央行一次性个人信用修复政策落地后，社交平台迅速掀起讨论热潮。 近两日，在小红书、微博上，大量网友晒出自己的征信报告，希望通过在线求助的方式，求广大网友帮 忙鉴定自己的逾期记录是否能享受到这波政策利好。 2025.12.24 本文字数：3566，阅读时长大约6分钟 作者 |第一财经 杜川 第一财经记者浏览发现，网友晒出的征信报告情况各不相同。比如，有的逾期记录年份太久，超出了政 策限定的时间范围；有的单笔逾期金额直接突破1万元限定标准；也有网友非常幸运，逾期情况完全符 合此次政策的适用条件。 诸多讨论中，几个核心问题被反复提及，即自己到底符不符合政策的修复条件？"单笔逾期1万元以 下"的界定标准是什么？分期贷款的逾期又该怎么认定？怎么才算足额偿还逾期债务？ 社交平台晒征信求鉴定 梳理来看，网友们的核心关切主要集中在政策适用细节与实操问题两大方面。 从政策规定的逾期条件看，逾期信息需同时满足三项核心要求：一是时间范围，逾期信息产生于2020年 1月1日至2025年12月31日期间；二是金额限制，单笔逾期金额不超过1万元人民币；三是还款时限，个 人需于2026年3月31日（含）前足额偿还逾期债务。满足上述条件的，央 ...

Group 1 - The announcement from Weibo's administration addresses concerns regarding the "sealing of public security violation records" and provides explanations on legislative intent, principles, and legal applicability [1] - The platform has identified users who ignore official responses, misinterpret legal provisions, and spread negative sentiments, leading to the removal of over 4,000 pieces of related content [1] - Weibo emphasizes the importance of maintaining the authority of laws and the trust of the public in legislative institutions, urging users to engage in rational and diverse discussions [1] Group 2 - The platform has taken action against over 100 accounts, including suspensions and closures, due to violations related to the dissemination of misleading information and rumors [1] - Weibo commits to fulfilling its legal obligations and social responsibilities, aiming to create a clearer online environment in collaboration with various sectors [1]

Core Viewpoint - The implementation of the central bank's one-time personal credit repair policy has sparked widespread discussion on social media platforms, with users seeking clarification on eligibility and specific conditions for overdue records [1][6]. Policy Details - The overdue information must meet three core requirements: it must have occurred between January 1, 2020, and December 31, 2025; the amount of a single overdue payment must not exceed 10,000 RMB; and the individual must fully repay the overdue debt by March 31, 2026 [1][4]. - The definition of "single overdue amount under 10,000 RMB" refers to the overdue amount for a single loan in a given month, which accumulates if payments are missed [2][3]. Variations by Credit Product - Different credit products have varying rules for policy applicability. For instance, multiple small loans can be repaired even if their total overdue amount exceeds 10,000 RMB, as long as each individual loan's overdue amount is below this threshold [3][7]. - Credit card overdue amounts are reported based on the monthly statement, meaning if the total overdue amount exceeds 10,000 RMB, it cannot be repaired [3][4]. Repayment Requirements - "Full repayment of overdue debt" means borrowers must not only repay historical overdue amounts but also make timely payments on current obligations [4][5]. - The total amount to be repaid includes principal, interest, and any penalties, and borrowers should confirm the exact amount with their financial institutions [5][6]. Beneficiaries of the Policy - The policy is expected to benefit a wide range of individuals, particularly those with small overdue amounts from consumer loans and credit cards, as most overdue amounts typically fall below the 10,000 RMB threshold [6][7]. - The policy aims to support honest borrowers while maintaining credit constraints on those with larger overdue amounts [6][7]. Impact on Financial Institutions - Following the announcement of the policy, banks and consumer finance companies have quickly adapted their services to comply with the new regulations [8][9]. - The policy is anticipated to improve asset quality for banks in the short term by increasing the recovery rate of small overdue loans and reducing the scale of small non-performing assets [10]. - The one-time nature of the policy is designed to prevent potential moral hazards while encouraging overdue borrowers to settle their debts, which could stimulate demand for personal loans [10].

