一次性信用修复政策不区分金融机构和业务类型，也不限制笔数。同时政策实行"免申即享"，个人无需 申请和操作，也无需提交证明材料，由中国人民银行征信系统对符合条件的逾期信息进行自动识别和统 一处理。 一次性信用修复政策细则详解 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。 中国人民银行决定实施的一次性信用修复政策，具体来讲有哪些细则？ 一次性信用修复政策实施后，符合条件的逾期信息将会出现哪些展示变化？ 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？ 一次性信用修复政策主 ...

12月22日金融一线消息，央行发布关于实施一次性信用修复政策有关安排的通知。通知提到，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。 责任编辑：秦艺 责任编辑：秦艺 12月22日金融一线消息，央行发布关于实施一次性信用修复政策有关安排的通知。通知提到，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。 ...

第一，只针对个人，不区分信用卡、房贷、消费贷等业务类型。 第二，逾期时间要在2020年1月1日到2025年12月31日之间。 《金融时报》记者关注到，不少人好奇：这政策到底能帮到谁？是不是以后逾期记录都能消了？具体要 如何操作？记者给您梳理了相关要点： 其实不用复杂解读，核心就一句话——给普通人一个"信用修复"的机会，而且全程省心、门槛清晰，既 有力度又有温度。 1.大家最关心的：谁能享受这个政策？记住4个关键条件，对号入座就行： 刚刚，围绕个人征信，央行发布最新政策《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》)。 业内对此早有期待。此前，10月27日，中国人民银行行长潘功胜在2025年金融街论坛上表示，将研究实 施支持个人修复信用的政策措施。政策框架宣布后，各方都在期待政策的实施细节。 第三，单笔逾期金额在1万元以下。既帮了真正有需要的人，也守住了"守信激励、失信惩戒"的底线。 第四，必须在2026年3月31日之前把逾期的钱足额还清。这是享受修复政策的核心前提。希望大家主动 履行还款义务。 有人担心，是不是得跑网点、填一堆材料？ 这次完全不用。央行征信中心会通过系统自动筛选符 ...

Core Viewpoint - The article highlights the significant credit repair reforms in Aihui District, Heilongjiang Province, aimed at optimizing the regional business environment and enhancing the efficiency of credit repair processes for enterprises and individuals [1][2]. Group 1: Credit Repair Challenges - Historically, businesses faced difficulties in credit repair due to complex processes and long durations, often leading to restrictions in key operations like bidding [2]. - Specific examples include Heilongjiang Haihua Mall Co., Ltd., which faced limitations in bidding due to being listed as untrustworthy, despite having the capability and market opportunities [2]. Group 2: Innovations in Credit Repair - Starting in 2024, Aihui District implemented a comprehensive credit management system that includes collection, evaluation, repair, and application, shifting towards a model that emphasizes repair over punishment [3]. - The district introduced a "dual-channel" credit repair service, allowing businesses to access support both online and offline, significantly improving the efficiency of the repair process [3][4]. Group 3: Automatic Credit Repair Mechanism - An innovative "no-sense repair" approach was developed, where compliant businesses that did not actively apply for repair were automatically identified and assisted in the repair process, enhancing government service efficiency [4]. - This proactive approach has been recognized as a best practice in improving the business environment [4]. Group 4: Enhanced Regulatory Framework - Aihui District has implemented a differentiated regulatory framework for businesses that have completed credit repair, including reduced inspection frequencies and other facilitative measures [5]. - As of now, the district has collected 77,000 credit information records and conducted 9,800 industry credit evaluations, identifying over 8,000 trustworthy entities [5]. Group 5: Impact of Credit Repair Reforms - The credit repair services have effectively resolved bidding limitations for companies like Haihua Mall, injecting new momentum into their development [6]. - Since the implementation of credit repair reforms, 36 cases have been successfully completed, with over 80% processed online and an average processing time reduced to under one working day, leading to increased success rates in government procurement and financing activities [6].

