观察·关注痛点、成熟升级！精准施策让信用体系“刚柔并济”

Core Viewpoint - The People's Bank of China (PBOC) has implemented a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts, marking a shift from a purely punitive credit system to one that balances both punishment and repair [1][5]. Group 1: Policy Details - The policy allows for the removal of individual overdue records for amounts not exceeding 10,000 RMB if the debts are fully repaid by March 31, 2026 [2]. - The credit repair initiative is automatic, requiring no application or documentation from individuals, as the PBOC's credit system will identify and process eligible overdue information [6][8]. - The policy applies uniformly across different types of loans, including credit cards, mortgages, and consumer loans, ensuring that all eligible individuals can benefit [9]. Group 2: Implications for Credit System - This policy reflects a growing awareness of personal credit issues and aims to enhance the humanization of the credit system, transitioning from rigid punitive measures to a more flexible approach [10][12]. - The PBOC's credit system, which has recorded information on 1.16 billion individuals, is a crucial financial infrastructure that supports credit approval processes in financial institutions [12]. - The policy establishes a clear boundary by excluding individuals with unresolved debts from the repair scope, maintaining the integrity of the credit system [12]. Group 3: Additional Benefits - As part of the policy, the PBOC will increase the number of free personal credit report queries to two additional opportunities in the first half of 2026, allowing individuals to monitor their credit status more effectively [14]. - Individuals can access their credit reports through various online and offline channels, including banking apps and self-service kiosks [16].