你的征信被修复了吗？央行新政落地后，贷款人晒逾期清零图

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows eligible individuals to have overdue loan records automatically removed or reduced from their credit reports, enhancing their creditworthiness without requiring any application process [1][4][10]. Group 1: Policy Details - The one-time credit repair policy was announced on December 22, 2022, and became effective on January 1, 2026, allowing eligible overdue information to be excluded from personal credit reports [1][4]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a maximum single overdue amount of 10,000 yuan [4][8]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the credit repair [4][8]. Group 2: Implementation Mechanism - The credit report adjustments will occur in two scenarios: if debts are settled by November 30, 2025, the overdue information will be removed starting January 1, 2026; if settled between December 1, 2025, and March 31, 2026, adjustments will be made by the end of the month following repayment [8]. - The credit repair process is automatic, requiring no application or documentation from individuals, significantly reducing operational costs for borrowers [8][10]. Group 3: Impact on Banking Sector - The policy is expected to improve banks' asset quality by encouraging overdue customers to repay their debts promptly, potentially leading to a slight increase in retail loan issuance [10][11]. - For customers with historical overdue records who have settled their debts, the removal of these records will facilitate future loan approvals, as credit history is a critical factor in risk assessment [11]. - The policy aims to alleviate the rising overdue and non-performing loan rates in the retail sector, thereby enhancing overall asset quality for banks [11].