央行征信管理局局长答《金融时报》记者问

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at addressing issues related to personal credit reports and combating fraudulent activities by illegal intermediaries [1][3]. Group 1: Policy Implementation - The one-time credit repair policy is completely free and does not require individuals to apply or engage third parties for assistance [4]. - The policy is designed to objectively reflect personal credit information, including both timely repayment and overdue information, as per the Credit Reporting Management Regulations [3]. Group 2: Market Regulation and Fraud Prevention - The People's Bank of China, in collaboration with law enforcement and regulatory agencies, is actively combating illegal intermediaries that exploit individuals' desire to remove overdue information [3]. - There is a warning against fraudulent activities where intermediaries claim to offer services like "credit washing" or "debt restructuring," which can lead individuals into debt traps [4].