央行信用修复新政落地！网友：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]. Group 1: Policy Implementation - The one-time credit repair policy allows individuals with overdue loans of up to 10,000 yuan incurred between January 1, 2020, and December 31, 2025, to have their overdue records removed if they repay by March 31, 2026 [1][3]. - Users have reported successful updates to their credit reports, with some seeing their overdue records drop from two to zero [1]. Group 2: Conditions for Eligibility - The policy applies only to overdue information displayed in the central bank's credit system and is limited to specific conditions, including the overdue amount and repayment timeline [3]. - Individuals must repay their overdue debts in full by March 31, 2026, for the records to be removed [4]. Group 3: Implications of the Policy - The policy does not delete negative credit records but changes their status from overdue to normal upon repayment, maintaining the underlying data [4][5]. - The initiative is designed to encourage individuals to actively repay debts, thus improving their access to financial services and enhancing their overall financial health [6][7]. - Financial institutions may benefit from this policy as it could lead to improved asset quality and a broader customer base by reintroducing previously defaulting individuals into the financial system [6][7].