额，则该页面展示为空

冻结金额展示，如存在冻结金额（已有进行中退款或订单），则无法提交退款，需解冻后再进行退款申请（如取消订单等）

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第三步：退款方式选择及银行信息填写

选择退款账户类型后，系统会根据客户注册主体资质自动拉取并预填收款人账户信息

为加强客户账户资金安全，原则上，账户余额退款只允许退至客户自身账户。

除企业注销或工商更名外，如选择退至第三方收款账户需提供相应材料（建议在备注&附件中添加退至第三方原因，避免反复沟通），届时会增加退款审核时长

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系统会根据客户填写信息判断是否需签署退款协议，如系统判断需签署协议，则分以下两种情况：

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第四步：联系人信息填写，阅读退款须知并提交

联系人&联系手机：请准确填写，退款进度将会通过短信通知到您

退款原因& 详细原因：请根据实际退款原因情况进行选择填写

填写后点击提交并确认

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2）充值未到账退款

支持对线下对公转账但未充值成功的资金进行退款申请，未充值成功退款只支持原路退回

第一步：打款凭证及信息上传

上传付款凭证后，系统会自动识别付款方、收款方、交易时间及金额等信息

部分开户行信息系统未进行维护，暂无法自动匹配的情况下辛苦您自行填写，可使用开户行行号进行查询，如果仍然查询不出来，可选择该支行的上一级城市支行

重新上传凭证系统会再次重新识别，请仔细核对收款信息以免系统识别错误

注意：

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第二步：联系人信息填写

联系人&联系电话：请准确填写，退款进度将会通过短信通知到您

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3、签署退款协议

仅针对账户余额退款需签署退款确认函，未充值退款原路退回无需协议。

1）选择【CA线上签章签署】

若您有CA认证，退款提交后，将收到签署短信（当前发送给退款时选择的CA签约手机），点击短信中的链接完成退款协议签署，链接有效期30天，也可在退款详情页点击【签署退款协议】,跳转到电子牵线上签署协议页面签署

注意：

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2）选择【线下签署退款确认函】

若您未做CA认证，选择的【线下签署退款确认函】方式退款，则退款申请提交后，需要自行下载退款确认函，点击【签署退款协议】,下载协议签署并盖章，根据页面提示信息邮寄到指定地址，请使用顺丰快递到付及时寄回

点击【物流信息填写】同步快递单号，我司收到快递进行协议归档后进入【材料审核阶段】

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4、平台审批&退款进度查询

退款协议签署完成，将进入审批环节，审批通过后将在15个工作日内进行打款

退款进度通过【点击头像】→【财务管理】→【退款记录】→页面向右拉动【退款详情】中查看进度

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以下为各审批节点含义与等待时间：

流程节点	退款单状态	涉及相关操作	各环节等待时间
用户发起退款	/	客户提交退款	/
平台受理退款资料	审核中	冻结账户余额合同前置判断系统自动生成退款协议（如需签署协议）	1min左右
发票红冲核验	审核中	巨量星图不涉及	以页面显示为准
退款协议签署	审核中	电子签（同时发送短信签约链接）签署协议查看已签署协议线下签下载退款协议回填物流单号取消退款	依赖客户操作时间如选择线下签署，退款时长相应增长
退款审核	审核中审批驳回	我司商务和财务同学进行退款材料及金额审核如审批驳回，可按照驳回原因补充材料并上传	预计1-3个工作日左右（如遇节假日可能会有单据积压请您耐心等待) 如发生审批驳回需提供材料则审核时长相应增长
退款打款	退款成功退款失败	如退款失败，可进行收款账户信息修改只变更收款账号，不变更收款主体，审批通过后可重新执行打款变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更	审批通过后，预计1-2个工作日
备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款

定义：

审批驳回：客户需根据驳回理由上传相应附言/附件信息

审批拒绝：若继续退款，客户需重新创建一次退款申请单

5、平台打款

若客户提交的收款信息无误，平台可正常打款成功。

若客户提交的收款信息存在账户名与卡号不符，或银行卡收款异常等情况，则需要更改收款信息。

如收到以下短信内容，请及时登录后台进行收款账户信息修改，变更为正确信息后再次等待系统进行打款。请勿修改为第三方账户信息，否则需重新签署协议，增加退款时长。

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三、常见问题

Q1、申请退款为什么没有选【线下签署退款函】的方式？

若您已经完成了CA签章，则系统自动选用【CA线上签署签章】方式进行退款，与线下邮寄具有同等法律效力，退款更快

Q2、退款支持取消或者修改退款信息吗？

仅在退款函未签署之前支持您自助取消退款，取消后可重新发起退款。

取消位置：【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】里取消，若页面未展示取消退款，则当前环节已不支持取消。

如已签署协议后才发现收款账户填写错误，可等待打款失败后进行变更，补充协议即可。

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Q3、退款周期是多久？

退款周期分为两种情况：

选【CA线上签章签署】方式，预计7个工作日左右完成退款

选【线下签署退款确认函】方式，我方收到客户邮寄的退款函后+15个工作日左右完成退款

Q4、上传身份证照片可以加水印吗？

可以添加水印，但水印内容：仅限巨量星图平台使用/平台退款使用，水印不可遮挡关键信息，也可不加水印

Q5、未充值成功退款可以退给指定账户吗？

除工商更名外，仅支持原路退回，暂不支持退给指定账号

Q6、退款被驳回了怎么办？

进入退款详情页面，根据驳回原因修改后重新提交

Q7、能否同时申请多笔退款？

不支持部分退款，仅支持有一个进行中的退款

如有多笔充值都未到账情况，上传打款凭证一次只能一张，所以需分多次申请退款

Q8、申请退款时选了CA签章，电签时接收验证码的手机号和邮箱注销了，想更换如何操作？

若需要取消退款，登录平台→资质信息→CA认证中再新增一条CA记录，然后重提发起退款，签章时系统会向您最新的CA手机号上发送验证码

Q9、采用“线下签署退款函”方式退款，去哪里下载退款函？

退款函下载位置【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】→【签署退款协议】

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Q10、选择【线下签署退款确认函】方式，需邮寄哪些材料？

请按照如下内容准备退款材料

客户类型	退款账户类型	材料准备
企业客户	对公账户	（1）邮寄加盖对应主体公章的《退款确认函》原件
	个人账户	（1）邮寄加盖对应主体公章的《退款确认函》原件
个人客户（含个体工商户、律师、房产经纪人）	经营者/客户本人账户	（1）如果有公章，需邮寄加盖对应主体公章的《退款确认函》（2）如果无公章，需邮寄经营者/客户本人手写签字+按手印的《退款确认函》
	第三方个人账户	个人主体不支持退第三方

