一次性信用修复不是催债，而是让失信者有“路”

Core Viewpoint - The central theme of the news is the implementation of a one-time credit repair policy by the central bank, aimed at supporting individuals with damaged credit who are actively repaying their debts, thereby facilitating credit restoration and promoting economic growth [1]. Group 1: Policy Details - The credit repair policy targets individuals whose credit overdue occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and requires repayment by March 31, 2026 [1]. - The policy is designed to alleviate the burden of small overdue amounts, which often arise from unintentional errors or economic difficulties, thus providing essential support to borrowers with small debts [2]. Group 2: Economic Implications - The initiative aims to enhance financial inclusivity and stimulate domestic consumption, as restoring credit for individuals can quickly translate into increased borrowing capacity, investment, and consumption, thereby aiding economic recovery [2]. - The policy encourages individuals to actively check their credit records and develop a habit of monitoring their credit status, which can prevent unintentional overdue situations [2][3]. Group 3: Addressing Concerns - The policy does not impose additional pressure on individuals who choose not to repair their credit, as their situation remains unchanged, thus it is not considered debt coercion but rather an opportunity to rectify credit records at minimal cost [3]. - The focus on small debts ensures that the policy does not undermine the overall credit system, as it only addresses minor overdue amounts while maintaining accountability for larger debts [3].