Zhong Guo Jin Rong Xin Xi Wang·2026-02-03 09:34Core Viewpoint - The People's Bank of China introduced a "one-time personal credit repair policy" aimed at helping individuals with overdue credit records regain access to financing by automatically removing certain overdue records from the credit system [1]. Group 1: Policy Implementation - The policy applies to personal credit overdue records with a single overdue amount not exceeding 10,000 yuan, occurring between January 1, 2020, and December 31, 2025, provided that the overdue amount is fully repaid by March 31, 2026 [1]. - The Industrial and Commercial Bank of China (ICBC) Ningbo Branch established a dedicated task force to ensure the effective implementation of the policy, focusing on policy transmission, data verification, and customer service [2]. Group 2: Customer Support and Services - ICBC Ningbo Branch has developed an "online + offline" credit report inquiry service system, allowing customers to access simplified credit reports 24/7 through mobile and online banking, as well as at physical branches [4]. - The bank emphasizes that the credit repair policy is completely free and does not require customers to engage any third-party agents, while also warning the public against potential scams related to credit repair [4][5]. Group 3: Case Study - A restaurant owner, Ms. Li, benefited directly from the policy after her overdue records were removed, enabling her to secure a 500,000 yuan operating loan from ICBC Ningbo Branch, which alleviated her financial pressure and revitalized her business [1].