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]

2025.12. 22 本文字数：3677，阅读时长大约6分钟 作者 | 第一财经 杜川 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。 值得注意的是， 此次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。 简单理解， 个人经营贷、房贷、消费贷、信用卡等业务类型，只要符合相关条件，都能获得信用修 复；政策也不区分贷款机构，比如个人在花呗、京东白条等存在逾期，该笔贷款的背后放贷机构只要 接入了央行征信系统，都适用此政策。 人民银行副行长邹澜在当日召开的新闻发布会上强调，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，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；金融机构层面，有助于金融机 ...

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 ...

今天（22日），中国人民银行发布通知，实施一次性信用修复政策，支持信用受损但积极还款的个人高 效便捷重塑信用。 （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。 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： 个人如何确认本人逾期信息是否得到调整？ 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（https://www.pbccrc.org.cn）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 ...

这一政策并非简单的"松绑"，而是贯穿了"宽严相济"的治理思路，既为受不可抗力影响的诚信主体卸下 信用包袱，也坚守了信用体系的刚性底线。 "宽"首先体现于政策的初衷。作为一项精准的信用修复政策，其目的是为"非恶意"违约且已履行还款义 务的个人提供信用"重置"机会。 过去几年，受新冠疫情等不可抗力冲击，不少原本履约记录良好的个人意外陷入债务逾期困境，即便后 续全额清偿欠款，不良信用记录仍长期影响其融资、消费等活动。此次政策正是对这类群体合理诉求的 回应，让偶发困境不成为长期信用污点，体现了信用制度服务于人的温度。 "宽"也体现在操作层面。相关信用个体可以无差别享受到政策的便捷性：不区分贷款机构与贷款类型， 只要符合条件均可适用；实行"免申即享"机制，无需个人跑网点、填材料，由征信系统自动识别处理， 打消了群众办事难、办事繁的顾虑，以公平公正、简便易行的设计确保政策红利精准触达。 政策之"严"，则严在守住信用体系的刚性底线，确保救济不跑偏、约束不弱化。 每经评论员 杜恒峰 12月22日，中国人民银行正式发布《关于实施一次性信用修复政策有关安排的通知》，以明确的操作规 范，为信用受损但积极履约的个人提供了信用修复的路 ...

