一财社论：让信用修复新规为经营主体提供更多“重生”机会

Core Viewpoint - The new regulations on credit repair emphasize the need for strict differentiation between malicious and unfortunate credit subjects, ensuring that the former face severe penalties while the latter receive opportunities for relief [1][2]. Group 1: New Regulations - The State Administration for Market Regulation has introduced the "Credit Repair Management Measures," effective December 25, and the National Development and Reform Commission's "Credit Repair Management Measures" will take effect on April 1 next year [1]. - These regulations aim to establish a unified, standardized, and efficient credit repair system to protect the legitimate rights and interests of credit subjects [2]. Group 2: Classification of Credit Subjects - Credit subjects are categorized into three levels: minor, general, and serious. Minor credit violations may result in warnings or administrative penalties, while serious violations could lead to substantial fines and repeated penalties [3]. - The approach to publishing credit violation information and repairing credit will differ based on the severity of the violation, balancing strict punishment with opportunities for rehabilitation [3]. Group 3: Speed of Credit Repair - The process for credit repair is to be expedited, with shortened public notice periods and processing times [4]. - Restrictions on previously untrustworthy entities, such as eligibility for government procurement and financing, will also be lifted quickly for those who have achieved credit repair, particularly for minor and general violations [4]. Group 4: Self-Driven Credit Repair - The new regulations provide opportunities for credit subjects to "rebirth" and rebuild their credit through their own efforts [5]. - Statistics indicate that from September 2021 to October 2025, over 44 million entities have undergone credit repair, highlighting the potential for significant recovery among these subjects [5]. Group 5: Balance of Rights and Responsibilities - The regulations aim to balance the rights, obligations, and responsibilities of credit subjects, promoting a culture where trust is rewarded, violations are penalized, and repair is possible [6].