Core Viewpoint - The People's Bank of China (PBOC) has introduced a one-time credit repair policy aimed at helping individuals restore their credit status by removing overdue information from credit reports, provided they fully repay their overdue debts by March 31, 2026 [1][12]. Group 1: Policy Details - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [5][12]. - Individuals must fully repay their overdue debts to benefit from the credit record adjustment, emphasizing that this is not a debt waiver [1][3]. - The policy is automatic, requiring no application or third-party involvement, and will be processed by the PBOC's credit system [16][19]. Group 2: Implementation and Guidance - Financial institutions advise individuals to confirm the repayment amounts to avoid missing out on the policy benefits [4][6]. - There is a three-month grace period for repayments, allowing individuals to settle their debts by March 31, 2026, to qualify for credit repair [16]. - Individuals can check their credit reports through various channels, with additional free queries available in the first half of 2026 [17]. Group 3: Fraud Prevention - The PBOC warns against fraudulent activities by illegal intermediaries claiming to offer credit repair services for a fee, emphasizing that the policy is free of charge [11][19]. - Individuals are encouraged to report any suspicious activities related to this policy to the PBOC or local authorities [19].

根据《征信业管理条例》，在征信系统中，违约记录的存续期为5年。过去几年，受不可抗力影响，一 些个人发生了债务逾期，虽然事后全额偿还，但相关信用记录仍持续影响其经济生活。为帮助个人加快 修复信用记录，同时发挥违约信用记录的约束效力，人民银行正在研究实施一次性的个人信用救济政 策，对于违约在一定金额以下且已归还贷款的个人违约信息，将在征信系统中不予展示。这项措施将在 履行相关的程序后，由人民银行会同金融机构进行必要的技术准备，计划在明年初执行。 12月22日，在进行必要的技术准备后，中国人民银行正式发布一次性信用修复政策有关安排。自2026年 1月1日起征信中心将根据不同还款情形完成自动调整，相关逾期记录不再在个人信用报告中展示。 12月22日，中国人民银行发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告 中予以展示。 一次性信用修复政策不区分金融机构和业务类型，也不限制笔数。同时政策实行"免申即享"，个人无需 申请和操作，也无需提交证明材料，由中国人民银行征信系统对符合条件的逾期信息进行自动识别和统 一处理。 为何要推出一次性信用修复政策？ 自2006年正式上线，全国集中统一的企业和个人征信 ...

Core Viewpoint - The People's Bank of China (PBOC) announced a one-time credit repair policy aimed at individuals with overdue debts of up to 10,000 RMB, allowing them to restore their credit status if they repay by March 31, 2026 [1] Group 1: Policy Implementation - The policy will automatically adjust overdue information in credit reports without requiring individuals to apply or take action [1][3] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit system starting January 1, 2026 [3] - For those who repay between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [3] Group 2: Impact on Individuals and Financial Institutions - The policy provides a corrective opportunity for individuals who have previously defaulted, helping to improve their credit status and stimulate economic activity [4] - Financial institutions will benefit from more accurate identification of individual credit statuses, enhancing the quality of inclusive financial services [4] Group 3: Broader Economic Implications - The policy is expected to strengthen the awareness of creditworthiness among individuals in future economic activities, reinforcing the dual role of the credit system in incentivizing trust and penalizing defaults [4] - The PBOC aims to optimize the credit market layout and improve credit service levels during the 14th Five-Year Plan period, focusing on the collection and sharing of credit information across various financial sectors [4]

| 信息公开 | 新闻发布 注释注册 货币政策 宏观审值 偷发政策 全融市场 金融稳定 调查线计 银行会计 支付体系 | | --- | --- | | | 金融科技 人民币 经理国际 国际交往 人员招录 学术交流 征信管理 反洗钱 党建工作 | | 服务互动 | 政務公开 政策解读 公告信息 阅文直播 央行研究 最頻视频 市场动态 网上限厅 报告下载 报刊年登 | | | 网送文告 办事大厅 在线申报 下载中心 网上调查 意见征集 全融知识 关于我们 | | | 2025年12月22日 星期一 我的位置:首页 > 沟通交流 > 新闻 | 中经记者 谭志娟 北京报道 12月22日，中国人民银行发布《中国人民银行关于实施一次性信用修复政策有关安排的通知》（以下简 称"《通知》"）。 在此之前，中国人民银行行长潘功胜于10月27日在2025金融街论坛年会上表示，将研究实施支持个人修 复信用的政策措施。业内认为，这是央行首次在公开场合明确提出个人信用修复相关政策方向。 多位受访专家认为，该政策属于多方共赢的惠民举措，具有积极而深远的作用。 南开大学金融发展研究院院长田利辉在接受《中国经营报》记者采访时表示："这项政 ...

