Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue credit records to restore their credit status, benefiting many citizens who meet specific criteria [1][2][4]. Group 1: Policy Implementation - The one-time credit repair policy started on January 1, 2026, and has led to a 22% increase in daily credit report inquiries in Jiangsu Province compared to December 2025 [1]. - The policy is designed to help individuals who have overdue records from January 1, 2020, to December 31, 2025, provided they repay their overdue debts by March 31, 2026 [2][4]. Group 2: Beneficiaries and Impact - Individuals like Mr. Li and Mr. Fang have successfully benefited from the policy, with Mr. Fang receiving a loan approval of 200,000 yuan to expand his agricultural business [2]. - The policy aims to stimulate consumer spending and support small businesses by improving access to credit, thereby revitalizing the micro-market resources [4]. Group 3: Financial Institutions' Response - Financial institutions, including major banks, have enhanced their services to facilitate the policy's implementation, ensuring eligible individuals can easily check their credit status and access benefits [3]. - Banks have optimized their mobile banking apps and established customer support systems to assist clients in understanding and utilizing the new policy [3]. Group 4: Future Directions - The People's Bank of China plans to further advance credit repair and credit services, aiming to inject sustained momentum into consumer spending and the development of the real economy in Jiangsu [5].

其中提到，落实好一次性个人信用修复政策，挖掘释放消费潜力，扩大消费领域金融供给。针对暂时遇 到困难、因非主观因素难以按期偿还贷款和信用卡欠款的个人，开展个人消费贷款和信用卡纾困，银行 业金融机构可根据借款人还款保障，主动商定贷款偿还的期限、频次，根据借款人申请，经审核合格后 为符合条件的借款人提供续贷支持。指导辖内金融机构细化操作流程，对符合条件的借款人探索实 施"免申即享"。针对有市场、有前景、临时还款困难的企业，倡导金融机构与企业平等协商，灵活运用 续贷、展期、调整还款计划、减免息费等方式，帮助企业渡过难关，实现"信用修复、信贷支持、经营 恢复、信用提升"的良性循环。 北京商报讯（记者 刘四红）2026年1月8日，据"首都金融"消息，北京市开展金融服务温度提升工程"倡 议书"，人民银行北京市分行、北京金融监管局、市委金融办、市经济和信息化局、市政务服务和数据 管理局等部门联合提出倡议。 ...

今年伊始，一次性信用修复政策落地，你的个人信用报告更新了吗？ 在甘肃临夏州，东乡族群众马哈麦带着刚打印的征信报告，来到甘肃银行临夏分行准备办理个人住房贷 款。 "去年底我还不敢想贷款买房，因为我的个人信用报告上有好几笔逾期记录，今年这些已结清欠款的逾 期记录不再显示，我的房贷也有着落了。"马哈麦说。 不过，也有个别网友表示自己的信用报告没发生变化。记者了解到，享受此次政策需要符合一定条件： 近日，记者采访了解到，不少在规定时间内还清贷款的人发现个人信用报告已经更新，1万元以下逾期 记录已不在信用报告中显示。 "新年新气象，从信用报告更新开始！"在四川自贡做瓷砖生意的张先生告诉记者，2021年因为经营困 难，他的信用卡一度出现逾期，虽然额度不大且已结清，但因为有逾期记录他很难在银行获得贷款。今 年初，他惊喜地发现信用报告已经更新，逾期记录不再显示，"贷款资金有眉目了"。 去年12月，中国人民银行发布一次性信用修复政策，明确自2026年1月1日起，符合相关条件的逾期信 息，将不会在个人信用报告中予以显示。 这几天，已经有不少网友在社交平台上晒出了个人信用报告的"对比图"。 一位山西网友去年9月份的个人信用报告显示 ...

Group 1 - The China Interbank Market Dealers Association is increasing penalties for violations related to bond transaction record-keeping, as many institutions have failed to comply with regulations, hindering effective supervision and enforcement [1] - The Ministry of Commerce and nine other departments are encouraging financial institutions to increase support for green consumption loans, promoting collaboration between financial institutions and trade enterprises to expand the application scenarios for these loans [2] - Several small and medium-sized banks have suspended overseas debit card transactions due to rampant overseas card fraud, indicating a consensus in the industry to enhance risk control measures [3] Group 2 - The newly established financial asset investment companies, such as Xingyin Investment and Zhaoyin Investment, have quickly secured projects, with Xingyin Investment reporting over 6 billion yuan in investments within 45 days of operation, showcasing a divergence in project focus compared to state-owned banks [4] - The implementation of personal credit repair policies starting January 1, 2026, has led to the emergence of illegal intermediaries offering services to "clean" large overdue debts, charging fees ranging from 3,000 to 10,000 yuan [5] - A significant number of banks have appointed chief compliance officers in response to regulatory requirements, with multiple banks announcing such appointments within a month [6] Group 3 - Zhou Feng has been approved to serve as the president of Zhongyuan Bank, with his term starting from December 31, 2025, until the next board election [7] - The banking wealth management sector is expected to shift focus from scale expansion to stability in returns, with a projected 10% growth in market size for 2026, emphasizing a return to genuine stability [8] - The payment industry is undergoing a significant cleanup, with the recent cancellation of the payment license for Zhonggang Yintong, marking the 108th license to be revoked [9] - Wang Feng, the chairman of Bozhou Yaodu Rural Commercial Bank, is under investigation for serious violations of discipline and law, marking a notable case in the banking sector [10]

