Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing overdue information from credit reports under specific conditions [3][4]. Group 1: Policy Introduction - The one-time credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to rebuild their credit without the burden of past overdue records [3][4]. - The credit reporting system has collected information on 1.16 billion individuals, with 810 million having credit records, and an annual query volume of 6.58 billion times as of the end of November [3]. Group 2: Eligibility Criteria - The policy specifies that eligible overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and the debt must be fully repaid by March 31, 2026 [4][5]. - The policy emphasizes convenience, allowing automatic adjustments without the need for individuals to apply or provide documentation, covering various types of debts [4][5]. Group 3: Implementation and Benefits - The policy includes a three-month grace period for individuals to settle their overdue debts, facilitating broader access and providing ample time for repayment [5]. - After the policy's implementation, overdue information will be updated in credit reports, changing the status from overdue to normal and reflecting the overdue amount as zero for those who repay their debts on time [6]. - The policy maintains a strict boundary by excluding those who have not settled their debts, ensuring the integrity of the credit system while promoting financial inclusivity [6].

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows individuals to have overdue information removed from their credit reports if they repay debts by March 31, 2026, without needing to apply or pay any fees [2][3]. Group 1: Policy Details - The policy applies to personal overdue information for amounts not exceeding 10,000 RMB, dated between January 1, 2020, and December 31, 2025 [2]. - The credit repair process is automatic, with the credit reporting system identifying eligible overdue information without requiring any action from individuals [2]. - The policy is free of charge, and any solicitation for payment related to this policy is considered fraudulent [2]. Group 2: Implementation Timeline - Overdue information will be adjusted based on when the debts are settled: - If debts are repaid by November 30, 2025, the information will not be displayed starting January 1, 2026 [3]. - If debts are repaid between December 1, 2025, and March 31, 2026, the information will be updated by the end of the following month [3]. Group 3: Credit Report Inquiry - Individuals can check their credit report to confirm the status of overdue information through online and offline methods [4]. - The People's Bank of China will provide two additional opportunities for free offline credit report inquiries in the first half of 2026 [4]. - For questions regarding the applicability of the policy, individuals can contact lending institutions or the credit reporting service hotline [4].

2025.12. 23 本文字数：1300，阅读时长大约2.5分钟 作者 | 第一财经 亓宁 12月22日，中国人民银行重磅推出一次性信用修复政策，各贷款机构如何具体落地备受关注。 当日晚间，农业银行率先发布《关于一次性信用修复政策客户关注问题解答》（下称《解答》），回 应了具体执行过程中部分热点问题。 《解答》称，一次性信用修复政策需要同时具备以下四个条件：一是适用对象限定于个人在金融信用 信息基础数据库（即中国人民银行征信系统）中展示的信贷逾期信息；二是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；三是适用金额为单笔逾期金额不超过1万元；四 是适用前提是个人在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，将作 不予展示处理。 农业银行强调，本次政策不区分信用卡、房贷、消费贷等业务类型，只要符合上述条件的个人信贷业 务，都能获得信用修复。 如何理解"足额偿还债务"？《解答》提到，足额偿还债务指2026年3月31日（含）前足额偿还历史 逾期债务（包含本金、利息及罚息等），并按时偿还当月应还款，并提示客户可通过该行营业网点柜 台、手机银行APP，查询在农 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows eligible overdue information to be excluded from personal credit reports, effective from January 1, 2026, aiming to facilitate the rebuilding of personal credit [1][3]. Group 1: Policy Details - The policy applies to overdue information from January 1, 2020, to December 31, 2025, with specific conditions: the overdue amount must be less than or equal to 10,000 yuan, and the debt must be settled by March 31, 2026 [3][4]. - The policy is designed to support individuals who experienced financial difficulties due to the pandemic, distinguishing between small, unintentional defaults and larger, intentional defaults [4][10]. - The credit repair process is automatic, requiring no application or documentation from individuals, thereby minimizing administrative burdens [7][14]. Group 2: Expected Impact - The policy is expected to benefit millions, particularly those who faced small overdue amounts due to income loss during the pandemic, including young professionals and small business owners [10][11]. - It aims to improve credit accessibility for consumers, thereby enhancing their financial stability and boosting overall consumption, which is crucial for economic recovery [10][11]. - Financial institutions will benefit from improved credit assessment capabilities, leading to better resource allocation and risk management [5][11]. Group 3: Future Directions - The policy may evolve from a one-time relief measure to a long-term mechanism, focusing on diverse credit products and enhanced consumer rights protection [11][12]. - The People's Bank of China plans to strengthen the regulatory framework around credit information collection and usage, aiming to combat illegal practices in credit repair [12][13].

拍摄：贺新、秦彦娟 制作：胡戈 新华社国内部出品 策划：邹伟 主编：于佳欣、刘夏村 记者：刘慧、吴雨、任军 【纠错】 【责任编辑:施歌】 ...

中国人民银行重磅推出一次性信用修复政策，为非恶意失信且已结清欠款的个人群体点亮了信用重塑之 路。 12月22日，央行发布关于实施一次性信用修复政策有关安排的通知，自2026年1月1日起正式实施。通知 明确，对于2020年1月1日至2025年12月31日期间，单笔金额不超过10000元人民币的逾期，央行推出一 次性信用修复政策。 谁能受益，如何修复？ 此次修复政策具有明确的适用范围与便捷的实施流程，其核心可概括为"特定区间、小额逾期、免申即 享"。 在适用范围与条件方面，政策适用对象限定于个人在央行征信系统中展示的信贷逾期信息，主要惠及在 2020年1月1日至2025年12月31日期间发生、单笔逾期金额不超过1万元的信贷记录。个人只需在2026年3 月31日前足额偿还欠款，相关逾期信息将不再展示于信用报告中。 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 ...

