Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals efficiently restore their credit by removing certain overdue information from credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][4]. Group 1: Policy Introduction - The one-time credit repair policy was announced on December 22, 2023, allowing eligible overdue information to be excluded from personal credit reports [1]. - The policy is a response to the financial difficulties faced by individuals due to the COVID-19 pandemic, which led to overdue debts that were subsequently repaid but continued to affect credit records [4]. Group 2: Eligibility Criteria - The policy specifies three conditions for eligibility: overdue information must have occurred between January 1, 2020, and December 31, 2025; the overdue amount must not exceed 10,000 yuan; and the debt must be fully repaid by March 31, 2026 [5]. - The policy emphasizes convenience, allowing automatic identification and processing of eligible overdue information without the need for individuals to apply [5]. Group 3: Additional Features - The policy includes provisions for increased access to credit report inquiries, offering two additional free offline inquiries in the first half of 2026, alongside existing free online checks [5]. - A three-month grace period is provided for individuals to settle their overdue debts, enhancing accessibility and allowing time for financial arrangements [6]. Group 4: Policy Implications - The policy maintains a strict boundary by excluding individuals with unresolved debts from the repair process, ensuring the integrity of the credit system [7]. - Industry experts suggest that the policy balances the need for credit enforcement with a compassionate approach, promoting inclusive finance and enhancing individuals' access to financing opportunities [7][8].

Core Viewpoint - The People's Bank of China will issue commemorative coins and banknotes for the year 2026 starting from December 22, 2025, which will include various denominations and materials [1] Group 1: Commemorative Coins and Banknotes - The commemorative coin made of bimetallic copper alloy will have a face value of 10 yuan, a diameter of 27 mm, and a total issuance of 100 million pieces, including 10,000 pieces for historical archives [1] - The commemorative banknote will have a face value of 20 yuan, dimensions of 145 mm by 70 mm, made of plastic, with a total issuance of 100 million pieces, including 20,000 pieces for historical archives [1] - The 1-gram round gold commemorative coin will be a standard coin, containing 1 gram of pure gold, with a diameter of 10 mm, a face value of 10 yuan, and a maximum issuance of 150,000 pieces [1] - The 8-gram diamond-shaped silver commemorative coin will be a standard coin, containing 8 grams of pure silver, with a side length of 23 mm, a face value of 3 yuan, and a maximum issuance of 1 million pieces [1]

新京报贝壳财经讯 12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，并发 布相关政策问答。 问：一次性信用修复政策实施后，符合条件的逾期信息将会出现哪些展示变化？ 答：一次性信用修复政策实施后，符合条件的逾期信息在个人信用报告中的"还款状态"和"逾期金额"两 个数据项将会予以调整。其中，"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"；相应调整将在个人信用报告的"信息概要"和"信贷交易信息明细"模块予以同步 体现。 问：个人何时可以看到逾期信息的展示变化？ 答：根据个人逾期债务的结清时间，符合条件的逾期信息将分两种情形完成调整处理、发生展示变化。 第一种情形，个人已经于2025年11月30日（含）前足额偿还逾期债务的，征信系统自2026年1月1日起不 予展示相关逾期信息。第二种情形，个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的， 征信系统于次月月底前不予展示相关逾期信息。例如，个人在2026年1月期间还清欠款的，相关逾期信 息在2026年2月底前即可展示为正常还款状态。 ...

新京报贝壳财经讯 12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，并发 布相关政策问答。 问：个人如何确认本人逾期信息是否得到调整？ 答：征信系统将对符合条件的逾期信息进行自动识别和统一处理，无需公众进行申请和确认操作。若个 人需要了解相关逾期信息是否已不再展示，可以通过多渠道获取本人信用报告，建议优先选择快捷、简 便的线上方式进行查询，也可选择线下方式进行查询。线上查询渠道包括金融机构的手机银行APP、网 上银行、银联云闪付APP、中国人民银行征信中心官网的"互联网个人信用信息服务平台"等。线下查询 渠道包括征信自助查询机、金融机构的智慧柜员机、中国人民银行各分行征信服务窗口。查询渠道详情 信息可通过中国人民银行征信中心官方网站、微信公众号获取。 问：如果对本人逾期信息适用政策的情况存有疑问，如何提出咨询和处理？ 答：个人如果对自身逾期信息的政策适用情况存有疑问，可以通过贷款机构，或者通过征信中心客服热 线（4008108866）、中国人民银行征信服务窗口反映具体情况，相关问题将会得到处理。 ...

