广东近400万人重塑信用！政策窗口期过半，重获贷款勿错过

Core Viewpoint - The implementation of the central bank's one-time credit repair policy in Guangdong has shown initial positive results, with nearly 400 million people having completed credit reconstruction and 145,000 successfully approved for new loans, facilitating credit circulation and consumer recovery [1][2]. Group 1: Policy Implementation - The People's Bank of China (PBOC) Guangdong branch established a policy implementation task force and organized a meeting with 112 participating institutions to ensure effective execution of the credit repair policy [2]. - The PBOC has utilized various communication methods, including SMS and app notifications, to inform 911,000 individuals about the policy, and has provided over 10,000 consultations through various channels [2]. Group 2: Credit Repair Mechanism - The credit repair policy operates on an automatic recognition basis, requiring no personal application or fees, and targets overdue records from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Full repayment of principal, interest, penalties, and other fees is required by March 31, 2026, to ensure the removal of overdue information from the credit report [3]. Group 3: Future Actions and Goals - With just over a month remaining until the policy deadline, the PBOC Guangdong branch aims to enhance credit service support, resolve credit disputes, and guide financial institutions in providing flexible repayment options to protect public credit rights [3].