评论丨一次性信用修复不是催债，而是让失信者有“路”

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to restore their creditworthiness without affecting their social credit records [1][4]. Group 1: Positive Effects of the Policy - The policy effectively alleviates the burden of small overdue debts, particularly benefiting borrowers with amounts under 10,000 yuan, who may have incurred overdue status due to unintentional errors or economic difficulties [3][4]. - It promotes financial inclusivity and stimulates domestic consumption by restoring the borrowing capacity of individuals with overdue credit, thereby converting it into investment and consumption potential, which can lead to economic growth [3]. - The policy enhances credit awareness and improves the credit system by encouraging individuals to check their credit records and repay debts, fostering a habit that can prevent future overdue situations [3][4]. Group 2: Clarifications on Misconceptions - For individuals who choose not to repair their credit, there is no additional pressure; their situation remains unchanged, indicating that the policy is not a form of debt coercion but rather an opportunity to rectify credit issues at minimal cost [4]. - The policy is not a means of "credit washing" as it only applies to small debts under 10,000 yuan, ensuring that it does not undermine the fundamental principles of credit accountability [4]. - While small infractions can be forgiven, larger debts should not be overlooked, as this could create unfairness for creditors and lead to adverse consequences in the credit system [4].