（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。 一次性信用修复政策细则详解 问：符合哪些条件的逾期信息可以适用一次性信用修复政策，作不予展示处理？ 答：一次性信用修复政策主要有四个方面的适用条件，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。 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。 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 ...

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing for efficient and convenient credit restoration [1]. Group 1: Policy Details - The one-time credit repair policy will automatically identify and process eligible overdue information without requiring individuals to apply or submit any documentation [4]. - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the policy [3]. Group 2: Changes in Credit Reporting - After the implementation of the policy, the "repayment status" will change from overdue to normal, and the "overdue amount" will be adjusted from a non-zero value below 10,000 yuan to zero [6]. - Individuals who repay their overdue debts by November 30, 2025, will see the changes reflected in the credit reporting system starting January 1, 2026 [6]. - For those who repay between December 1, 2025, and March 31, 2026, the changes will be reflected by the end of the following month [6]. Group 3: Confirmation of Adjustments - Individuals can confirm whether their overdue information has been adjusted through online queries via mobile banking apps, online banking, and the official website of the People's Bank of China [7].

Core Viewpoint - The People's Bank of China (PBOC) has implemented a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts, marking a shift from a purely punitive credit system to one that balances both punishment and repair [1][5]. Group 1: Policy Details - The policy allows for the removal of individual overdue records for amounts not exceeding 10,000 RMB if the debts are fully repaid by March 31, 2026 [2]. - The credit repair initiative is automatic, requiring no application or documentation from individuals, as the PBOC's credit system will identify and process eligible overdue information [6][8]. - The policy applies uniformly across different types of loans, including credit cards, mortgages, and consumer loans, ensuring that all eligible individuals can benefit [9]. Group 2: Implications for Credit System - This policy reflects a growing awareness of personal credit issues and aims to enhance the humanization of the credit system, transitioning from rigid punitive measures to a more flexible approach [10][12]. - The PBOC's credit system, which has recorded information on 1.16 billion individuals, is a crucial financial infrastructure that supports credit approval processes in financial institutions [12]. - The policy establishes a clear boundary by excluding individuals with unresolved debts from the repair scope, maintaining the integrity of the credit system [12]. Group 3: Additional Benefits - As part of the policy, the PBOC will increase the number of free personal credit report queries to two additional opportunities in the first half of 2026, allowing individuals to monitor their credit status more effectively [14]. - Individuals can access their credit reports through various online and offline channels, including banking apps and self-service kiosks [16].

12月22日，央行发布了一次性信用修复政策。很多人都关心，还款的时候要注意啥？怎么确认自己能不 能享受政策？今天就把官方权威解答翻译成大白话，分两大块给大家讲清楚，跟着做就能少走弯路～ 一、怎么确认自己符合政策？记住"一查二问三认" 这次政策是"免申即享"，不用你跑网点、填材料，系统会自动识别符合条件的人。但想知道自己能不能 享受、有没有成功修复，按这三步来就行～ 1. 第一步：查——线上线下都能查，优先选线上更方便 想知道自己有没有符合条件的逾期记录，先查个人信用报告就行。如果报告里没有逾期信息，就不用再 操心啦。 查询渠道很便捷，分为线上方式和线下方式： 线上查询：7*24小时可用，全程免费，无需跑腿排队。可通过部分商业银行手机银行APP、网上银行、 银联云闪付APP、人民银行征信中心官网办理。 线下查询：为了兼顾不同人群的查询需求，不熟悉线上操作或有特殊需求的信息主体可以到线下服务网 点查询。具体网点和渠道可以登录征信中心的微信公众号或者网站查询。 2. 第二步：问——有疑问找贷款银行，最准确 如果查了报告还有疑问，直接找当初给你放贷的银行咨询。银行会告诉你逾期的具体情况，以及你是否 符合修复条件。 要 ...

▍来源：央视新闻 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。 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。 个人如何确认本人逾期信息是否得到调整？ ▍版权归原作者所有，如有侵权请联系我们及时处理 如何快速地找到我们 关于我们 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。 ...

Core Viewpoint - The People's Bank of China has introduced a new policy aimed at removing small overdue records from personal credit reports, providing a rare opportunity for millions of families to restore their credit status [1][4]. Group 1: Policy Implementation - The policy allows for automatic removal of overdue records for amounts under 10,000 yuan if repaid by March 31, 2024, without the need for application [1][4]. - This initiative reflects a balance between punishment and forgiveness, acknowledging the financial difficulties faced by many during the pandemic [4][5]. Group 2: Policy Boundaries - The policy is defined by four clear boundaries to prevent misuse: 1. Overdue records must be from January 1, 2020, to December 31, 2025 [6]. 2. The principal amount must not exceed 10,000 yuan [7]. 3. Full repayment must occur by March 31, 2026 [8]. 4. It primarily benefits non-malicious, small, and occasional overdue cases [9][10]. Group 3: Underlying Issues - Many individuals face credit issues not from small overdue payments but from falling into high-interest loans and predatory lending traps [11]. - These predatory lenders often exploit urgent financial needs, leading to a cycle of debt that is difficult to escape [11][12]. Group 4: Post-Policy Considerations - The introduction of the policy has already attracted fraudulent schemes promising to erase credit blemishes for a fee, which the central bank has warned against [14]. - The policy offers a valuable opportunity for financial reset, emphasizing the importance of responsible borrowing and spending habits [14]. Group 5: Call for Further Action - While the new policy is a positive step, there is a call for stronger regulatory measures to eliminate illegal high-interest and predatory lending practices [15][16]. - Establishing a transparent and fair lending environment is crucial to prevent the cycle of debt and ensure financial stability for families [16].

