央行发布“一次性信用修复政策”，哪些人能得到精准支持？

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals efficiently restore their credit by removing certain overdue information from credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][4]. Group 1: Policy Introduction - The one-time credit repair policy was announced on December 22, 2023, allowing eligible overdue information to be excluded from personal credit reports [1]. - The policy is a response to the financial difficulties faced by individuals due to the COVID-19 pandemic, which led to overdue debts that were subsequently repaid but continued to affect credit records [4]. Group 2: Eligibility Criteria - The policy specifies three conditions for eligibility: overdue information must have occurred between January 1, 2020, and December 31, 2025; the overdue amount must not exceed 10,000 yuan; and the debt must be fully repaid by March 31, 2026 [5]. - The policy emphasizes convenience, allowing automatic identification and processing of eligible overdue information without the need for individuals to apply [5]. Group 3: Additional Features - The policy includes provisions for increased access to credit report inquiries, offering two additional free offline inquiries in the first half of 2026, alongside existing free online checks [5]. - A three-month grace period is provided for individuals to settle their overdue debts, enhancing accessibility and allowing time for financial arrangements [6]. Group 4: Policy Implications - The policy maintains a strict boundary by excluding individuals with unresolved debts from the repair process, ensuring the integrity of the credit system [7]. - Industry experts suggest that the policy balances the need for credit enforcement with a compassionate approach, promoting inclusive finance and enhancing individuals' access to financing opportunities [7][8].