央行信用修复新政落地，多地网友晒逾期“清零”截图

Core Viewpoint - The new personal credit repair policy, effective from January 1, 2026, automatically clears overdue records for individuals with overdue debts of up to 10,000 RMB, significantly reducing the operational burden on citizens [9]. Group 1: Policy Details - The policy targets overdue information from January 1, 2020, to December 31, 2025, for single amounts not exceeding 10,000 RMB, allowing individuals to have their overdue records removed if they repay their debts by March 31, 2026 [9]. - The implementation of the policy follows an "automatic enjoyment" mechanism, meaning individuals do not need to apply or submit documentation, as the credit system will automatically process the changes [9]. Group 2: Impact on Individuals - Many individuals have reported their credit reports showing no overdue records after the policy's implementation, indicating a positive reception among the public [6][10]. - The policy aims to assist those who have small overdue records due to unforeseen circumstances, providing them with an opportunity to rebuild their credit [9]. Group 3: Implications for Financial Institutions - Longjiang Securities' research report suggests that the policy may slightly improve the quality of retail assets for banks, as it encourages overdue customers to repay their debts promptly [10]. - The removal of historical overdue records for those who have settled their debts is expected to facilitate future loan applications, as credit history significantly influences approval rates [10]. - The policy is anticipated to alleviate the pressure on retail loan overdue rates and non-performing loan ratios, which have been on the rise [10].