Q11、选择【线下签署退款确认函】方式，退款函盖章后需邮寄到哪里？

请根据签署退款协议时系统中给出的地址进行邮寄（如界面未显示具体地址，请联系客服咨询）

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\n","xr1au2ea2qnmfc7phnzm68m2iz9w279vh3sxc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*依赖客户操作时间\n*如选择线下签署，退款时长相应增长\n","xr1iubqbddic4ge6kiutpeaf7lqvmc0w2zjxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*我司商务和财务同学进行退款材料及金额审核\n*如审批驳回，可按照驳回原因补充材料并上传\n","xr1s202jev1qoial10eedcpi59ku4ukaed8xc12yei0k9z1w7mwls5kdy0qanwk921yh78":"*无CA情况\n*如您未申请CA签章，可选择【采用CA签章签署退款协议】，跳转到资质认证模块，先完成申请CA签章，再进行退款申请\n*也可选择【采用线下签署退款协议】，自行下载退款确认函模板，加盖公章并邮寄\n\n","xr1lyhtgejidg3pyi3il0jwy9qhnwotmvhgxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*预计1-3个工作日左右（如遇节假日可能会有单据积压请您耐心等待)\n*如发生审批驳回需提供材料则审核时长相应增长\n","xr13n72rqqzygg9tmuvr5yh0doit1jgtmccxc1cuz9k8nj2hb2aw4tm0qfe2fn2hi8rrub":"*仅支持退至企业/已完成对公认证银行账户\n*收款账户名称=企业开户资质名称\n","xr13bbrvb24rnnj0p4wfdhmme19892uyuqlxc1b897sj00yvorm3hs5be59kgn0nujwbyo":"*个人\n","xr1lcrjetwwm8vd8zsrclqsswmmstfb092vxc1jqhuu9f98j8auu91t2on9m686yknvjr5":"\n","xr13ao6lqii00vhk1qi9wfvkhr9iui9wangxc1c8ep9fgzd51q1dbldv4vuls9lynwzekj":"*无CA情况\n*如您未申请CA签章，可选择【采用CA签章签署退款协议】，跳转到资质认证模块，先完成申请CA签章，再进行退款申请\n*也可选择【采用线下签署退款协议】，自行下载退款确认函模板，加盖公章并邮寄\n \n\n","xr1nndsol387ogzk8n9q50319sj4rellranxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*退款打款\n","xr1lyhtgejidg3pyi3il0jwy9qhnwotmvhgxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*我司商务和财务同学进行退款材料及金额审核\n*如审批驳回，可按照驳回原因补充材料并上传\n","xr1hnmhlcwfb6gdchg6pif7e76i62lanaisxc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*冻结账户余额\n*合同前置判断\n*系统自动生成退款协议（如需签署协议）\n","xr1m6cejd2r2qaqmgmblv282r7u85jc6aq2xc1d73bzepqgt00dzpn3g52n3p2wku13uwn":"涉及相关操作 \n","xr1p9bt6un15cqzc9ruehk8frppkduztw4oxc14vdngh0bfrfh3p654pliirw5prev2dwj":"材料准备\n","xr1urfii2w7893bv43zc860pu9sdwcmk427xc18y6jfrgts5iwby82wr353gjhho0fwfej":"*\n","0":"此文档为巨量星图平台功能指导，巨量星图平台以下简称为平台\n \n*更新时间：2024.2.29\n*更新内容：巨量星图平台导航改版，本文部分图片相应更新，替换操作路径\n*\n*更新时间：2023.08.02\n*更新内容：退款界面改版优化，更新路径及替换部分截图\n*一、退款说明\n为便于客户更快速更便捷操作退款，平台支持客户在线上自助发起退款流程\n*二、退款流程\n发起退款➡️填写退款信息并提交➡️签署退款协议➡️平台审批➡️平台打款\n*1、发起退款\n*登录平台【点击头像】→【财务管理】→【申请退款】,页面将跳转至退款界面,首次跳转页面加载时间较长（预计1分钟左右）,请等待页面加载出信息或尝试多次跳转；\n* \n*2、填写退款信息并提交\n*进入退款界面后，填写退款信息时需先选择【账户余额退款】还是【充值未到账退款】。\n*账户余额退款：指星图账户中的全部现金余额（赠款余额不支持退款）\n*充值未到账退款：指线下对公转账但未成功充值到星图账户的资金，未充值成功退款只支持原路退回\n \n* 1）账户余额退款\n不支持部分退款；一个退款单只可针对一个星图账户余额进行退款申请\n* 第一步：退款校验\n*系统会校验账户纬度是否有重复提交，若本次提交账户存在未提交、审批中、审批通过未打款的退款单，则无法继续提交\n*账户余额本身为0,不可进行退款\n \n* 第二步：退款账户选择\n*拉取退款申请时选中的账户\n*若账户无现金余额，则该页面展示为空\n*冻结金额展示，如存在冻结金额（已有进行中退款或订单），则无法提交退款，需解冻后再进行退款申请（如取消订单等）\n \n* 第三步：退款方式选择及银行信息填写\n*选择退款账户类型后，系统会根据客户注册主体资质自动拉取并预填收款人账户信息\n*为加强客户账户资金安全，原则上，账户余额退款只允许退至客户自身账户。\n*除企业注销或工商更名外，如选择退至第三方收款账户需提供相应材料（建议在备注&附件中添加退至第三方原因，避免反复沟通），届时会增加退款审核时长\n*\n\n*系统会根据客户填写信息判断是否需签署退款协议，如系统判断需签署协议，则分以下两种情况：\n**\n* 第四步：联系人信息填写，阅读退款须知并提交\n*联系人&联系手机：请准确填写，退款进度将会通过短信通知到您\n*退款原因& 详细原因：请根据实际退款原因情况进行选择填写\n*填写后点击提交并确认\n \n* 2）充值未到账退款\n支持对线下对公转账但未充值成功的资金进行退款申请，未充值成功退款只支持原路退回\n* 第一步：打款凭证及信息上传\n*上传付款凭证后，系统会自动识别付款方、收款方、交易时间及金额等信息\n*部分开户行信息系统未进行维护，暂无法自动匹配的情况下辛苦您自行填写，可使用开户行行号进行查询，如果仍然查询不出来，可选择该支行的上一级城市支行\n*重新上传凭证系统会再次重新识别，请仔细核对收款信息以免系统识别错误\n注意：\n*暂时只支持一次提交一笔未充值资金流水退款，如有多笔需退回充值未到账资金请分次提交\n*收款人名称是指付款凭证上的收款方信息（平台的收款主体），如填写错误，在提交时系统会报错提示“【收款人名称】信息有误，请返回修改后重新提交” \n*如退至企业账户，且当前公司名称已进行工商变更，请选择【变更】，并填写变更后的账户名称，上传相关证明文件即可 \n*系统会根据提交信息自动匹配我司已收到的资金流水，如页面提示\"未找到相关付款记录\",请复核收付信息是否准确，信息无误情况下可点击【继续提交】\n \n* 第二步：联系人信息填写\n*联系人&联系电话：请准确填写，退款进度将会通过短信通知到您\n \n*3、签署退款协议\n*仅针对账户余额退款需签署退款确认函，未充值退款原路退回无需协议。