Core Viewpoint - The State Administration for Market Regulation (SAMR) has announced a series of regulatory measures and achievements during the fourth quarter of 2025, focusing on key areas affecting public welfare and the economy, including platform economy, food safety, and antitrust regulations [1][2][3] Group 1: Regulatory Measures - SAMR has introduced the "Credit Repair Management Measures" and "Guidelines for Enforcement of Commercial Bank Charging Behavior" to enhance the credit repair mechanism and provide guidance for regulating bank charges, thereby reducing financing costs for enterprises [1] - New guidelines for the "Concentration Review of Non-Horizontal Operators" and "Unified Social Credit Code Management Measures" have been released to improve antitrust review rules and strengthen the social credit system [1] Group 2: Focus on Public Welfare - A series of measures have been implemented to address public concerns, including the release of the "General Implementation Rules for Industrial Product Production Licenses" and specific guidelines for 24 products to enhance quality safety governance for high-risk products [2] - The "Infant Formula Milk Powder Product Formula Registration Management Measures" have been revised to include liquid infant formula products, ensuring the safety of infant food [2] - Guidelines for compliance in pricing and measurement behaviors of urban public utilities (water, electricity, gas) will be officially published on December 19, 2025 [2] Group 3: Standardization Achievements - In 2025, SAMR led the formulation of 275 ISO and IEC international standards and proposed 459 new international standard proposals, with 38 international standards released in key areas such as 5G, semiconductors, and aerospace during the fourth quarter [2] - Proposals for new standards in cutting-edge fields like quantum technology and AI have been made, totaling 60 new proposals [2] Group 4: Future Regulatory Actions - Upcoming regulations include the "Live E-commerce Supervision Management Measures" and "Online Trading Platform Rules Supervision Management Measures" to ensure orderly development and regulation of the platform economy [3] - In the food safety sector, the "Food Commissioned Production Supervision Management Measures" and "Food Safety Responsibility Supervision Regulations for Chain Enterprises" are set to be released [3] - Antitrust regulations will see the publication of revised "Prohibition of Monopoly Agreement Regulations" and new rules to curb the abuse of administrative power that restricts competition [3] - A "National Standard Construction Special Action for Artificial Intelligence" will be initiated to lead innovation through standards [3]

三是集成发布修复流程，实现"一站指引"。在"信用中国（河南）"网站集成发布各类失信信息修复流程指引，明确信用修复的申请材料、修复流程、办理 时限等。 党的二十大报告深刻指出，"社会信用制度是市场经济基础制度"，加强信用建设不仅能有效提高市场经济运行效率，更对降低民营企业交易成本、提升融 资能力作用巨大。党中央、国务院在深入推进社会信用体系建设中，高度重视企业的关注关切，建立了信用修复这一重要制度，旨在帮助失信企业特别是 那些非主观恶意导致失信、并已积极整改的企业，更便捷地修复信用、重获发展机会，体现了信用管理的温度与包容审慎原则。近年来，为落实国家部署 和省委省政府工作安排，省发展改革委会同有关部门主要建立了便捷高效的信用修复工作机制： 一是明确公示窗口，实现信用信息"一网公示"。由"信用中国（河南）"网站统一对外公示各类信用信息，解决信用信息多头公示导致的"修复不同步"问 题。 二是推动"两书同达"，实现"一次告知"。按照"一处罚一告知"和"谁处罚谁告知"原则，处罚部门在向企业下达《行政处罚决定书》时，同步送达《行政处 罚信息信用修复告知书》，主动告知公示期、修复申请流程等内容。 12月15日，省政府新闻办 ...

Financing Activities - Ningkang Ruizhu completed over 100 million RMB Series A financing, led by Longpan Investment, with funds aimed at accelerating technology platform expansion and clinical research [3] - Anlan Power secured millions in angel financing, focusing on the iterative development and testing of electric and intelligent leisure boat products [4] - Jiang Liutong Pet Fresh Food raised 20 million RMB in angel financing, primarily for product R&D upgrades and capacity expansion [6] - Jiyouyou completed 10 million RMB in angel financing, with plans to deepen its "front store, middle clinic, back platform" strategy and digital upgrades [8] - Hualiao finished several million RMB in angel financing, aimed at enhancing its core product "Hualiao" social app and preparing for a potential listing on the Beijing Stock Exchange [9] Company Developments - Xiaohongshu announced the suspension of its "Xiaohong Card" trial operation starting January 1, 2026, due to unmet user expectations [10] - Mingming Hen Mang's listing application has been approved by the China Securities Regulatory Commission [11] Market Trends - Mixue Ice City launched a breakfast set priced at 7.9 RMB, including breakfast milk and bread, indicating a new product line [12] - Heytea closed over 600 stores within a year, with a net decrease of 711 stores, reflecting a 15.41% year-on-year decline [14] - Super Box NB, a community supermarket under Hema, opened its first production warehouse in Shandong, enhancing its supply chain [15] Consumer Insights - A recent oil price adjustment will reduce consumer costs by approximately 2 RMB for a full tank of gasoline [18] - The price of a trivalent flu vaccine has dropped to 5.5 RMB, highlighting intense competition and oversupply in the vaccine market [19]

