卸下“包袱”!个人信用修复助力轻装前行

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing certain overdue information from personal credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][2]. Group 1: Policy Introduction - The credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to restore their credit records after full repayment [2][3]. - The policy will take effect on January 1, 2026, and will automatically adjust overdue records based on repayment status, ensuring that qualifying overdue information will not appear in personal credit reports [2][3]. Group 2: Eligibility Criteria - The policy specifies three conditions for eligibility: overdue information must have occurred between January 1, 2020, and December 31, 2025; the overdue amount must not exceed 10,000 yuan; and the overdue debt must be fully repaid by March 31, 2026 [3]. Group 3: Policy Features - The policy emphasizes convenience with an "automatic enjoyment" feature, meaning individuals do not need to apply or visit branches; the credit system will automatically identify and process qualifying overdue information [4]. - As a supportive measure, the People's Bank of China will increase the number of free annual credit report queries from two to four, allowing individuals to verify their credit status without incurring costs [4]. - A three-month grace period is provided for individuals to settle their overdue debts, extending the deadline for repayment to March 31, 2026, which allows more individuals to benefit from the policy [4]. Group 4: Enforcement of Credit Integrity - The one-time nature of the policy reflects a strict enforcement of credit integrity, ensuring that individuals with outstanding debts are not eligible for credit repair, thus maintaining fairness in the credit system [5]. - Industry experts note that the policy does not weaken credit constraints but rather enhances the credit system's effectiveness while promoting inclusive financial development and improving access to financing for individuals [5]. Group 5: Overall Impact - The timely repair of personal credit is expected to strengthen the credit foundation, providing better support for individual development and economic participation [6].