纾困已还款信用受损主体 个人征信修复政策蓄势待发

Core Viewpoint - The new personal credit repair policy aims to shift from a focus solely on "credit punishment" to a dual approach of "credit punishment and repair," reflecting advancements in credit system construction and social governance [1]. Group 1: Policy Implications - The policy is expected to benefit groups such as recent graduates, new employees, and individual business owners affected by the pandemic, allowing them to regain access to bank loans and positively impacting personal housing loans, consumer loans, and credit card overdrafts [1]. - The policy encourages overdue borrowers to repay debts, potentially improving banks' asset quality and expanding the customer base of growth-potential clients [1]. Group 2: Combatting Illegal Practices - The policy is designed to "open the front door and block the back door," aiming to reduce the space for illegal credit repair practices that exploit individuals seeking to eliminate negative credit records [2][3]. - Recent initiatives by regulatory bodies have focused on addressing illegal credit repair activities, with a joint initiative from various institutions to combat financial black and gray markets [2]. Group 3: Implementation Considerations - The policy will be implemented after necessary technical preparations by the People's Bank of China and financial institutions, with a planned execution in early next year [5]. - Concerns have been raised regarding the potential for abuse of the policy, particularly if overdue records are exempted from penalties, which could disrupt existing industry rules [5]. - The policy is expected to be a one-time credit relief measure, with eligibility criteria including repayment of loans and a history of non-malicious defaults [5][6]. Group 4: Legal and Regulatory Framework - The new policy will not simply erase negative records but will involve a conditional, procedural, and time-limited process aimed at educating and assisting non-malicious defaulters [6]. - Recommendations include establishing a dynamic verification system to strictly limit eligibility to non-malicious defaulters and enhancing legal frameworks to address malicious debt evasion [6].