Core Viewpoint - The recent news highlights the status of automotive reviewer Chen Zhen's social media accounts, indicating that while some accounts appear to have been unbanned, official verification states that his Weibo account remains under a ban due to legal violations related to tax issues [1][2][18]. Group 1: Account Status - Chen Zhen's accounts on platforms like Xiaohongshu, Bilibili, and Weibo were reported to be unbanned, allowing normal interactions [1][2]. - However, a verification from Weibo indicated that his Weibo account is still under a ban and has not been unbanned [1][2]. Group 2: Background on Legal Issues - On December 5, it was reported that Chen Zhen's accounts across multiple platforms were banned due to violations of laws and regulations, including tax evasion [3][18]. - The tax authorities found that Chen Zhen had underpaid personal income tax by 1.1867 million yuan, leading to a total penalty of 2.4748 million yuan, which has since been collected [18][38]. Group 3: Public Reaction and Controversy - Chen Zhen faced backlash for his comments regarding a donation by Xiaomi, which many perceived as opportunistic, leading to significant controversy [19][39]. - Following the backlash, Chen Zhen expressed a desire to reflect on his actions and promised to provide more positive content in the future [11][31].

Core Viewpoint - The accounts of car reviewer Chen Zhen on platforms Xiaohongshu, Bilibili, and Weibo remain banned due to tax evasion allegations, despite rumors of their unblocking [1][2][4]. Group 1: Account Status - Xiaohongshu confirmed that Chen Zhen's accounts, including "Chen Zhen Classmate," are under a ban following the tax investigation results published by tax authorities [1]. - Bilibili stated that it has enforced a ban on Chen Zhen's account (UID 483708283) in compliance with legal regulations and community guidelines [2]. - As of the report, all of Chen Zhen's accounts on Xiaohongshu, Bilibili, and Weibo are still showing a banned status and cannot be followed [4]. Group 2: Legal and Regulatory Compliance - All platforms involved emphasize the importance of tax compliance as a fundamental responsibility of taxpayers, highlighting their commitment to uphold fair tax practices [2]. - The platforms are adhering to relevant laws such as the Cybersecurity Law and the regulations on the governance of online information content, ensuring that actions taken against Chen Zhen's accounts are in line with legal requirements [2].

12月22日，针对网络车评人陈震部分平台账号解封传闻，微博社区观察员官方账号@围脖侠 发文辟 谣：经核实，微博小号并未解禁。依法纳税是每个纳税人应尽的义务和责任，微博平台履行平台主体责 任，根据相关规定对@陈震同学、@陈震同学的同学 执行处置，因此其微博小号目前仍在禁言期内， 并未解封。 据国家税务总局北京市税务局此前通报，近期，国家税务总局北京市税务局第三稽查局依法查处网络车 评人陈震偷税案件。经查，2021年至2023年，陈震通过隐匿收入、转换收入性质、进行虚假申报等方 式，少缴个人所得税共计118.67万元。2025年11月，国家税务总局北京市税务局第三稽查局依据相关法 律法规规定，对其作出追缴税款、加收滞纳金并处罚款共计247.48万元的处理处罚决定。目前，涉案税 款、滞纳金及罚款均已追缴入库。 当日，B站和小红书也针对陈震账号封禁情况进行了说明。哔哩哔哩社区官方账号发布《哔哩哔哩关于 萝卜陈震同学账号封禁的说明》，称账号"萝卜陈震同学"（UID483708283）目前仍在封禁期内。小红 书则在声明中称，"陈震同学"等账号始终处于禁言状态，相关功能限制严格遵照法律法规及平台规则执 行。 ...

