央行信用修复新政落地！网友晒图：我的贷款逾期记录“清零”了

Core Viewpoint - The People's Bank of China has implemented a "one-time credit repair policy" aimed at helping individuals with damaged credit histories to restore their credit status efficiently, thereby supporting economic recovery [1][9]. Group 1: Policy Implementation - The one-time credit repair policy allows individuals with overdue loans of up to 10,000 yuan that occurred between January 1, 2020, and December 31, 2025, to have their overdue records removed if they repay by March 31, 2026 [1][5]. - Users have reported successful updates to their credit reports, with some seeing overdue records drop from two to zero [1]. Group 2: Conditions for Eligibility - The policy applies only to personal credit overdue information displayed in the central bank's credit system [5]. - Individuals must repay their overdue debts in full by March 31, 2026, to qualify for the removal of overdue records [5][10]. - The policy is not applicable to new overdue information generated after December 31, 2025 [5]. Group 3: Nature of Credit Repair - The removal of overdue records does not equate to the deletion of the underlying data; it simply makes the records invisible while maintaining the integrity of the credit management system [6][7]. - The policy emphasizes that active repayment is a prerequisite for credit repair, reinforcing the importance of fulfilling repayment obligations [6][7]. Group 4: Implications for Individuals and Financial Institutions - The policy aims to alleviate the long-term consequences of credit issues, encouraging individuals to rectify their credit status and improve their financial opportunities [11]. - Financial institutions may benefit from this policy as it encourages borrowers to repay overdue debts, potentially improving asset quality and expanding their customer base [11].