Report Industry Investment Rating - Not provided in the given content Core Viewpoints - On Monday, the yields of treasury bond cash bonds were short - strong and long - weak. The yields of 1 - 3Y bonds decreased by about 0.50 - 0.80bp, while the yields of 10Y and 30Y bonds increased by 1.10bp and 1.50bp to 1.85% and 2.24% respectively. Treasury bond futures weakened collectively, with the main contracts of TS, TF, T, and TL falling by 0.02%, 0.06%, 0.09%, and 0.28% respectively. The weighted average rate of DR007 fluctuated around 1.43%. [2] - In November, industrial growth and social retail sales slowed down marginally, fixed - asset investment continued to decline, and the unemployment rate remained stable. The financial data showed structural differentiation. Under the boost of direct financing, the increase in social financing exceeded expectations; credit continued to weaken, with household loans being the main drag, and the medium - and long - term investment demand of enterprises remained weak. Affected by the base effect, the growth rates of M1 and M2 declined, and the M1 - M2 gap widened again. [2] - In November, CPI continued to improve, with a year - on - year increase of 0.7%; the anti - involution effect slowed down marginally, and the year - on - year decline of PPI slightly expanded. Overseas, the core CPI in the US in November increased by 2.6% year - on - year, the lowest level since 2021. The non - farm payrolls in November exceeded expectations, but the unemployment rate unexpectedly rose to a four - year high, and the non - farm data in October was significantly revised downwards. [2] - Overall, the external demand improved slightly in November, but the internal economic momentum still needs to be boosted. The tone of the Central Economic Work Conference and the Political Bureau Meeting in December was positive, and the fiscal and monetary policies next year will continue the loose tone, increasing the expectation of loose money. However, the market still has differences on the implementation rhythm of reserve requirement ratio cuts and interest rate cuts. In the short term, there is a lack of incremental information, and the unilateral market lacks momentum. Interest rates may continue to fluctuate in the short term. [2] Summary by Relevant Catalogs 1. Futures Market - **Futures Prices and Volumes**: The closing prices of T, TF, TS, and TL main contracts were 107.980 (-0.09%), 105.860 (-0.06%), 102.464 (-0.02%), and 111.980 (-0.28%) respectively. The trading volumes of T, TF, TS, and TL main contracts were 85093 (an increase of 29051), 64185 (an increase of 8687), 35943 (an increase of 3341), and 113123 (an increase of 9517) respectively. [2] - **Futures Spreads**: For example, the spread of TL2603 - 2606 was -0.22 (-0.04↓), and the spread of T03 - TL03 was -4.00 (0.51↑). [2] - **Futures Positions**: The positions of T, TF, TS, and TL main contracts were 226386 (-4537↓), 141789 (-1573↓), 76460 (552↑), and 144814 (2892↑) respectively. The net short positions of T, TF, TS, and TL top 20 were 8966 (-2440↓), 13750 (-1437↓), 9441 (58↑), and 7330 (-1547↓) respectively. [2] 2. CTD Bonds - The net prices of some CTD bonds changed. For example, the net price of 250018.IB (6y) was 100.3406 (-0.0822↓), and the net price of 250017.IB (2y) was 100.1136 (0.0051↑). [2] 3. Active Treasury Bonds - The yields of active treasury bonds decreased. For example, the yield of 1y was 1.3525 (-1.75↓bp), and the yield of 10y was 1.8350 (-0.70↓bp). [2] 4. Short - term Interest Rates - The short - term interest rates showed different trends. For example, the silver - pledged overnight rate was 1.2736 (7.36↑bp), and the Shibor overnight rate was 1.2720 (-0.13↓bp). [2] 5. LPR Rates - The 1 - year LPR was 3.00 (0.00↑bp), and the 5 - year LPR was 3.5 (0.00↑bp). [2] 6. Open Market Operations - The issuance scale was 673 billion, the maturity scale was 1309 billion, and the interest rate was 1.4% for 7 - day reverse repurchase, with a net withdrawal of 636 billion. [2] 7. Industry News - The National Financial Regulatory Administration issued the "Measures for the Asset - Liability Management of Insurance Companies (Draft for Comment)" and solicited public opinions. [2] - The LPR quotes in December remained stable, with the 1 - year LPR at 3% and the 5 - year - plus LPR at 3.5%. [2] - The People's Bank of China issued a one - time credit repair policy, which helps individuals reshape their credit and promotes the development of inclusive finance. [2] 8. Key Points of Attention - On December 23 at 21:30, pay attention to the US Q3 core PCE price index and Q3 real GDP. [3] - On December 25, the US, Hong Kong, European, and South Korean stock markets will be closed, and Brent crude oil futures trading will be suspended. [3]

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 ...

根据现行《征信业管理条例》，违约信息的保存期限为5年，一旦逾期产生不良征信记录后，借款人及 时还清欠款，5年内仍会被各大持牌金融机构"拉黑"而陷入信用困境。 对此，南开大学金融发展研究院院长田利辉认为，这一政策明确要求一定金额以下且已归还贷款，实际 上构建了诚信过滤器，只有主动履行了还款义务的个体，才能重新获得信用重建的机会，体现了宽严相 济的原则。 田利辉介绍，实际上北京信用学会已经建议对不同贷款类型的不良信息进行不同的处理，避免一刀切。 《信用修复管理办法》也在征求意见，未来估计会按照失信严重程度设置不同的公示期限，这预示着未 来的征信体系将会更加精细化人性化，但是5年保存期作为基础的构架，应该是会通过分类管理来实现 动态调整，而非是简单的消除。现在这项政策是宏观层面的雪中送炭，能够推动我们经济的发展，也是 金融系统的固本培元，更是社会信用体系的成熟升级。 董希淼表示，对个人而言，这将有助于打破一朝失信终身受限的困境。政策明确传递出一个信号，只要 积极履行义务纠正错误，信用是可以恢复的。这将激励个人主动偿还欠款，处理历史遗留的信用问题。 董希淼表示，鼓励借款人修复信用，本质上是鼓励他们归还逾期债务，这或将 ...