一次性信用修复，来了！
Zhong Guo Ji Jin Bao·2025-12-22 01:37

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, in response to the ongoing impacts of the COVID-19 pandemic [5][11]. Policy Details - The policy applies to personal overdue information from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB. Individuals who fully repay their overdue debts by March 31, 2026, will have this information not displayed in the financial credit information database [5][11]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed starting January 1, 2026. For repayments made between December 1, 2025, and March 31, 2026, the information will be removed by the end of the following month [5][11]. Implementation Method - The PBOC's Credit Reporting Center will automatically identify and process eligible overdue information without requiring individuals to apply or submit documentation. The policy is designed to be "automatic and enjoyable" [5][12]. - The policy does not incur any fees, and any attempts to solicit money or information under this policy are considered fraudulent [5][12]. Changes in Credit Reporting - Following the implementation of the policy, eligible overdue information will see changes in the credit report. The "repayment status" will change from overdue to normal, and the overdue amount will be adjusted from a non-zero value to zero [6][13]. - These adjustments will be reflected in both the "information summary" and "credit transaction details" sections of the personal credit report [6][13]. Public Engagement and Support - The PBOC emphasizes the importance of public awareness and understanding of the policy. The Credit Reporting Center will facilitate access to credit reports through various online and offline channels [9][10]. - Individuals can inquire about their credit report status through multiple channels, including mobile banking apps and the PBOC's official website [15][16].