个人信用修复：警惕“免费看征信”背后的贷款中介陷阱

Core Viewpoint - The article highlights the emergence of individuals offering "free credit report reviews" as a response to the People's Bank of China's new one-time credit repair policy, warning that many of these individuals are actually loan intermediaries looking to sell loan products [1][6]. Group 1: Credit Repair Policy - The People's Bank of China has implemented a one-time credit repair policy to support individuals with damaged credit who have actively repaid their debts, aiming to facilitate economic recovery post-COVID-19 [1][4]. - The policy allows for the removal of negative credit information for individuals who have settled overdue debts of less than 10,000 RMB before March 31, 2026, with specific timelines for when the information will be removed based on repayment dates [4][8]. Group 2: Risks of Loan Intermediaries - Many individuals offering "free credit report reviews" are actually loan intermediaries who use this service to build relationships with potential borrowers and subsequently promote various loan products [1][6]. - The People's Bank of China has warned the public to be cautious of illegal intermediaries that may exploit the situation, potentially leading to scams involving high-interest loans or debt restructuring schemes [7]. Group 3: Consumer Behavior and Expectations - Consumers seeking credit repair are divided into two groups: those who have cleared their overdue debts and want to confirm their eligibility for credit repair, and those who still have outstanding debts and wish to understand their options for repair [6]. - The article illustrates a case of a consumer who, after clearing her debts, sought help from a self-proclaimed credit advisor, highlighting the emotional impact of credit repair policies on individuals [3][8]. Group 4: Banking Sector Response - Major banks have begun to adjust their risk assessment strategies in response to the credit repair policy, potentially shifting focus from historical credit records to current repayment capabilities [9]. - The credit repair policy may lead to a reduction in available historical data for banks, prompting them to enhance their scrutiny of other financial indicators such as social security contributions and stable bank transactions [9].