（编辑：郝成 审核：朱紫云 校对：颜京宁） 中经记者 谭志娟 北京报道 展望未来，业界专家预计，2026年LPR有望稳中有降。因为2025年12月美联储下调政策利率后，2026年 还将进一步降息，这也会减轻对国内货币政策灵活调整的掣肘。由此预计2026年我国央行有可能实施新 一轮降息降准，这将带动两个期限品种的LPR报价跟进下调，引导企业和居民贷款利率下行，激发内生 性融资需求。 12月22日，中国人民银行授权全国银行间同业拆借中心公布，当日贷款市场报价利率（LPR）为：1年 期LPR为3.0%，5年期以上LPR为3.5%。两个期限LPR均与上月持平，这也是自6月以来LPR报价一直按 兵不动。 业界专家认为，12月两个期限品种的LPR报价保持不变，主要源于近期政策利率（央行7天期逆回购利 率）保持稳定。这意味着12月LPR报价的定价基础没有发生变化，已在很大程度上预示当月LPR报价会 保持不动。同时，12月以来包括1年期银行同业存单到期收益率（AAA级）在内的主要中长端市场利率 稳中有升，商业银行在货币市场的融资成本略有上升，在商业银行净息差处于历史最低点的背景下，当 前报价行也缺乏主动下调LPR报价加点的动 ...

华夏时报记者卢梦雪北京报道 而在修复机制与体现方面，政策不区分贷款机构、贷款类型，也不限制笔数。整个信用修复过程"免申即享"，由央行征信系统自动识别处理，不收取任何 费用。同时，政策设置了三个月的宽限期，个人只要在2026年3月31日前足额偿还逾期债务，可以同样适用该项政策。 当前，个人信用报告中的逾期信息主要通过每月的"还款状态"和"逾期金额"两个数据项进行反映。一次性信用修复政策实施后，对于符合条件的逾期信 息，这两个数据项的具体展示情况将会出现相应的调整。"还款状态"将由逾期标识调整为正常标识，"逾期金额"将由1万元以下的"非0"数值调整为"0"， 这个调整将会在信用报告中的"信息概要"和"信贷交易信息明细"模块予以同步体现。 12月12日，中国人民银行发布通知，一次性信用修复政策正式落地。 根据政策，符合相关条件的逾期信息，不限制笔数，将不会在个人信用报告中予以展示。此外，政策实行"免申即享"，个人无需申请和操作，也无需提交 证明材料，由央行征信系统进行自动识别和统一处理。 相关分析人士指出，从政策价值来看，这一调整标志着我国信用体系建设从"侧重约束惩戒"向"惩戒与修复并重"的重要转型。在目前经济回升 ...

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing for efficient and convenient credit restoration [1]. Group 1: Policy Details - The one-time credit repair policy will automatically identify and process eligible overdue information without requiring individuals to apply or submit any documentation [4]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the policy [3]. Group 2: Changes in Credit Reporting - After the implementation of the policy, the "repayment status" will change from overdue to normal, and the "overdue amount" will be adjusted from a non-zero value below 10,000 yuan to zero [6]. - Individuals who repay their overdue debts by November 30, 2025, will see the changes reflected in the credit reporting system starting January 1, 2026 [6]. - For those who repay between December 1, 2025, and March 31, 2026, the changes will be reflected by the end of the following month [6]. Group 3: Confirmation of Adjustments - Individuals can confirm whether their overdue information has been adjusted through online queries via mobile banking apps, online banking, and the official website of the People's Bank of China [7].

一方面，政策不区分贷款机构、贷款类型，不设置申请程序和复杂的条件，公平公正、简便易行地为在 规定日期前履行还款义务的个人提供信用重建的机会。另一方面，政策对逾期时间和逾期金额做了规 定，在精准支持小额逾期、诚信还款人群信用重建的同时，保留对尚未按期还款或大额逾期人群的信用 约束，坚守履约守信的底线，保证征信系统的严肃性和约束力。 责编:李文玉 | 审核:李震 | 监审:古筝 【大河财立方消息】12月22日，中国人民银行举行新闻发布会，介绍一次性信用修复政策有关情况。中 国人民银行副行长邹澜表示，一次性信用修复政策标准和条件的设定，主要出于两个方面的考虑。 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts, aiming to facilitate economic recovery post-COVID-19 [1] Group 1: Policy Overview - The policy is designed to address the impacts of the COVID-19 pandemic by allowing individuals with certain overdue credit information to have it removed from their credit reports if they meet specific criteria [1] - Eligible overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [1] - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of overdue information from their credit reports [1] Group 2: Implementation Method - The policy operates on an "automatic recognition" basis, meaning individuals do not need to apply or provide documentation; the People's Bank of China will automatically identify and process eligible overdue information [2] - The policy is free of charge, and any requests for payment or personal information in relation to this policy are considered fraudulent [2] Group 3: Credit Report Changes - Following the policy's implementation, eligible overdue information will be updated in credit reports, changing the repayment status from overdue to normal and adjusting overdue amounts below 10,000 yuan to zero [2] - The timing of these updates will depend on when individuals settle their overdue debts, with specific cut-off dates for reporting changes [2] Group 4: Credit Report Access - Individuals can access their personal credit reports through various online and offline channels, including banking apps, the official website of the People's Bank of China, and self-service query machines [3]

Core Viewpoint - The People's Bank of China has issued a 6-month central bank bill in Hong Kong, indicating ongoing monetary policy actions to manage liquidity and interest rates in the market [1] Group 1: Issuance Details - The total issuance amount of the central bank bill is 400 billion RMB [1] - The winning bid interest rate for the bill is set at 1.67% [1] - The effective date of the bill is December 24, 2025, with a maturity date of June 24, 2026 [1]