21财经·南财快讯记者实测发现，截至发稿，陈震的小红书、B站和微博账号均显示封禁状态，且无法被 关注。 < 0 圈 Q : < (C) ( .. ● 谈胜号图进反相关社区规则,已被禁宫 67万 30 645.177 4 751 十八十 陈震同学 @ Www. 萝卜陈震同学 us 《梦卜报告》《越野篮书》汽车节目主持人 职合创始人,汽摩比 春日年"了 年手 玩车 赛车 越野 户外 是我的爱好 1012.3万 原出 957关注 6342.1万 作评题 ● bilbii UP主认证: 中手数据、汽车UP主 用得 年度投加之星 品具制明力汽车大V 目或在常到面積大地 ●中国第一人 用从得了精神病,整个人都精神多了 在全球极端地理、气候拍摄几十期记录片 8 年半韩国 云 田中高地上上来 2024年度对城 分源车和生活。 之星 ● 该账号封禁中 & 43 W 作有 786 个好友 该用户图违反法律法 误用户被禁止关注 小店 51 7 微博网客 72.1万 图 寂寞《微博社区公 约》被禁止关注! 福信 伊 煎萌 49人高原 2月摩基 1979 线 好维 (20598) 站迈 相册 主演 动态 投稿 Q 笔记 三十特选 全部 ...

Core Viewpoint - The recent developments regarding the car reviewer "Chen Zhen Tong Xue" have drawn attention, particularly the status of his social media accounts following a tax evasion investigation [1][3]. Group 1: Account Status and Regulatory Actions - Chen Zhen Tong Xue's accounts on various platforms, including Xiaohongshu, were initially silenced due to a tax evasion case, with the platform stating that measures were taken in accordance with legal regulations [1]. - As of December 22, Xiaohongshu announced that the accounts remained under restrictions, and they would continue to monitor the situation and enforce compliance with laws [1]. - The Weibo account @WeiBoXia confirmed that Chen's secondary account remains under a ban and has not been unblocked [2][3]. Group 2: Background and Impact - Chen Zhen is a well-known car reviewer with a significant online presence, boasting over 24 million followers across various platforms, including 10.14 million on Weibo and 10.74 million on Douyin [3]. - The tax evasion case involved a total of 1.1867 million yuan in unpaid personal income tax, leading to a total penalty of 2.4748 million yuan, which has since been collected by the tax authorities [3]. - Following the investigation, Chen expressed remorse through another Weibo account, indicating a desire to reflect on his actions and promote positive energy [4].

Group 1 - The article discusses the upcoming year-end project "LookingBack2025" by Sichuan Observer, which will reflect on significant events and personal stories from 2025 [1] - It highlights various emotional narratives, including the struggles of individuals like Wu Yanni, who faced defeat in competitions, and Chen Meilin, who overcame despair after a tragic incident [1] - The piece emphasizes the resilience and transformation of individuals, showcasing their journeys from hardship to new beginnings [1] Group 2 - The article mentions the emotional impact of events such as the 93rd National Day parade, where journalist Fang Haoming was moved to tears, illustrating the power of national pride [1] - It also references the societal challenges faced by families involved in high-profile criminal cases, emphasizing the quest for justice and personal recovery [1] - The narrative includes a metaphorical representation of a zoo transformed into a "life ark," symbolizing hope and renewal in the face of adversity [1]

Core Insights - The 2025 China Economic Media Integration Development Exchange Conference was held in Beijing, focusing on the theme "Digital Intelligence Empowerment, Transformation and Efficiency" [1] Group 1: Awards and Recognition - Hongxing News won two awards: "Top 10 Original Influence Index on Weibo" and "Top 10 Original Influence Index on WeChat Official Accounts" [1] - Hongxing News achieved first place in three metrics: number of journalist interviews, number of original materials, and video playback duration in the Weibo Original Influence Index [3] - The total number of articles published by Hongxing News on WeChat reached 6,994 [3] Group 2: Notable Reports - A report by Hongxing News titled "The Time-Stealing Video Platform Ads: Youku has 4 more seconds, Mango has 3 more seconds, and iQIYI has 123 seconds of ads in a two-minute slot" was selected as a typical case in the 2025 China Economic Media Integration Reporting [3]