个人信用修复窗口限时打开，央行新政为非恶意失信群体重塑信用

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at providing a corrective opportunity for individuals who have previously defaulted but have settled their debts, effective from January 1, 2026 [1][2]. Group 1: Policy Details - The policy applies to overdue amounts not exceeding 10,000 RMB for debts incurred between January 1, 2020, and December 31, 2025 [1][3]. - There are no distinctions made regarding the type of loan or lending institution, making the policy accessible to various forms of credit, including personal loans, mortgages, and credit cards [1][3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the credit repair [3][4]. Group 2: Expected Impact - The policy is expected to improve credit conditions for individuals, stimulate microeconomic activity, and enhance the quality of financial services provided by institutions [2][7]. - It aims to reinforce the awareness of creditworthiness in future economic activities, thereby supporting the foundational role of the credit system in promoting trust and accountability [2][8]. Group 3: Implementation Mechanism - Eligible overdue information will not be displayed in credit reports, with overdue statuses changing from "overdue" to "normal" and overdue amounts adjusted to zero [4][9]. - The policy includes measures such as automatic eligibility without the need for personal applications, a three-month grace period for debt repayment, and additional free credit report queries [4][10]. Group 4: Clarifications and Safeguards - The policy is not a form of "credit washing" and does not exempt individuals from their debt obligations; full repayment is a prerequisite for benefiting from the policy [9][11]. - The People's Bank of China emphasizes the importance of maintaining strict boundaries to prevent abuse of the system and to uphold the integrity of the credit framework [9][12].