一次性信用修复助力个人重塑信用

Core Viewpoint - The People's Bank of China (PBOC) has introduced a one-time credit repair policy aimed at helping individuals with damaged credit who have actively repaid their debts, thereby supporting the ongoing economic recovery [1][2]. Group 1: Policy Details - The policy states that overdue information for personal loans not exceeding 10,000 RMB, if repaid in full by March 31, 2026, will not be displayed in the credit report [1]. - The overdue information will be automatically identified and processed by the PBOC's credit system without requiring individuals to apply or submit any documentation [2]. - A three-month grace period is established, allowing individuals to repay their overdue debts within this timeframe to benefit from the policy [2]. Group 2: Expected Impact - On an individual level, the policy provides a corrective opportunity for previously untrustworthy individuals, helping to improve their credit status and stimulate economic activity [2]. - For financial institutions, the policy aids in more accurately identifying individual credit conditions, enhancing the quality of inclusive financial services [2]. - At the societal level, the policy reinforces the importance of trustworthiness in economic activities, contributing to the establishment of a creditworthy society [2].