\n* 1）选择【CA线上签章签署】\n*若您有CA认证，退款提交后，将收到签署短信（当前发送给退款时选择的CA签约手机），点击短信中的链接完成退款协议签署，链接有效期30天，也可在退款详情页点击【签署退款协议】,跳转到电子牵线上签署协议页面签署\n注意：\n*联系人手机仅能收到退款进度提醒，内容中无协议签署链接；CA认证人的手机中才能收到协议签署链接\n*退款协议同时支持在PC端签署，位置在【退款记录】→页面向右拉动【退款详情】中→【退款协议签署】\n \n* 2）选择【线下签署退款确认函】\n*若您未做CA认证，选择的【线下签署退款确认函】方式退款，则退款申请提交后，需要自行下载退款确认函，点击【签署退款协议】,下载协议签署并盖章，根据页面提示信息邮寄到指定地址，请使用顺丰快递到付及时寄回\n*点击【物流信息填写】同步快递单号，我司收到快递进行协议归档后进入【材料审核阶段】\n \n*4、平台审批&退款进度查询\n*退款协议签署完成，将进入审批环节，审批通过后将在15个工作日内进行打款\n*退款进度通过【点击头像】→【财务管理】→【退款记录】→页面向右拉动【退款详情】中查看进度\n* \n*\n以下为各审批节点含义与等待时间：\n*\n定义：\n审批驳回：客户需根据驳回理由上传相应附言/附件信息\n审批拒绝：若继续退款，客户需重新创建一次退款申请单\n*5、平台打款\n*若客户提交的收款信息无误，平台可正常打款成功。\n*若客户提交的收款信息存在账户名与卡号不符，或银行卡收款异常等情况，则需要更改收款信息。\n*如收到以下短信内容，请及时登录后台进行收款账户信息修改，变更为正确信息后再次等待系统进行打款。请勿修改为第三方账户信息，否则需重新签署协议，增加退款时长。\n*尊敬的客户，您的退款申请单#XXXXX# 打款失败（收款信息：#李*明#，#6225****2337#），请登录平台进入退款单详情页，自助发起收款账户变更流程。如遇问题，请联系客服咨询，感谢您的配合！\n* \n*三、常见问题\n*Q1、申请退款为什么没有选【线下签署退款函】的方式？\n若您已经完成了CA签章，则系统自动选用【CA线上签署签章】方式进行退款，与线下邮寄具有同等法律效力，退款更快\n*Q2、退款支持取消或者修改退款信息吗？\n*仅在退款函未签署之前支持您自助取消退款，取消后可重新发起退款。\n*取消位置：【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】里取消，若页面未展示取消退款，则当前环节已不支持取消。\n*如已签署协议后才发现收款账户填写错误，可等待打款失败后进行变更，补充协议即可。\n* \n*Q3、退款周期是多久？\n*退款周期分为两种情况：\n*选【CA线上签章签署】方式，预计7个工作日左右完成退款\n*选【线下签署退款确认函】方式，我方收到客户邮寄的退款函后+15个工作日左右完成退款\n*Q4、上传身份证照片可以加水印吗？\n可以添加水印，但水印内容：仅限巨量星图平台使用/平台退款使用，水印不可遮挡关键信息，也可不加水印\n*Q5、未充值成功退款可以退给指定账户吗？\n 除工商更名外，仅支持原路退回，暂不支持退给指定账号\n*Q6、退款被驳回了怎么办？\n进入退款详情页面，根据驳回原因修改后重新提交\n*Q7、能否同时申请多笔退款？\n*不支持部分退款，仅支持有一个进行中的退款\n*如有多笔充值都未到账情况，上传打款凭证一次只能一张，所以需分多次申请退款\n*Q8、申请退款时选了CA签章，电签时接收验证码的手机号和邮箱注销了，想更换如何操作？ \n若需要取消退款，登录平台→资质信息→CA认证中再新增一条CA记录，然后重提发起退款，签章时系统会向您最新的CA手机号上发送验证码\n*Q9、采用“线下签署退款函”方式退款，去哪里下载退款函？\n退款函下载位置【设置】→【财务管理】→【退款记录】→页面向右拉动【退款详情】→【签署退款协议】\n* \n*Q10、选择【线下签署退款确认函】方式，需邮寄哪些材料？\n请按照如下内容准备退款材料\n*\n*Q11、选择【线下签署退款确认函】方式，退款函盖章后需邮寄到哪里？\n请根据签署退款协议时系统中给出的地址进行邮寄（如界面未显示具体地址，请联系客服咨询）\n*示例图如下\n* \n*\n\n","xr1pyb08ocveiogt9md7l1fczmjy1vcl9vlxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*各环节等待时间 \n","xr15vfb65dj8zzsonw4ber3kceraqb2o7muxc1rwafdobr852lule00llqqqb6wcbgattz":"预计1-3个工作日左右 \n","xr1ibojegijzjforzmqzhdptl5lv84bldcvxc1u5l56744p2h66ibok8rt4w4szytppujy":"企业客户\n\n","xr12ullr62kfmlpydmuu2311jid3bap8m23xc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*如退款失败，可进行收款账户信息修改\n*只变更收款账号，不变更收款主体，审批通过后可重新执行打款 \n*变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更\n","xr1whb7p36c0b23e80ytf1qemqcvj3gzmcyxc1v3kuy3bmwesyoi06ey9moq7ie4wp8pr9":"个人主体不支持退第三方\n","xr1411eq7rfhqppve7f0pq0s0czp3wyh0mqxc14vdngh0bfrfh3p654pliirw5prev2dwj":"个人主体不支持退第三方\n","xr1rlf5laaz24lq91ka5l3whg09zn5po0rcxc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右 \n选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款 \n","xr1er101lb412j699w57azrskhehla29hd4xc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*客户提交退款\n","xr1wv8ro0cm5jl3b3q6yumy25k43hf1hbpuxc16g1vy838iu2ky9zlkwlbcer3wrvhjjic":"退款成功 \n退款失败 \n","xr1dwr09ug6467skhn2134ksig5nwk3eu66xc1rwafdobr852lule00llqqqb6wcbgattz":"依赖客户操作时间\n如选择线下签署，退款时长相应增长 \n","xr1pyb08ocveiogt9md7l1fczmjy1vcl9vlxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*涉及相关操作 \n","xr18qsmgjpn3j4ri0em0s2i726epl7o8rzjxc1rfzyje5m6m7vww0onduim6hwztmo48hl":"\n","xr1hnapf9o8ej7vw7wwkqpl30q4b1jusvzlxc18y6jfrgts5iwby82wr353gjhho0fwfej":"*客户类型\n","xr1pujcom6pwlp40bmj0whincvgwsn16ec5xc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*发票红冲核验\n","xr1rcyrosnu5mrd342gfnu2t3z9brhtkcasxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*1min左右\n","xr1ol5pehzk0635ldo4s0l6fslgar48curvxc1g6wr7k3091no1u44sfr57evaooet5vii":"*无CA情况\n*如您未申请CA签章，可选择【采用CA签章签署退款协议】，跳转到资质认证模块，先完成申请CA签章，再进行退款申请\n*也可选择【采用线下签署退款协议】，自行下载退款确认函模板，加盖公章并邮寄\n \n","xr16lwqa6ron8t2yh3p6w7icv333mk53vajxc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*/\n","xr17opl406kzsknkpoz79iu7o5dovj34h89xc1hnaipmcfd8s9njhtzzmonayr44hlvknc":"*对公账户 \n","xr11p1w6wk6zp0qb505qy4t4rwviqkg7rouxc1y2sd0p5tgdvmwjfn1kzbrm9w66op3ygf":"*仅支持退至个人\n*收款账户身份证号，自动拉取注册时填写的个人身份证号码\n","xr1hnmhlcwfb6gdchg6pif7e76i62lanaisxc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*平台受理退款资料\n","xr1egok2y6i3cm9sh4nszec38iuqn2phbm0xc1v3kuy3bmwesyoi06ey9moq7ie4wp8pr9":"材料准备\n","xr1nndsol387ogzk8n9q50319sj4rellranxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*审批通过后，预计1-2个工作日\n","xr1iubqbddic4ge6kiutpeaf7lqvmc0w2zjxc1c7j331z96j66e4tqzn37nmop565189j8":"*审核中\n*审批驳回\n","xr1s202jev1qoial10eedcpi59ku4ukaed8xc1n7ydfkrgb015764caqblr0sl26dnd7tm":"*有CA情况\n*针对已申请过CA签章客户，默认选择线上方式签署协议，如已认证CA不再使用，可申请新的CA签章后再提交退款\n*如存在多个有效CA签章，请选择其中一个作为退款协议签署链接短信接收人\n\n","xr1ive6rjwqkzjcdnb80fd1h6aj7n6428f4xc1opbqir0i1hrudfwoj65d7frg8tu0r46v":"退款账户类型\n","xr1sahgncjzudr0hk2haqmclmqkp84ileh5xc1rfzyje5m6m7vww0onduim6hwztmo48hl":"企业客户\n\n","xr1eb1oaf29g6eh8t30l3d1l2avjpwkshygxc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*流程节点\n","xr168vhin85wspdi2v9bfdwzh9q5sd64kwtxc1v3kuy3bmwesyoi06ey9moq7ie4wp8pr9":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr1fddj7vzqw955zn1g57qqp0mtu8n0rakexc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*审批通过后，预计1-2个工作日\n","xr1dwr09ug6467skhn2134ksig5nwk3eu66xc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"协议签署 \n","xr1eb1oaf29g6eh8t30l3d1l2avjpwkshygxc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*各环节等待时间 \n","xr1pyb08ocveiogt9md7l1fczmjy1vcl9vlxc18i0aeb1tpd94uasb7ecom8flocuqfojp":"*退款单状态\n","xr12q8nefqny4cov88yo88td6tftecu39ppxc1v1i5eotqfmwsrekjgypqp3lpirc2n70e":"*系统自动拉取经营者信息\n*收款账户名称=主体资质开户名称（即对公账户）或经营者名称（法人银行卡）\n","xr18blwof66fokl3ot4b9qq26r9w2ejngo7xc1drsyao1hfjnlfk9lj26qh6vtfr6d5kuu":"*如客户对预填信息更改或选择不推荐的收款账户类型（如企业客户选择退至个人），则弹窗提示需提交证明材料，材料可在附件证明信息处【点击详情了解】\n","xr1m6cejd2r2qaqmgmblv282r7u85jc6aq2xc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"流程节点\n","xr1ot95rjcwwaptj9yb9hmzg1jpos6vbva1xc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*审核中\n","xr1er101lb412j699w57azrskhehla29hd4xc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*用户发起退款\n","xr1hnapf9o8ej7vw7wwkqpl30q4b1jusvzlxc1hnaipmcfd8s9njhtzzmonayr44hlvknc":"*退款账户类型\n","xr1ugaz376q612jsbsue12nhuj6p71i40y9xc16g1vy838iu2ky9zlkwlbcer3wrvhjjic":"审核中 \n","xr1cu0vblasfdm05oos4y73cyetv5n9m7blxc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*流程节点\n","xr1ee9i7cle4gsmz5go10ub9ryib2cydf2bxc1drsyao1hfjnlfk9lj26qh6vtfr6d5kuu":"企业客户：仅支持退至企业/已完成对公认证银行账户，收款账户名称=企业开户资质名称\n个体工商户：系统自动拉取经营者信息，收款账户名称=主体资质开户名称（即对公账户）或经营者名称（法人银行卡）\n个人：仅支持退至个人，收款账户身份证号，自动拉取注册时填写的个人身份证号码\n","xr1fddj7vzqw955zn1g57qqp0mtu8n0rakexc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*如退款失败，可进行收款账户信息修改\n*只变更收款账号，不变更收款主体，审批通过后可重新执行打款 \n*变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更\n","xr12q8nefqny4cov88yo88td6tftecu39ppxc1b897sj00yvorm3hs5be59kgn0nujwbyo":"*仅支持退至个人\n*收款账户身份证号，自动拉取注册时填写的个人身份证号码\n","xr1byi149as6dz8dyrmbtwf0jq3c5p111l4xc1lj3oyzo52gwi4a282tpq66jqo74q5oo3":"*❗❗❗注意：\n*1、如客户对预填信息更改或选择不推荐的收款账户类型（如企业客户选择退至个人），则弹窗提示需提交证明材料，材料可在附件证明信息处【点击详情了解】\n*2、由于信息填写错误等原因会导致银行退票，请在填写此部分信息时，务必仔细检查，错误的银行信息会延长您的退款时间，以下为需注意的点： \n*客户侧自身银行卡状态不对、二类卡限额等会导致银行退票，可申请收款信息变更后重新打款\n*收款账户名称与收款账号不符，如选择退至企业账户，收款名称为企业，但填写了个人银行卡\n*开户行信息填写错误，一般为支行信息错误，如果不确定支行信息请选择开户城市分行，例如：中国工商银行北京分行，或直接根据联行号进行查询\n*3、选择退至个人银行账户时，系统会自动校验姓名、身份证、银行卡是否属于同一人，请务必按照真实信息填写，否则可能会出现报错提示 \n","xr1lyhtgejidg3pyi3il0jwy9qhnwotmvhgxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*退款审核\n","xr17bwdzoj43jvqqs8nyglpt3draqtb8ry9xc1ntzokdkcpw7hfvesobm3wpylon0unnzk":"经营者/客户本人账户\n","xr1eb1oaf29g6eh8t30l3d1l2avjpwkshygxc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*退款单状态\n","xr1rezdkoke2hmr3iyrv3s8flwa1j046hhlxc16kqa1hhdw5c3bclmc1n06fumgzv99ia7":"*个体工商户\n","xr1uu04bnddpfzdjngfot23hulmohafnobtxc1rfzyje5m6m7vww0onduim6hwztmo48hl":"个人客户\n（含个体工商户、律师、房产经纪人）\n","xr1ot95rjcwwaptj9yb9hmzg1jpos6vbva1xc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*以页面显示为准\n","xr13n72rqqzygg9tmuvr5yh0doit1jgtmccxc16kqa1hhdw5c3bclmc1n06fumgzv99ia7":"*系统自动拉取经营者信息\n*收款账户名称=主体资质开户名称（即对公账户）或经营者名称（法人银行卡）\n","xr14s8scyfzw8ln31zw9drugjrtbv2boeqgxc1npz7gwkv4wh6wihfzr5uen8539jefiww":"*建议采用【CA签章签署】，退款更快、可节省线下邮寄的快递时间及避免线下邮寄函件丢失风险（若退款发起前您已完成CA认证，则系统会默认选择CA方式，无需自选）\n*CA认证流程可参考CA认证\n","xr1ive6rjwqkzjcdnb80fd1h6aj7n6428f4xc1rfzyje5m6m7vww0onduim6hwztmo48hl":"客户类型\n","xr1ibojegijzjforzmqzhdptl5lv84bldcvxc14vdngh0bfrfh3p654pliirw5prev2dwj":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr1er101lb412j699w57azrskhehla29hd4xc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*/\n","xr1q5rpyh5o5qi3zhnjefs87auamtn2hcgkxc18y6jfrgts5iwby82wr353gjhho0fwfej":"*\n","xr1q5rpyh5o5qi3zhnjefs87auamtn2hcgkxc1hnaipmcfd8s9njhtzzmonayr44hlvknc":"*个人账户 \n","xr1wv8ro0cm5jl3b3q6yumy25k43hf1hbpuxc1rwafdobr852lule00llqqqb6wcbgattz":"审批通过后，预计1-2个工作日 \n","xr1p9bt6un15cqzc9ruehk8frppkduztw4oxc1ntzokdkcpw7hfvesobm3wpylon0unnzk":"退款账户类型\n","xr1ot95rjcwwaptj9yb9hmzg1jpos6vbva1xc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*发票红冲核验\n","xr1sled83b06heca2fmcmhlwsgbce7zoerzxc11kecptrtozanazl34lc0a383sswoqph7":"\n","xr1cu0vblasfdm05oos4y73cyetv5n9m7blxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*涉及相关操作 \n","xr1fddj7vzqw955zn1g57qqp0mtu8n0rakexc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*退款打款\n","xr17bwdzoj43jvqqs8nyglpt3draqtb8ry9xc14vdngh0bfrfh3p654pliirw5prev2dwj":"（1）如果有公章，需邮寄加盖对应主体公章的《退款确认函》\n（2）如果无公章，需邮寄经营者/客户本人手写签字+按手印的《退款确认函》\n","xr1vpqofh64zije0ubtaqd12dlwjcop1ui3xc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*我司商务和财务同学进行退款材料及金额审核\n*如审批驳回，可按照驳回原因补充材料并上传\n","xr1ibojegijzjforzmqzhdptl5lv84bldcvxc1ntzokdkcpw7hfvesobm3wpylon0unnzk":"对公账户\n","xr18qsmgjpn3j4ri0em0s2i726epl7o8rzjxc1opbqir0i1hrudfwoj65d7frg8tu0r46v":"第三方个人账户\n","xr1q5rpyh5o5qi3zhnjefs87auamtn2hcgkxc1htgqm3ay2rhboi5ohrepems70wh6k7n3":"（1）邮寄加盖对应主体公章的《退款确认函》原件 \n","xr1egok2y6i3cm9sh4nszec38iuqn2phbm0xc17hdk0oy3s9r74rdwckm80udzjt9ucaat":"客户类型\n","xr160zjvqaug8dajo31a5vaw21dhf88ijzwxc1pys6i9ru8r5nzoyc37h2l6k13w9nmo7v":"\n","xr18qsmgjpn3j4ri0em0s2i726epl7o8rzjxc1eybtek3c6resuqu17ubr449gi8im0aum":"个人主体不支持退第三方\n","xr1pwybcypfrj3fh4t9ptv5150ozp01muzrxc17hdk0oy3s9r74rdwckm80udzjt9ucaat":"个人客户\n（含个体工商户、律师、房产经纪人）\n","xr1os1g8s3my6yinz04rk9sz59ck3ir4dfpxc18i0aeb1tpd94uasb7ecom8flocuqfojp":"*审核中\n\n","xr1wv8ro0cm5jl3b3q6yumy25k43hf1hbpuxc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"审核通过打款阶段 \n","xr1rcyrosnu5mrd342gfnu2t3z9brhtkcasxc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*平台受理退款资料\n","xr13bbrvb24rnnj0p4wfdhmme19892uyuqlxc1v1i5eotqfmwsrekjgypqp3lpirc2n70e":"*个体工商户\n","xr1nndsol387ogzk8n9q50319sj4rellranxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*如退款失败，可进行收款账户信息修改\n*只变更收款账号，不变更收款主体，审批通过后可重新执行打款 \n*变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更\n","xr11p1w6wk6zp0qb505qy4t4rwviqkg7rouxc1lj3oyzo52gwi4a282tpq66jqo74q5oo3":"*仅支持退至企业/已完成对公认证银行账户\n*收款账户名称=企业开户资质名称\n","xr1ig7shee2ifcyrulmi1hqwoatm3wjnfpjxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*以页面显示为准\n","xr1mcwzyc0fbvsa1j1l4761we5g09zwuwk4xc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*用户发起退款\n","xr1iubqbddic4ge6kiutpeaf7lqvmc0w2zjxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*预计1-3个工作日左右（如遇节假日可能会有单据积压请您耐心等待)\n*如发生审批驳回需提供材料则审核时长相应增长\n","xr1rcyrosnu5mrd342gfnu2t3z9brhtkcasxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*冻结账户余额\n*合同前置判断\n*系统自动生成退款协议（如需签署协议）\n","xr1wv8ro0cm5jl3b3q6yumy25k43hf1hbpuxc1d73bzepqgt00dzpn3g52n3p2wku13uwn":"*如退款失败，可进行收款账户信息修改\n*只变更收款账号，不变更收款主体，审批通过后可重新执行打款 \n*变更收款主体，则需要线下邮寄退款函，流程较长，不建议变更\n","xr1hehb74z290skiq54omznp07jw8pabj2wxc1c7j331z96j66e4tqzn37nmop565189j8":"*审核中\n","xr1hehb74z290skiq54omznp07jw8pabj2wxc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*退款协议签署\n","xr1kt036vvk074fbk0sndyueuzowr59k13mxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*依赖客户操作时间\n*如选择线下签署，退款时长相应增长\n","xr1skk6i8y4r670l6cbtjzc3c2jwosav33jxc1pg59afqdu9mhbyq0suj0uaq3bkuc7in2":"对公账户\n","xr1vpqofh64zije0ubtaqd12dlwjcop1ui3xc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*退款审核\n","xr13ao6lqii00vhk1qi9wfvkhr9iui9wangxc1npz7gwkv4wh6wihfzr5uen8539jefiww":"*有CA情况\n*针对已申请过CA签章客户，默认选择线上方式签署协议，如已认证CA不再使用，可申请新的CA签章后再提交退款\n*如存在多个有效CA签章，请选择其中一个作为退款协议签署链接短信接收人\n \n\n","xr1jzcnzhfjc8zh1g8bdi5q5ueo3ieozrnzxc1ttjmptjqknhv23ss9ppzyo5tkusorsdy":"\n","xr1hnmhlcwfb6gdchg6pif7e76i62lanaisxc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*1min左右\n","xr1sled83b06heca2fmcmhlwsgbce7zoerzxc1s9avowm6orw24uz2znlqddfc3wfyzw5v":"\n","xr1ig7shee2ifcyrulmi1hqwoatm3wjnfpjxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*巨量星图不涉及\n","xr1alganlayjzgv9h3o706dvmf8qjwfs7zdxc1b0s8ka4dr9v2bsv6rfmp92mcwipdn3w0":" \n\n","xr1lcrjetwwm8vd8zsrclqsswmmstfb092vxc1ttjmptjqknhv23ss9ppzyo5tkusorsdy":"\n","xr15y3oijm2h5zvsva8ziyti2jyijhjhn2fxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右 \n选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款 \n","xr1skk6i8y4r670l6cbtjzc3c2jwosav33jxc1v3kuy3bmwesyoi06ey9moq7ie4wp8pr9":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr1drdiej6e2nbzdvq2tkt93gmsiy4mray1xc1y2sd0p5tgdvmwjfn1kzbrm9w66op3ygf":"*个人\n","xr15vfb65dj8zzsonw4ber3kceraqb2o7muxc1d73bzepqgt00dzpn3g52n3p2wku13uwn":"*我司商务和财务同学进行退款材料及金额审核\n*如审批驳回，可按照驳回原因补充材料并上传\n","xr1ime033186u32l352ww6k9keijaqsr3osxc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右 \n选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款 \n","xr1kt036vvk074fbk0sndyueuzowr59k13mxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*电子签（同时发送短信签约链接）\n*签署协议\n*查看已签署协议\n*线下签\n*下载退款协议\n*回填物流单号\n*取消退款\n","xr168vhin85wspdi2v9bfdwzh9q5sd64kwtxc17hdk0oy3s9r74rdwckm80udzjt9ucaat":"\n","xr1urfii2w7893bv43zc860pu9sdwcmk427xc1hnaipmcfd8s9njhtzzmonayr44hlvknc":"*第三方个人账户 \n","xr12ullr62kfmlpydmuu2311jid3bap8m23xc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*退款成功\n*退款失败\n","xr1drdiej6e2nbzdvq2tkt93gmsiy4mray1xc1lj3oyzo52gwi4a282tpq66jqo74q5oo3":"*企业客户\n","xr1alganlayjzgv9h3o706dvmf8qjwfs7zdxc1cuz9k8nj2hb2aw4tm0qfe2fn2hi8rrub":" \n","xr1au2ea2qnmfc7phnzm68m2iz9w279vh3sxc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*电子签（同时发送短信签约链接）\n*签署协议\n*查看已签署协议\n*线下签\n*下载退款协议\n*回填物流单号\n*取消退款\n","xr1sahgncjzudr0hk2haqmclmqkp84ileh5xc1eybtek3c6resuqu17ubr449gi8im0aum":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr1rezdkoke2hmr3iyrv3s8flwa1j046hhlxc1cuz9k8nj2hb2aw4tm0qfe2fn2hi8rrub":"*企业客户\n","xr1os1g8s3my6yinz04rk9sz59ck3ir4dfpxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*冻结账户余额\n*合同前置判断\n*系统自动生成退款协议（如需签署协议）\n","xr1rlf5laaz24lq91ka5l3whg09zn5po0rcxc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"\n","xr1nndsol387ogzk8n9q50319sj4rellranxc18i0aeb1tpd94uasb7ecom8flocuqfojp":"*退款成功\n*退款失败\n","xr1mcwzyc0fbvsa1j1l4761we5g09zwuwk4xc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*客户提交退款\n","xr1os1g8s3my6yinz04rk9sz59ck3ir4dfpxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*1min左右\n","xr1rlf5laaz24lq91ka5l3whg09zn5po0rcxc1t15dnnj7z4wgd5501wagamud0jze3s2j":"\n","xr1jzcnzhfjc8zh1g8bdi5q5ueo3ieozrnzxc1pys6i9ru8r5nzoyc37h2l6k13w9nmo7v":"\n","xr1pwybcypfrj3fh4t9ptv5150ozp01muzrxc1v3kuy3bmwesyoi06ey9moq7ie4wp8pr9":"（1）如果有公章，需邮寄加盖对应主体公章的《退款确认函》\n（2）如果无公章，需邮寄经营者/客户本人手写签字+按手印的《退款确认函》\n","xr1m6cejd2r2qaqmgmblv282r7u85jc6aq2xc1rwafdobr852lule00llqqqb6wcbgattz":"各环节等待时间 \n","xr1ime033186u32l352ww6k9keijaqsr3osxc1c7j331z96j66e4tqzn37nmop565189j8":"\n","xr1ime033186u32l352ww6k9keijaqsr3osxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"\n","xr1pwybcypfrj3fh4t9ptv5150ozp01muzrxc1pg59afqdu9mhbyq0suj0uaq3bkuc7in2":"经营者/客户本人账户\n","xr16lwqa6ron8t2yh3p6w7icv333mk53vajxc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*用户发起退款\n","xr1hnmhlcwfb6gdchg6pif7e76i62lanaisxc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*审核中\n\n","xr1ime033186u32l352ww6k9keijaqsr3osxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"\n","xr1byi149as6dz8dyrmbtwf0jq3c5p111l4xc1y2sd0p5tgdvmwjfn1kzbrm9w66op3ygf":"\n","xr1ig7shee2ifcyrulmi1hqwoatm3wjnfpjxc1wgyd3vlb4jgfemejeneid7sn0nyqrucc":"*发票红冲核验\n","xr1411eq7rfhqppve7f0pq0s0czp3wyh0mqxc1u5l56744p2h66ibok8rt4w4szytppujy":"\n","xr14s8scyfzw8ln31zw9drugjrtbv2boeqgxc1c8ep9fgzd51q1dbldv4vuls9lynwzekj":"\n","xr1ig7shee2ifcyrulmi1hqwoatm3wjnfpjxc1c7j331z96j66e4tqzn37nmop565189j8":"*审核中\n","xr1whb7p36c0b23e80ytf1qemqcvj3gzmcyxc17hdk0oy3s9r74rdwckm80udzjt9ucaat":"\n","xr1hf1iyf4e6jh5adlfa5oq4po2miypp14sxc1drsyao1hfjnlfk9lj26qh6vtfr6d5kuu":"*选择退款账户类型后，系统会根据客户注册主体资质自动拉取并预填收款人账户信息 \n","xr1dwr09ug6467skhn2134ksig5nwk3eu66xc1d73bzepqgt00dzpn3g52n3p2wku13uwn":"*电子签（同时发送短信签约链接）\n*签署协议\n*查看已签署协议\n*线下签\n*下载协议\n*回填物流单号\n*取消退款\n","xr1pujcom6pwlp40bmj0whincvgwsn16ec5xc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*以页面显示为准\n","xr1qv1g7573dufk2j2b6e6ee35jlh04afj9xc1u5l56744p2h66ibok8rt4w4szytppujy":"\n","xr1qv1g7573dufk2j2b6e6ee35jlh04afj9xc14vdngh0bfrfh3p654pliirw5prev2dwj":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr1hehb74z290skiq54omznp07jw8pabj2wxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*依赖客户操作时间\n*如选择线下签署，退款时长相应增长\n","xr1ugaz376q612jsbsue12nhuj6p71i40y9xc1d73bzepqgt00dzpn3g52n3p2wku13uwn":"*客户提交退款\n*冻结账户余额\n*系统自动生成退款协议（如需签署协议）\n","xr160zjvqaug8dajo31a5vaw21dhf88ijzwxc1ttjmptjqknhv23ss9ppzyo5tkusorsdy":"\n","xr1au2ea2qnmfc7phnzm68m2iz9w279vh3sxc14ywz82te2s0a0qgau3pidd9m3n3hh3pc":"*退款协议签署\n","xr1fc24vmis7ru4jypygaj5bpsic777819dxc16g1vy838iu2ky9zlkwlbcer3wrvhjjic":"\n","xr1r1fhzdtee24m7kmo1m0tbsd65rv18nhpxc1v1i5eotqfmwsrekjgypqp3lpirc2n70e":"\n","xr1os1g8s3my6yinz04rk9sz59ck3ir4dfpxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*平台受理退款资料\n","xr1pyb08ocveiogt9md7l1fczmjy1vcl9vlxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*流程节点\n","xr1nq72mhdsqzc7djb5bjunrzkkmq0njmsaxc1eybtek3c6resuqu17ubr449gi8im0aum":"（1）邮寄加盖对应主体公章的《退款确认函》原件\n","xr16lwqa6ron8t2yh3p6w7icv333mk53vajxc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*客户提交退款\n","xr1ot95rjcwwaptj9yb9hmzg1jpos6vbva1xc1m192gpnm5r6sli6yd41h9kk483pllsqg":"*巨量星图不涉及\n","xr1hnapf9o8ej7vw7wwkqpl30q4b1jusvzlxc1htgqm3ay2rhboi5ohrepems70wh6k7n3":"*材料准备\n","xr1nq72mhdsqzc7djb5bjunrzkkmq0njmsaxc1opbqir0i1hrudfwoj65d7frg8tu0r46v":"个人账户\n","xr1ive6rjwqkzjcdnb80fd1h6aj7n6428f4xc1eybtek3c6resuqu17ubr449gi8im0aum":"材料准备\n","xr15y3oijm2h5zvsva8ziyti2jyijhjhn2fxc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"\n","xr17opl406kzsknkpoz79iu7o5dovj34h89xc18y6jfrgts5iwby82wr353gjhho0fwfej":"*企业客户 \n","xr1kt036vvk074fbk0sndyueuzowr59k13mxc1vvin4pqp2mi9wmtzpdos0adbu6kvkqb8":"*退款协议签署\n","xr1gg0586f3606edml6ihkqjwuw6f4sbunnxc1cuz9k8nj2hb2aw4tm0qfe2fn2hi8rrub":"*❗❗❗ 注意：\n*1、如客户对预填信息更改或选择不推荐的收款账户类型（如企业客户选择退至个人），则弹窗提示需提交证明材料，材料可在附件证明信息处【点击详情了解】\n*2、由于信息填写错误等原因会导致银行退票，请在填写此部分信息时，务必仔细检查，错误的银行信息会延长您的退款时间，以下为需注意的点： \n*客户侧自身银行卡状态不对、二类卡限额等会导致银行退票，可申请收款信息变更后重新打款\n*收款账户名称与收款账号不符，如选择退至企业账户，收款名称为企业，但填写了个人银行卡\n*开户行信息填写错误，一般为支行信息错误，如果不确定支行信息请选择开户城市分行，例如：中国工商银行北京分行，或直接根据联行号进行查询\n*3、选择退至个人银行账户时，系统会自动校验姓名、身份证、银行卡是否属于同一人，请务必按照真实信息填写，否则可能会出现报错提示 \n","xr1ugaz376q612jsbsue12nhuj6p71i40y9xc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"用户发起退款 \n","xr1urfii2w7893bv43zc860pu9sdwcmk427xc1htgqm3ay2rhboi5ohrepems70wh6k7n3":"个人主体不支持退第三方 \n","xr1ov7htqz1367m26phs6sk13morq2412wpxc1htgqm3ay2rhboi5ohrepems70wh6k7n3":"（1）如果有公章，需邮寄加盖对应主体公章的《退款确认函》 \n（2）如果无公章，需邮寄经营者/客户本人手写签字+按手印的《退款确认函》 \n","xr15vfb65dj8zzsonw4ber3kceraqb2o7muxc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"材料审核阶段/可退金额审核阶段 \n","xr1pujcom6pwlp40bmj0whincvgwsn16ec5xc18i0aeb1tpd94uasb7ecom8flocuqfojp":"*审核中\n","xr1egok2y6i3cm9sh4nszec38iuqn2phbm0xc1pg59afqdu9mhbyq0suj0uaq3bkuc7in2":"退款账户类型\n","xr1gg0586f3606edml6ihkqjwuw6f4sbunnxc1b0s8ka4dr9v2bsv6rfmp92mcwipdn3w0":"\n","xr15y3oijm2h5zvsva8ziyti2jyijhjhn2fxc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"\n","xr1sahgncjzudr0hk2haqmclmqkp84ileh5xc1opbqir0i1hrudfwoj65d7frg8tu0r46v":"对公账户\n","xr1alganlayjzgv9h3o706dvmf8qjwfs7zdxc16kqa1hhdw5c3bclmc1n06fumgzv99ia7":" \n","xr1p9bt6un15cqzc9ruehk8frppkduztw4oxc1u5l56744p2h66ibok8rt4w4szytppujy":"客户类型\n","xr1r1fhzdtee24m7kmo1m0tbsd65rv18nhpxc151nepzosp4phnq0jbkv8dcuqis3n1i6y":"*❗❗❗注意：\n*1、如客户对预填信息更改或选择不推荐的收款账户类型（如企业客户选择退至个人），则弹窗提示需提交证明材料，材料可在附件证明信息处【点击详情了解】\n*2、由于信息填写错误等原因会导致银行退票，请在填写此部分信息时，务必仔细检查，错误的银行信息会延长您的退款时间，以下为需注意的点： 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\n","xr11p1w6wk6zp0qb505qy4t4rwviqkg7rouxc1i51dctoa44jupz9d5g2o7iqlp614maet":"*系统自动拉取经营者信息\n*收款账户名称=主体资质开户名称（即对公账户）或经营者名称（法人银行卡）\n","xr16lwqa6ron8t2yh3p6w7icv333mk53vajxc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*/\n","xr1cu0vblasfdm05oos4y73cyetv5n9m7blxc1c7j331z96j66e4tqzn37nmop565189j8":"*退款单状态\n","xr1mcwzyc0fbvsa1j1l4761we5g09zwuwk4xc1ky4jnk6y10jsb1ahug8rvgch3dik1uhc":"*/\n","xr1kpf1ya47fv51ma2hjzwl07sl242qm81nxc19lmi520z1n2k4q1nqmt5h4umn390fnie":"*无CA情况\n*如您未申请CA签章，可选择【采用CA签章签署退款协议】，跳转到资质认证模块，先完成申请CA签章，再进行退款申请\n*也可选择【采用线下签署退款协议】，自行下载退款确认函模板，加盖公章并邮寄\n\n","xr1au2ea2qnmfc7phnzm68m2iz9w279vh3sxc1u2d7gmbjdywicrv65uwuglf8jkig3coj":"*审核中\n","xr17bwdzoj43jvqqs8nyglpt3draqtb8ry9xc1u5l56744p2h66ibok8rt4w4szytppujy":"个人客户\n（含个体工商户、律师、房产经纪人）\n","xr1r1fhzdtee24m7kmo1m0tbsd65rv18nhpxc1b897sj00yvorm3hs5be59kgn0nujwbyo":"\n","xr13bbrvb24rnnj0p4wfdhmme19892uyuqlxc151nepzosp4phnq0jbkv8dcuqis3n1i6y":"*企业客户\n","xr12ullr62kfmlpydmuu2311jid3bap8m23xc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*审批通过后，预计1-2个工作日\n","xr1cu0vblasfdm05oos4y73cyetv5n9m7blxc19flt5j5pjbbiupi1ta1d2lgv4v1mvw3h":"*各环节等待时间 \n","xr1dwr09ug6467skhn2134ksig5nwk3eu66xc16g1vy838iu2ky9zlkwlbcer3wrvhjjic":"审核中 \n","xr1lcrjetwwm8vd8zsrclqsswmmstfb092vxc1pys6i9ru8r5nzoyc37h2l6k13w9nmo7v":"\n","xr1pujcom6pwlp40bmj0whincvgwsn16ec5xc1ff5yzdwp9r3kclfadtlmu3o1djw7cdsb":"*巨量星图不涉及\n","xr1skk6i8y4r670l6cbtjzc3c2jwosav33jxc17hdk0oy3s9r74rdwckm80udzjt9ucaat":"企业客户\n\n","xr1rezdkoke2hmr3iyrv3s8flwa1j046hhlxc1b0s8ka4dr9v2bsv6rfmp92mcwipdn3w0":"*个人\n","xr1hehb74z290skiq54omznp07jw8pabj2wxc1egq4o1f3mamcocpvm9tfvrom7t55bja5":"*电子签（同时发送短信签约链接）\n*签署协议\n*查看已签署协议\n*线下签\n*下载退款协议\n*回填物流单号\n*取消退款\n","xr15y3oijm2h5zvsva8ziyti2jyijhjhn2fxc18i0aeb1tpd94uasb7ecom8flocuqfojp":"\n","xr1kt036vvk074fbk0sndyueuzowr59k13mxc18i0aeb1tpd94uasb7ecom8flocuqfojp":"*审核中\n","xr1ov7htqz1367m26phs6sk13morq2412wpxc18y6jfrgts5iwby82wr353gjhho0fwfej":"*个人客户 \n*（含个体工商户、律师、房产经纪人） \n","xr1vpqofh64zije0ubtaqd12dlwjcop1ui3xc1t15dnnj7z4wgd5501wagamud0jze3s2j":"*预计1-3个工作日左右（如遇节假日可能会有单据积压请您耐心等待)\n*如发生审批驳回需提供材料则审核时长相应增长\n","xr1byi149as6dz8dyrmbtwf0jq3c5p111l4xc1i51dctoa44jupz9d5g2o7iqlp614maet":"\n","xr1fc24vmis7ru4jypygaj5bpsic777819dxc1tqyuw4t0jvry6dnl8dghk4tvlboepq75":"备注：综上各环节审批时间，针对的是选【线上CA退款】方式，退款整体时长预计7个工作日左右 \n选【线下邮寄退款函】方式，因为有快递时间，所以我方收到客户邮寄的退款函后+15个工作日左右完成退款 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