贷款逾期的记录，有机会一次性“重置”了！央行新政为诚实者正名，也为社会增信心

Group 1 - The People's Bank of China has officially released a notification regarding the implementation of a one-time credit repair policy aimed at individuals with damaged credit who are actively fulfilling their obligations [1] - The policy is designed to provide a "reset" opportunity for individuals who have experienced non-malicious defaults due to uncontrollable circumstances, such as the COVID-19 pandemic, allowing them to recover from temporary credit issues [2][3] - The policy includes a time frame from January 1, 2020, to December 31, 2025, specifically targeting defaults caused by the pandemic, and sets a limit of 10,000 yuan for single overdue amounts to prevent abuse by malicious defaulters [3] Group 2 - The one-time credit repair policy is expected to facilitate market clearing by allowing eligible individuals to regain access to financial services, which can stimulate consumption and investment, thereby supporting economic growth [4] - The policy balances relief for individuals with the need to maintain the integrity of the credit system, ensuring that those who have not intentionally defaulted and have remedied their situations are not penalized long-term [3][4] - By enabling individuals to access loans for housing, consumption, and business, the policy aims to inject vitality into the economy and enhance the overall functioning of the credit system [4]