央行发布重磅新政：逾期1万元内可“征信修复”，免申即享，明年3月底前还款
3 6 Ke·2025-12-23 03:08

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at specific small overdue debtors, providing a limited-time opportunity for credit restoration [1][5]. Group 1: Policy Details - The policy applies to personal overdue information occurring between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB. Full repayment by March 31, 2026, will result in the removal of related overdue records from credit reports [5][6]. - The policy features "automatic enjoyment," meaning individuals do not need to apply or submit materials; eligible cases will be processed automatically by the credit system without any fees or third-party involvement [5][6]. Group 2: Beneficiaries and Implementation - The policy primarily benefits individuals who have experienced small overdue debts due to non-subjective factors such as unemployment or illness since 2020, including ordinary wage earners, small business owners, and individual entrepreneurs [5][7]. - The implementation of the policy is characterized by three principles: a defined period, a specified amount, and certain conditions, ensuring a balance between accessibility and risk control [6][7]. Group 3: Impact on Personal Credit Applications - Experts believe the policy will have a positive effect on personal credit applications, as eligible overdue information will no longer be displayed, potentially improving approval rates for loans and credit [8][9]. - Financial institutions may initially assess creditworthiness differently, but as the credit system adjusts, the approval process is expected to normalize [8][9]. Group 4: Recommendations for Individuals - Individuals are advised to take advantage of this opportunity by ensuring full repayment of debts by March 31, 2026, to benefit from the policy without incurring any costs [9]. - Establishing sustainable credit management habits is recommended, including timely repayments, monitoring credit reports, and avoiding excessive debt [9].