逾期已“消除”，个人信用迎“新生”

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue credit records to restore their credit status, benefiting many citizens who meet specific criteria [1][2][4]. Group 1: Policy Implementation - The one-time credit repair policy started on January 1, 2026, and has led to a 22% increase in daily credit report inquiries in Jiangsu Province compared to December 2025 [1]. - The policy is designed to help individuals who have overdue records from January 1, 2020, to December 31, 2025, provided they repay their overdue debts by March 31, 2026 [2][4]. Group 2: Beneficiaries and Impact - Individuals like Mr. Li and Mr. Fang have successfully benefited from the policy, with Mr. Fang receiving a loan approval of 200,000 yuan to expand his agricultural business [2]. - The policy aims to stimulate consumer spending and support small businesses by improving access to credit, thereby revitalizing the micro-market resources [4]. Group 3: Financial Institutions' Response - Financial institutions, including major banks, have enhanced their services to facilitate the policy's implementation, ensuring eligible individuals can easily check their credit status and access benefits [3]. - Banks have optimized their mobile banking apps and established customer support systems to assist clients in understanding and utilizing the new policy [3]. Group 4: Future Directions - The People's Bank of China plans to further advance credit repair and credit services, aiming to inject sustained momentum into consumer spending and the development of the real economy in Jiangsu [5].