第三个问题：修复之后，我的征信报告会有什么变化？ 很简单，两个关键数据会调整：一是还款状态：从"逾期"变成"正常"。二是逾期金额变成"0"。而且， 这个变化会在征信报告的"信息概要"和"信贷交易信息明细"两个模块里同步体现，让你的信用状况看起 来焕然一新。 第四个问题：什么时候能看到变化？ 根据你的还款时间，分两种情况：如果你在2025年11月30日之前还清了欠款，那么从2026年1月1日起， 逾期信息就不再展示。 如果你是在2025年12月1日到2026年3月31日之间还清的，那么征信系统会在次月月底前完成调整。还是 不明白？那就举个例子！ 你2026年1月还清，那2月底就能看到自己的信用记录恢复正常啦。 一次性信用修复政策落地了！这个政策到底是怎么回事？今天要跟大家聊一个重磅好消息——就在12月 22日，央行发布通知，为了帮助那些信用曾经受损，但一直积极还款的个人，更加高效、便捷地重塑信 用，推动经济持续回升向好，决定推出一次性信用修复政策。 很多朋友可能会问：啥是一次性信用修复政策？这政策到底能帮我什么？我的逾期记录能不能被修复？ 需不需要我去跑腿申请？别急，下面几个问题，一次性就给你讲清楚。 第一个问 ...

重要的消息有哪些 12月23日（周二）申购提示 4．中国人民银行决定实施一次性信用修复政策。对于2020年1月1日至2025年12月31日期间，单笔金额 不超过10000元人民币的个人逾期信息，个人于2026年3月31日（含）前足额偿还逾期债务的，金融信用 信息基础数据库将不予展示。其中：（一）个人于2025年11月30日（含）前足额偿还逾期债务的，金融 信用信息基础数据库自2026年1月1日起不予展示相关逾期信息；（二）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，金融信用信息基础数据库于次月月底前不予展示相关逾期信息。 1．近日，中共中央办公厅、国务院办公厅印发了《关于做好2026年元旦春节期间有关工作的通知》。 《通知》提出，确保市场供应平稳有序。全力做好煤电油气生产、运输保障，确保民生用能保供稳价， 保障群众温暖过冬。落实粮食安全党政同责和"菜篮子"市长负责制，强化市场监测预警，发挥交通物流 保通保畅工作机制作用，保障粮油肉蛋奶果蔬等生活必需品供应充足、价格平稳。扩大优质商品和服务 供给，创新多元消费场景，激发假期消费潜力。强化餐饮服务食品安全和市场销售食用农产品质量安全 ...

12月22日，相关受访专家提到，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。信用修复机制重点在于"教育"与"救济"，政策的核心目标是教育和救济那些非恶意失 信的群体，而非包庇和纵容"老赖"。 12月22日，中国人民银行发布一次性信用修复政策。对于2020年1月1日至2025年12月31日期间，单笔金 额不超过10000元人民币的个人逾期信息，个人于2026年3月31日（含）前足额偿还逾期债务的，金融信 用信息基础数据库将不予展示。 据悉，一次性信用修复无需个人申请办理，且政策不区分贷款机构、贷款类型。 简单来说，2020年到2025年这六年里单笔不超过一万元的逾期，只要能在2026年3月31日（含）前足额 偿还，此前在征信系统中显示的逾期将不再显示。消费贷、信用卡和个人经营贷等都在其中，花呗、白 条等网贷逾期，如果纳入征信系统的，同样在修复之列。2026年之后的逾期，则不在此次修复之列。 北京银行行长戴炜在发布会上还举例提到，站在金融机构的角度，足额偿还逾期债务，是指借款人足额 偿还了历史逾期欠款并按时偿还当月应还款。以每月10日还款1000元的等额本息贷款为例，若截至2 ...

Group 1 - The People's Bank of China has announced a one-time credit repair policy, allowing individuals to have overdue information removed from the financial credit information database if they repay overdue debts of up to 10,000 RMB by March 31, 2026 [1] Group 2 - In the next two weeks, 46 routes between China and Japan will cancel all flights, with a total of 2,195 flights canceled from mainland China to Japan by December 22, 2025, resulting in a cancellation rate of 40.4% [2] Group 3 - Four new stocks in Hong Kong experienced a collective drop on their first trading day, with Mindray Hospital falling nearly 50%, marking the worst performance for new stocks this year [4] Group 4 - The U.S. Secretary of State emphasized the importance of maintaining relations with China while continuing strong partnerships with Japan, indicating a balanced approach to U.S. policy in the Asia-Pacific region [3][10] Group 5 - Zhiyuan Robotics expects to achieve sales revenue exceeding 1 billion RMB this year, with plans for significant growth in robot shipments and revenue in the coming years [4] Group 6 - The State-owned Assets Supervision and Administration Commission of China is committed to deepening cooperation with Hong Kong to enhance its status as a financial center and support the internationalization of the RMB [6] Group 7 - The Ministry of Commerce announced temporary countervailing measures on imported dairy products from the EU, effective December 23, 2025 [10]