央行一次性信用修复政策生效实施，哪类人适用、该怎么操作？

Core Viewpoint - The People's Bank of China has implemented a "one-time credit repair policy" aimed at supporting individuals with damaged credit who are actively repaying their debts, facilitating economic recovery [1][6] Group 1: Policy Details - The policy applies to personal overdue credit information from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [4] - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy [4][5] - The policy operates on an "automatic recognition and processing" basis, meaning individuals do not need to apply or submit documentation [3][8] Group 2: Impact on Individuals - The policy aims to change overdue statuses in credit reports to normal upon repayment, thus restoring individuals' creditworthiness [3][6] - It encourages individuals to repay debts, potentially improving their access to financial services and enhancing their quality of life [6][7] - The initiative is designed to assist those who are not malicious defaulters, such as those affected by temporary unemployment or significant health issues [8] Group 3: Implications for Financial Institutions - The policy may help banks recover overdue loans and improve asset quality by encouraging borrowers to settle their debts [7] - Financial institutions are likely to benefit from a renewed customer base as previously defaulting individuals regain their credit status [7] - The policy reinforces the importance of maintaining good credit, as individuals with past credit issues may become more loyal to financial institutions after experiencing the consequences of poor credit [6][7]