央行发布一次性信用修复政策 助力非恶意逾期者加快重塑个人信用

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who have actively repaid their debts, marking a shift from a punitive credit system to one that balances punishment and repair [1][3][4]. Group 1: Policy Details - The policy allows for the removal of overdue information for personal debts up to 10,000 RMB if repaid by March 31, 2026, with specific deadlines for different repayment periods [1][2]. - The policy applies to all types of loans, including personal business loans, housing loans, consumer loans, and credit cards, without distinction between lending institutions [2]. - The credit repair process is automatic, requiring no application or documentation from individuals, and will be effective from January 1, 2026 [2][8]. Group 2: Implementation and Benefits - The People's Bank of China will provide additional opportunities for free credit report inquiries in the first half of 2026, increasing access for individuals to check their credit status [5][6]. - The policy aims to alleviate the long-term restrictions faced by individuals with past credit issues, particularly those who have made efforts to rectify their financial situations [6][7]. - The adjustment in credit reports will change overdue statuses to normal and reflect zero overdue amounts for qualifying individuals, enhancing their credit profiles [6][9]. Group 3: Public Awareness and Precautions - The policy is entirely free, and any attempts to charge fees or solicit information under this policy are considered fraudulent [2][8]. - Individuals are advised to be cautious of illegal intermediaries offering debt restructuring services and to confirm repayment amounts and statuses with financial institutions to avoid missing out on the policy benefits [10][11].