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently and conveniently rebuild their credit [1][11]. Summary by Sections Policy Implementation - The one-time credit repair policy applies to personal credit overdue information displayed in the central bank's credit system, specifically for overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [2][12]. - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from this policy [1][11]. Execution Standards - The policy is designed to be fair and straightforward, not distinguishing between loan institutions or types, and does not require complex application procedures [3][4]. - It aims to support small overdue amounts while maintaining credit constraints for those who have not repaid on time or have larger overdue amounts [4][12]. Convenience Measures - The policy includes three "convenience measures": automatic identification and processing of eligible overdue information without the need for application or documentation; a three-month grace period until March 31, 2026, for debt repayment; and an additional two free credit report inquiries for individuals in the first half of 2026 [5][14]. Changes to Credit Reports - After the implementation of the policy, eligible overdue information will have its "repayment status" changed from overdue to normal, and the overdue amount will be adjusted to zero in the credit report [6][14]. - Adjustments will occur based on the timing of debt repayment, with specific conditions for those who repay by November 30, 2025, and those who repay between December 1, 2025, and March 31, 2026 [8][15]. Warnings Against Fraud - The bank has cautioned individuals to confirm repayment amounts with financial institutions to avoid missing the policy benefits and to be wary of fraudulent intermediaries claiming to assist with the process [9][16]. - The People's Bank of China emphasizes that the credit repair policy does not incur any fees and does not require third-party agents, warning against scams [10][17].

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at individuals who have fully repaid overdue debts of less than 10,000 yuan, effective from January 1, 2026, while excluding malicious debt evaders [1][3]. Group 1: Policy Details - The one-time credit repair policy will apply to personal overdue records that are fully repaid and amount to less than 10,000 yuan, with the implementation date set for January 1, 2026 [1]. - The policy is designed to provide a formal channel for credit repair for those who have fulfilled their repayment obligations, emphasizing that it is not a means to "wash" credit records [5][8]. - The credit repair process will be conducted automatically by the credit reporting center of the People's Bank of China, ensuring that it is free of charge and does not require third-party intermediaries [7]. Group 2: Social Impact and Governance - The policy aims to enhance social governance effectiveness by maintaining strict boundaries against malicious debt evasion and serious overdue behaviors, thereby reinforcing the integrity of the social credit system [4]. - Experts highlight that the policy reflects a balance between strict enforcement and humanistic considerations, providing opportunities for credit repair while ensuring that trustworthiness is rewarded [4][6]. - The initiative is seen as a way to inject vitality into economic circulation and improve the understanding of customer credit status among financial institutions, potentially expanding quality customer bases and stimulating credit demand [3]. Group 3: Public Awareness and Cautions - The public is advised to be cautious of any claims regarding paid credit repair services, as the process is entirely free and any such claims are considered fraudulent [7]. - The policy emphasizes that credit repair does not equate to debt forgiveness; full repayment of debts is a prerequisite for benefiting from the credit record adjustments [8]. - The credit repair policy is strictly limited to specific overdue records that meet the outlined criteria, reinforcing the principle of accountability within the credit system [6][8].

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at improving credit conditions for individuals and enhancing the overall economic environment [1] Group 1: Individual Level Impact - The policy provides an opportunity for individuals with past credit issues to correct their mistakes, which is expected to improve their credit status and stimulate economic activity [1] - It aims to invigorate microeconomic entities by enhancing their creditworthiness, thereby contributing to high-quality economic development [1] Group 2: Financial Institutions Impact - The policy will assist financial institutions in more accurately identifying individual credit statuses, which is expected to improve the quality and efficiency of inclusive financial services [1] Group 3: Societal Impact - The initiative is designed to strengthen individuals' awareness of fulfilling obligations in future economic activities, reinforcing the foundational role of the credit system in incentivizing trustworthiness and penalizing dishonesty [1] - It aims to actively foster a society that values integrity and promotes positive behavior [1]

每经记者|张寿林 每经编辑|陈俊杰 12月22日，人民银行最新披露，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。 工商银行副行长赵桂德指出，一次性信用修复政策是人民银行帮助群众高效便捷、重塑信用的重要举 措，工商银行积极参与了政策制定的相关工作。 征信系统提供的个人信用报告，是银行开展授信审批、风险定价、贷后管理的重要参考之一。 赵桂德说，一次性信用修复政策能够帮助商业银行更加准确识别借款人的真实状况。通过实施更加有效 的信贷投放策略，进一步提升金融服务的精准性和有效性。此外，政策有利于重塑客户关系。一次性信 用修复政策实施后，相信大家会更加珍视并积极维护自身的信用，商业银行也能够在此基础上更好满足 客户合理的融资需求。这将有利于商业银行与个人客户之间保持良好关系，为客户提供更好的金融服 务，打造金融领域良好的信用生态。 每经记者|张寿林 每经编辑|陈俊杰 12月22日，人民银行最新披露，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 ...