一次性信用修复≠征信洗白≠债务豁免，这些底线不能碰

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at individuals who have fully repaid overdue debts of less than 10,000 yuan, effective from January 1, 2026, while excluding malicious debt evaders [1][3]. Group 1: Policy Details - The one-time credit repair policy will apply to personal overdue records that are fully repaid and amount to less than 10,000 yuan, with the implementation date set for January 1, 2026 [1]. - The policy is designed to provide a formal channel for credit repair for those who have fulfilled their repayment obligations, emphasizing that it is not a means to "wash" credit records [5][8]. - The credit repair process will be conducted automatically by the credit reporting center of the People's Bank of China, ensuring that it is free of charge and does not require third-party intermediaries [7]. Group 2: Social Impact and Governance - The policy aims to enhance social governance effectiveness by maintaining strict boundaries against malicious debt evasion and serious overdue behaviors, thereby reinforcing the integrity of the social credit system [4]. - Experts highlight that the policy reflects a balance between strict enforcement and humanistic considerations, providing opportunities for credit repair while ensuring that trustworthiness is rewarded [4][6]. - The initiative is seen as a way to inject vitality into economic circulation and improve the understanding of customer credit status among financial institutions, potentially expanding quality customer bases and stimulating credit demand [3]. Group 3: Public Awareness and Cautions - The public is advised to be cautious of any claims regarding paid credit repair services, as the process is entirely free and any such claims are considered fraudulent [7]. - The policy emphasizes that credit repair does not equate to debt forgiveness; full repayment of debts is a prerequisite for benefiting from the credit record adjustments [8]. - The credit repair policy is strictly limited to specific overdue records that meet the outlined criteria, reinforcing the principle of accountability within the credit system [6][8].