Core Viewpoint - The implementation of personal credit repair policies starting January 1, 2026, has led to a surge in interest among borrowers, but it has also created a market for illegal intermediaries targeting those with large overdue debts who do not qualify for the new policy [1][2]. Group 1: Policy Implementation and Impact - The new credit repair policy allows borrowers with overdue amounts of less than 10,000 yuan from 2020 to 2025 to benefit from a one-time credit repair without application, effective until March 31, 2026 [2]. - Many borrowers have shared their success stories of clearing overdue records, highlighting the policy's immediate benefits [2]. Group 2: Intermediary Exploitation - Some intermediaries are exploiting the anxiety of borrowers with overdue amounts exceeding 10,000 yuan, offering services to "clean" their credit records for fees ranging from 3,000 to 10,000 yuan [1][3]. - These intermediaries claim high success rates in repairing credit through negotiations with banks, but their methods often involve misleading practices [3][4]. Group 3: Risks and Misleading Practices - The services offered by intermediaries often come with significant risks, including potential financial loss, legal issues, and personal information leakage [5][6]. - Some intermediaries sell misleading tutorials on how to submit credit disputes, which may encourage borrowers to fabricate reasons for their overdue payments [4][6]. Group 4: Regulatory Warnings - Regulatory authorities have warned that the credit repair policy is free and does not require third-party involvement, emphasizing that any requests for payment or personal information under this policy are fraudulent [7][8]. - Financial institutions have also cautioned against intermediaries claiming they can remove overdue records, reiterating that legitimate credit repair must be conducted through official channels [7][8].

Core Viewpoint - The implementation of the personal credit repair policy starting January 1, 2026, has led to a surge in borrowers sharing their success stories of clearing overdue records, while those with larger overdue amounts face anxiety due to the policy's limitations. This gap has attracted illegal intermediaries offering risky "credit washing" services for a fee [1][2][3]. Group 1: Policy Implementation and Impact - The new credit repair policy allows borrowers with overdue amounts of less than 10,000 yuan from 2020 to 2025 to benefit from a one-time credit repair service without application, provided they settle their debts by the end of March 2026 [2][6]. - Many borrowers have reported successful removal of overdue records, showcasing the policy's immediate benefits [2][6]. Group 2: Intermediary Exploitation - Some intermediaries are capitalizing on the anxiety of borrowers whose overdue amounts exceed the policy limits, offering services under the guise of "free credit checks" and "credit repair" [2][4]. - These intermediaries claim high success rates for credit repair through negotiations with banks, often charging fees ranging from 3,000 to 10,000 yuan depending on the type of bank involved [3][4]. Group 3: Risks Associated with Intermediaries - The services offered by these intermediaries come with significant risks, including potential financial loss, legal issues from fraudulent activities, and the risk of personal information leakage [5][7]. - Many intermediaries promote misleading tutorials that encourage borrowers to fabricate reasons for overdue payments, which can lead to further complications and legal repercussions [4][8]. Group 4: Regulatory Warnings and Best Practices - Regulatory authorities have warned that the credit repair policy is entirely free and does not require third-party involvement, emphasizing that any requests for payment or personal information under this policy are fraudulent [8][9]. - Borrowers are advised to adhere to the principles of "official, free, and proactive" when seeking credit repair, and to communicate directly with financial institutions to resolve overdue debts [9].

