央行信用修复新政落地，多地网友晒逾期“清零”截图

Core Viewpoint - The new personal credit repair policy implemented on January 1, 2026, allows individuals with overdue records of up to 10,000 RMB to have their credit reports automatically cleared if they repay their debts by March 31, 2026, significantly reducing operational costs for citizens [14][15]. Group 1: Policy Implementation - The People's Bank of China issued a notice on December 22, 2025, detailing the credit repair policy aimed at individuals with overdue records from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB [14]. - The policy operates on an "automatic recognition" mechanism, meaning individuals do not need to apply or submit documentation, which simplifies the process for citizens [14]. Group 2: Impact on Individuals - Many individuals have reported that their overdue records have been cleared, allowing them a fresh start in their credit history, which is crucial for future loan applications [12][14]. - The policy targets those who have faced temporary financial difficulties, enabling them to restore their creditworthiness without the burden of past overdue records [14]. Group 3: Implications for Financial Institutions - The policy is expected to improve the asset quality of banks by encouraging overdue customers to repay their debts, potentially leading to a slight increase in retail loan issuance [15]. - Historical overdue records, which previously hindered loan approvals, will no longer be displayed for those who repay their debts, thus enhancing their chances of securing future loans [15]. - The repair of credit records is not expected to diminish banks' risk assessment capabilities, as they utilize a comprehensive data system for evaluating personal credit [15].