（来源：经济参考报） 二是设置政策宽限期。一次性信用修复政策设置了三个月的宽限期，个人只要在宽限期内足额偿还逾期 债务，可以同样适用该项政策。同时，考虑到过节因素，人民银行将政策宽限期设置到春节后的一段时 间，也就是到2026年3月31日截止。 三是增加2次免费查询次数。《征信业管理条例》规定，个人可以每年2次免费获取本人的信用报告。考 虑到大家在政策实施后的信用报告查询需求，人民银行在2026年上半年，为每人额外增加2次免费查询 的机会。 根据相关安排，该政策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；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，将作不予展示处理。 中国人民银行副行长邹澜在新闻发布会上表示，一次性信用修复政策出台后，预计将在三个层面发挥积 极作用。在个人层面，政策为曾经失信的个人提供容错纠正的机会，有助于社会公众有效改善信用状 况，激发微观主体活力，为经济高质量发展注入内生动力。在金融机 ...

（上接1版） 这项政策的具体内容是：对于2020年1月1日至2025年12月31日期间，单笔金额不超过1万元人民币的个 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，央行征信系统将不予展示。 谈及政策标准和条件的设定的考虑，邹澜表示： 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。 精准纾困与刚性约束并重 一次性信用修复政策出台后，有望在三个层面发挥积极作用。邹澜表示，在个人层面，政策为曾经失信 的个人提供容错纠正的机会，有助于社会公众有效改善信用状况，激发微观主体活力，为经济高质量发 展注入内生动力。 在金融机构层面，政策有助于金融机构更加精准地识别个人信用状况，进一步提升普惠金融服务质效。 在经济社会层面，政策有利于强化个人在后续经济活动中的履约守信意识，有效发挥征信系统"守信激 励、失信惩戒"的基础性作用，积极构建崇信向善的诚信社会。 为了让政策更加顺畅、精准地触达每一位符合条件的个人，中国人民银行制定了三项"便民利民"措施。 中国人民银行征信管理局局长任咏梅在回答上海证券报记者提问时表示： ...

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 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals with previously damaged credit who have been actively repaying their debts, facilitating economic recovery [1] Group 1: Policy Details - The policy targets credit overdue information recorded in the People's Bank of China credit system, specifically for overdue events occurring between January 1, 2020, and December 31, 2025 [2] - The overdue amount must not exceed 10,000 yuan per instance, and the debt must be fully repaid by March 31, 2026, to qualify for credit repair [2] - Once the conditions are met, the overdue information will not be displayed in the credit report, effectively providing a "reset" opportunity for credit [2] Group 2: Application Process - Individuals do not need to apply for the policy; it is an "automatic benefit" where the credit system will identify eligible records and process them without requiring any documentation or intermediary services [3] - The policy is free of charge, and any solicitation for payment or personal information for credit repair services should be reported as fraud [3] Group 3: Changes in Credit Report - After the repair, two key changes will occur in the credit report: the repayment status will change from "overdue" to "normal," and the overdue amount will be adjusted to "0" [4] - These changes will be reflected in both the "information summary" and "credit transaction details" sections of the credit report [4] Group 4: Timeline for Changes - If debts are cleared by November 30, 2025, the overdue information will no longer be displayed starting January 1, 2026 [5] - For debts cleared between December 1, 2025, and March 31, 2026, the credit system will complete adjustments by the end of the following month [5] Group 5: Confirmation of Adjustments - Individuals can verify their credit report changes through various online and offline channels, including banking apps and credit service windows [5] - The policy aims to alleviate concerns for consumers with small overdue amounts, encouraging increased consumption and economic activity [5][6]

Group 1 - New stock offering for Hengdongguang with an issuance price of 31.59 yuan per share and a subscription limit of 461,200 shares [2] - Domestic fuel prices will decrease due to international oil price reductions, with gasoline and diesel prices lowered by 170 yuan and 165 yuan per ton respectively, translating to approximately 0.13 yuan and 0.14 yuan per liter [6] - Nanshan Aluminum plans to repurchase shares worth between 300 million to 600 million yuan [11] - Zhuoran Co. has signed a significant order worth 4.033 billion yuan through its wholly-owned subsidiary [12] - Sanhua Intelligent Control expects a net profit increase of 25% to 50% year-on-year for the fiscal year 2025 [13] Group 2 - Yichang Technology is planning a change in control, leading to a suspension of trading starting from the 23rd [10] - Reader Culture is also planning a change in control, with an expected trading suspension of no more than two trading days [10] - Xusheng Group's actual controller is set to change to the Guangzhou municipal government, with trading resuming on the 23rd [14] - Lingyun Optics intends to invest up to 500,000 USD in the initial public offering of Zhipu [15] - Current demand for optical fibers and cables in the telecommunications market remains under pressure, as noted by Changfei Optical Fiber [16]