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows certain overdue loan records to be removed from personal credit reports, effective January 1, 2025, aimed at helping individuals restore their credit status more quickly [1][2]. Group 1: Policy Implementation - The one-time credit repair policy was officially announced on December 22, 2025, and is designed to assist individuals with overdue records that have been repaid [1]. - The policy allows for the automatic removal of overdue records for eligible individuals without requiring them to submit applications or visit bank branches, making it an "automatic benefit" [3]. Group 2: Eligibility Criteria - The policy applies only to overdue information displayed in the central bank's credit system, specifically for overdue records generated between January 1, 2020, and December 31, 2025 [2]. - The overdue amount must not exceed 10,000 yuan for each instance, and individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of records [2]. Group 3: Impact on Individuals - Many citizens have reported that their overdue records have been eliminated, which is crucial for obtaining loans and credit, as negative credit records can hinder loan approvals and affect interest rates [3]. - The policy is expected to significantly improve the credit status of individuals who meet the criteria, thereby facilitating better access to financial products [3].

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at alleviating the burden on individuals who have experienced overdue debts due to unforeseen circumstances, such as the COVID-19 pandemic, allowing them to restore their credit status under specific conditions [2][3]. Group 1: Policy Details - The one-time credit repair policy will take effect on January 1, 2026, allowing individuals to have overdue records cleared if they repay debts of up to 10,000 RMB by March 31, 2026 [2]. - The policy is designed to provide flexibility for non-malicious defaulters, reflecting a shift in social governance from strict credit punishment to a balance of credit punishment and repair [2][3]. Group 2: Implementation and Impact - The policy includes measures such as "automatic enjoyment" of benefits and additional opportunities for individuals to check their credit reports for free, facilitating effective implementation [3]. - The expected outcomes of the policy include encouraging individuals to repay debts promptly and stimulating consumer spending, which is crucial for economic recovery [3]. Group 3: Considerations and Limitations - While the repair of credit records will aid in meeting future loan demands, it is important to note that credit records are just one aspect of risk assessment, with income stability and debt levels also being critical factors [4]. - The policy is a unique, one-time opportunity that should be approached with caution, emphasizing the importance of responsible borrowing and credit management [4].

Core Viewpoint - The article discusses the recent implementation of a one-time credit repair policy by the People's Bank of China, which allows individuals with overdue records to have their credit reports updated, effectively removing certain overdue information if specific conditions are met [8][19]. Group 1: Policy Details - The one-time credit repair policy was announced on December 22, 2025, and aims to support individuals with damaged credit who have actively repaid their debts [8]. - 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 [19]. - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy, which will automatically identify and process eligible overdue records without requiring any application [19][21]. Group 2: Impact on Credit Reports - Following the policy's implementation, overdue records that meet the criteria will have their repayment status changed from overdue to normal, and overdue amounts will be adjusted to zero in credit reports [10][19]. - Users have reported that their credit reports reflect these changes, with overdue account numbers and details being cleared [8][10]. Group 3: Benefits and Implications - The policy is designed to alleviate the "credit dilemma" faced by individuals, encouraging them to resolve historical credit issues and restore their financial credibility [23][24]. - It is emphasized that this policy does not erase debt obligations; individuals must still fulfill their repayment responsibilities to benefit from the credit record adjustments [23][24]. - The initiative is expected to improve the relationship between financial institutions and clients, as it encourages individuals to maintain and protect their credit status, ultimately enhancing the overall credit ecosystem [24].

Core Viewpoint - The recent implementation of a one-time credit repair policy by the People's Bank of China has led to a significant reduction or elimination of overdue records for eligible individuals, enhancing their credit status and financial opportunities [9][10]. Group 1: Policy Details - The one-time credit repair policy allows individuals with overdue records from January 1, 2020, to December 31, 2025, to have their overdue information removed if they repay their debts in full by March 31, 2026 [9][12]. - The policy applies to overdue amounts not exceeding 10,000 RMB per instance, and it is automatically processed without the need for individuals to apply or provide documentation [9][12]. - Adjustments to credit reports will reflect overdue accounts as normal, and overdue amounts will be shown as zero, enhancing the creditworthiness of individuals who meet the criteria [10][12]. Group 2: Implementation and Impact - The policy has already been implemented, with many users confirming the positive effects through updated credit reports that show cleared overdue records [9][10]. - The People's Bank of China will increase the number of free credit report queries in the first half of 2026, allowing individuals to check their credit status more easily [13]. - The policy aims to address the "credit dilemma" faced by individuals who have repaid their debts, encouraging them to restore their credit status and improve their financial situation [14][15]. Group 3: Industry Implications - The one-time credit repair policy is expected to enhance the credit decision-making process for financial institutions, allowing for more accurate assessments of borrowers' creditworthiness [15]. - By encouraging individuals to repay overdue debts, the policy may help banks recover loans and improve asset quality, thus promoting inclusive finance [14][15]. - The initiative is designed to support non-malicious defaulters while maintaining strict conditions to prevent abuse of the credit system, ensuring that future credit records remain relevant and impactful [15].