Core Viewpoint - The People's Bank of China is set to implement policies to support personal credit repair by early 2026, addressing the issue of credit defaults on small loans since the pandemic, which highlights the importance of credit systems in inclusive finance [1][9]. Group 1: Policy and Economic Context - The new policy aims to alleviate personal credit blemishes, particularly in the context of real estate adjustments and fluctuating household incomes, emphasizing the core value of credit in inclusive finance [1]. - A significant increase in personal credit defaults has been observed, particularly among the 30-39 age group, due to rising debt pressures and unstable incomes among new citizens [6]. - The credit repair initiative is expected to address long-standing issues related to credit disputes and information correction, reflecting a balance between fairness and economic recovery needs [9]. Group 2: Role of Credit Systems - A robust credit system is essential for breaking down information silos and enabling precise financing for small and micro enterprises, which have historically struggled with lack of collateral and financial data [8]. - The credit system's evolution allows for more efficient loan approvals, with over 80% of small loan approvals now conducted online, significantly reducing financing time costs [8]. - The establishment of a credit repair mechanism demonstrates a commitment to "error tolerance," providing opportunities for those affected by the pandemic to rectify their credit status [10]. Group 3: Financial Institutions' Responsibilities - Financial institutions are becoming key players in credit reconstruction, utilizing technology to identify and assist individuals with passive defaults through various supportive measures [11]. - Institutions are encouraged to integrate credit data with other operational data to create comprehensive credit models, making credit loans a mainstay of inclusive finance [12]. - The future focus should be on enhancing risk-sharing mechanisms, promoting financial education, and ensuring collaborative data sharing to mitigate moral hazards in credit repair [12].

2025年10月，人民银行释放重磅信号，2026年初，将研究实施支持个人修复信用的政策措施，为疫情以来小额已还违约贷款"抹去"征信违约痕迹。业内认 为，这一政策背后，既能解当下房地产调整、居民收入波动下，个人信用瑕疵的民生痛点，也凸显出征信在普惠金融中的核心价值。过去，小微企业缺抵 押、新市民收入不稳，融资难成共性问题；如今，完善的征信体系不仅打破"信息孤岛"，更让无数普惠小微贷款精准落地，还能通过信用修复为困境群体开 辟"回头路"。 20251 ■ fi 避免"一刀切"高定价 众所周知，过去二十年，我国居民杠杆率持续攀升，资产配置曾高度集中于房地产。 但随着市场环境变化，就业压力增大、资产缩水等问题接踵而至，个人信用违约现象呈现结构性增长。从中国普惠金融研究院和合作机构共同开展的一项调 查结果可见，30—39岁群体成为债务压力核心人群，其资产负债表受房产价格波动冲击最为明显；此外，新市民因收入稳定性不足，信用违约风险较高，且 违约后重新进入信用市场的门槛居高不下。 信用瑕疵的连锁效应，也在侵蚀家庭财富根基。一方面，失信记录导致贷款申请受阻、融资成本上升；另一方面，居民对房地产的依赖度下降后，也面临资 产流动 ...

据潮新闻，12月10日，有网友反映，某短视频平台主播"周周珍可爱625"（实名周珍）名下控股企业涉嫌逃税，已被国家税 务总局佛山市税务局查处，涉及金额逾1600万元。 | 行政相对人名称 | 广东嘉星文化传媒有限公司 | | | | | --- | --- | --- | --- | --- | | 行政相对人类别: | 法人及非法人组织 | | | | | | 统一社会信用代码 | | 91440605MA540DLJ41 | | | 行政相对人代码: | 组织机构代码 工商注册号 | 税务登记号 | 事业单位证书号 | 轩令相给原归班号 | | | MA540DLJ4 | | | | | 法定代表人: | 1 | | | | | 法定代表人证件类型: | 身份证 | | | | | 法定代表人证件号码: | 432503*******5097 | | | | | 行政处罚决定文书号: | 佛税一稽罚〔2025〕99号 | | | | | 违法行为类型: | 逃避缴纳税款 | | | | | 苗栗状況 | 在账簿上不列或少列收入 | | | | | 处罚依据: | 《中华人民共和国税收征收管理法》第六十三条 ...