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts, allowing them to efficiently and conveniently restore their credit status [1] Group 1: Policy Details - The one-time credit repair policy is aimed at individuals with overdue information who meet specific conditions [1] - The policy is designed to facilitate the adjustment of overdue information for those who are making efforts to repay their debts [1] Group 2: Implementation and Confirmation - Individuals can confirm whether their overdue information has been adjusted under this new policy [1] - The announcement includes a visual guide to help individuals understand the conditions and processes involved in the credit repair [1]

文/刘佳 12月22日，据中国人民银行官微消息，央行对外发布一次性信用修复政策有关安排。根据安排，一次性 信用修复政策实行"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。 政策适用对象上，央行表示，限定于个人在中国人民银行征信系统中展示的信贷逾期信息；适用时间区 间要求逾期信息产生于2020年1月1日至2025年12月31日期间；适用金额为单笔逾期金额不超过1万元； 适用前提是个人在2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信息，将不会在个 人信用报告中予以展示。 央行相关人士介绍，根据个人逾期债务的结清时间，符合条件的逾期信息将分两种情形完成调整处理、 发生展示变化。第一种情形，个人已经于2025年11月30日（含）前足额偿还逾期债务的，征信系统自 2026年1月1日起不予展示相关逾期信息。第二种情形，个人于2025年12月1日至2026年3月31日之间足额 偿还逾期债务的，征信系统于次月月底前不予展示相关逾期信息。 此外，央行还提醒公众，一次性信用修复政策不收取任何费用、不需要第三方代理，任何以该政策名义 索要 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows individuals to remove overdue records from their credit reports if they repay overdue debts of 10,000 yuan or less by March 31, 2026 [7][10]. Group 1: Policy Details - The policy applies to overdue records settled between January 1, 2020, and December 31, 2025, specifically for individual credit information in the financial credit information database [3][4]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of overdue records from their credit reports [6][11]. - The overdue amount considered for this policy includes not only the principal but also interest and penalties, necessitating verification between borrowers and lending institutions [7]. Group 2: Implementation Timeline - The credit repair policy will take effect on January 1, 2026, with a three-month grace period until March 31, 2026, allowing borrowers additional time to repay [10][12]. - Overdue information will be adjusted based on the repayment date, with two scenarios: if debts are repaid by November 30, 2025, the information will be removed from January 1, 2026; if repaid between December 1, 2025, and March 31, 2026, it will be removed by the end of the month following repayment [8][9]. Group 3: Additional Measures - The People's Bank of China will increase the number of free offline credit report inquiries by two in the first half of 2026, complementing the existing online inquiry options [13]. - Individuals can check the status of their overdue information through various channels, including financial institutions' mobile apps and the credit information service platform [13].

据中国人民银行网站22日消息，中国人民银行授权全国银行间同业拆借中心公布，2025年12月22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%。以上LPR在下一次发布LPR之前有效。 所谓"贷款市场报价利率"（LPR）是由各报价行按公开市场操作利率（公开市场7天期逆回购利率）加点形成的方式报价，由全国银行间同业拆借中心计算 得出，旨在为银行贷款提供定价参考。目前，LPR包括1年期和5年期以上两个品种。 另据央行网站此前公布的消息，2025年4月21日，贷款市场报价利率（LPR）为：1年期为3.10%，5年期以上为3.60%。5月20日，1年期LPR下调至3.00%，5 年期以上LPR下调至3.50%。因此，截止目前，LPR已连续7个月保持不变。 | | | 此前中央经济工作会议指出，要继续实施适度宽松的货币政策。把促进经济稳定增长、物价合理回升作为货币政策的重要考量，灵活高效运用降准降息等多 种政策工具，保持流动性充裕，畅通货币政策传导机制，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。保持人民币汇率在合理均衡 水平上的基本稳定。 ...

经济观察网 据央视新闻客户端消息，今天，中国人民银行授权全国银行间同业拆借中心公布，2025年 12月22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%，均维持不变。 ...

北京商报讯(记者廖蒙)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，2025年12月22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%。以上LPR在下一次发布LPR之前 有效，12月LPR与前值保持一致。 ...