央行发布一次性信用修复政策 支持符合条件的人群重塑个人信用

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy effective from January 1, 2026, aimed at helping individuals with overdue debts to restore their credit ratings without the need for application, thereby enhancing the efficiency of credit restoration for those who have actively repaid their debts [1][2]. Group 1: Policy Details - The one-time credit repair policy will not display overdue information in personal credit reports for eligible individuals who meet specific criteria, including overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [2]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the policy, with adjustments to credit information occurring based on the repayment date [2][3]. - The policy includes a three-month grace period, allowing individuals to repay overdue debts within this timeframe to still benefit from the credit repair [3]. Group 2: Expected Impact - The policy is expected to provide individuals with a chance to correct past credit issues, thereby improving their credit status and stimulating economic activity at the micro level [4]. - Financial institutions will benefit from more accurate identification of individual credit statuses, enhancing the quality of inclusive financial services [4]. - The policy aims to strengthen the awareness of creditworthiness among individuals in future economic activities, reinforcing the foundational role of the credit system in promoting trust and accountability in society [4]. Group 3: Industry Development - The PBOC is focusing on optimizing the credit market layout during a transformative period for the credit industry, emphasizing risk prevention, strong regulation, and high-quality development [5]. - The PBOC will adhere to principles of serving the public, a dual approach of government and market, and a balance between development and safety in its future initiatives [5]. - The PBOC aims to enhance the role of credit in building a social credit system, providing diverse product offerings, convenient credit services, and robust rights protection to support financial services for the real economy and mitigate financial risks [5].