国有大行快速响应一次性信用修复政策 业内：房贷预计暂不涉及

Core Viewpoint - The People's Bank of China has initiated a one-time credit repair policy aimed at helping individuals rebuild their credit, with major state-owned banks actively responding to this initiative [1][2][3]. Group 1: Policy Implementation - Major banks such as Bank of China, China Construction Bank, and Bank of Communications have issued announcements detailing the conditions for the new credit repair policy and how individuals can check their eligibility [2][3]. - The policy is designed to automatically identify and process eligible overdue information in the credit system, allowing customers to easily verify their status through bank apps [2][3]. Group 2: Industry Response - All five major state-owned banks have publicly responded to the new credit repair policy, indicating a unified approach to its implementation [3]. - Industry insiders view the credit repair initiative positively, as it is expected to provide significant support for personal consumers, particularly young individuals, aligning with the national strategy to boost domestic demand [1][4]. Group 3: Risk Management and Limitations - Banks will maintain their risk control principles and are expected to exercise discretion in issuing new loans to individuals benefiting from the credit repair policy [4][5]. - The policy primarily targets young consumers with small-scale debts, and it does not apply to all defaulting customers, particularly those with larger loans such as mortgages [4][5].