央行副行长邹澜发声！

Core Viewpoint - The People's Bank of China (PBOC) is focusing on risk prevention, strong regulation, and promoting high-quality development in the credit reporting industry during the 14th Five-Year Plan period, emphasizing the optimization of the credit market layout and enhancing service levels and capabilities [1][2][3]. Group 1: Principles of Credit Reporting - The PBOC will adhere to the principle of serving the public, aiming to meet the needs of the populace by improving the coverage and convenience of credit services, and ensuring the protection of individual credit rights [1][2]. - The dual-driven approach of "government + market" will be implemented, enhancing basic credit services while promoting the sharing and application of credit information across various financial sectors [2][3]. - The PBOC will balance development and security by guiding credit institutions to adopt new technologies like big data and AI, while also enforcing strict regulations to ensure compliance and protect consumer rights [3]. Group 2: One-time Credit Repair Policy - The PBOC announced a one-time credit repair policy that allows individuals with overdue credit information to have it removed from their credit reports without needing to apply or provide documentation, effective from January 1, 2026 [5][6]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a maximum overdue amount of 10,000 yuan per instance, provided the debt is fully repaid by March 31, 2026 [5]. - Individuals can verify adjustments to their credit information through online and offline channels, with additional opportunities for free credit report inquiries in the first half of 2026 [5].