央行将实施一次性信用修复政策 个人“免申即享”

Core Viewpoint - The People's Bank of China (PBOC) announced a one-time credit repair policy aimed at individuals with overdue debts of up to 10,000 RMB, allowing them to restore their credit status if they repay by March 31, 2026 [1] Group 1: Policy Implementation - The policy will automatically adjust overdue information in credit reports without requiring individuals to apply or take action [1][3] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit system starting January 1, 2026 [3] - For those who repay between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [3] Group 2: Impact on Individuals and Financial Institutions - The policy provides a corrective opportunity for individuals who have previously defaulted, helping to improve their credit status and stimulate economic activity [4] - Financial institutions will benefit from more accurate identification of individual credit statuses, enhancing the quality of inclusive financial services [4] Group 3: Broader Economic Implications - The policy is expected to strengthen the awareness of creditworthiness among individuals in future economic activities, reinforcing the dual role of the credit system in incentivizing trust and penalizing defaults [4] - The PBOC aims to optimize the credit market layout and improve credit service levels during the 14th Five-Year Plan period, focusing on the collection and sharing of credit information across various financial sectors [4]