国家开发银行关于落实中国人民银行一次性信用修复政策的公告

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy for student loans, allowing borrowers with overdue payments to have their credit records rectified under specific conditions [1][2]. Group 1: Policy Applicability - The policy applies to overdue student loan information generated between January 1, 2020, and December 31, 2025 [1]. - The overdue amount for a single student loan contract must not exceed 10,000 RMB [1]. - Borrowers must fully repay the overdue principal and interest by March 31, 2026, to qualify for the credit repair [1]. Group 2: Implementation Process - The credit repair process does not require individual applications; the People's Bank of China will automatically handle qualifying overdue records [2]. - For overdue payments fully repaid by November 30, 2025, the credit report will not display related overdue information starting January 1, 2026 [3]. - For payments made between December 1, 2025, and March 31, 2026, the overdue information will be removed from the credit report by the end of the month following repayment [3]. Group 3: Credit Repair Result Inquiry - Borrowers can check their credit reports through official platforms to confirm if overdue information has been removed [4]. - If borrowers find that their overdue information is still displayed after repayment, they can report this to the National Development Bank for verification and correction [4]. Group 4: Important Reminders - Borrowers should verify the repayment amount and results through official systems before making payments to avoid errors that could disqualify them from the credit repair policy [5]. - It is advised to plan repayment times carefully to avoid missing the policy deadline due to potential delays in payment processing [6]. - The credit repair policy is free of charge, and borrowers should be cautious of potential scams related to this policy [8].