下阶段，中国人民银行将继续实施好适度宽松的货币政策，充分发挥货币信贷政策导向作用，实施好创 业担保贷款、国家助学贷款政策，支持重点群体创业就业和就学，推动落地各项金融支持服务消费政 策，落实好一次性信用修复政策，引导更多金融资源支持提振和扩大服务消费。持续深化明示企业贷款 综合融资成本试点，促进社会综合融资成本低位运行。 昨天，中国人民银行发布2025年第四季度中国货币政策执行报告，报告显示，2025年适度宽松的货币政 策效果逐步显现，今年将继续实施好适度宽松的货币政策，保持流动性充裕和社会融资条件相对宽松。 报告显示，2025年信贷结构持续优化，年末科技贷款、绿色贷款、普惠贷款、养老产业贷款、数字经济 产业贷款均保持两位数增长；人民币汇率在复杂形势下保持基本稳定，2025年末，人民币对美元汇率收 盘价为6.9890元，较2024年末升值4.4%。 ...

Core Viewpoint - The People's Bank of China (PBOC) Hainan Branch is committed to supporting the high-quality economic and social development of Hainan Province by implementing a moderately loose monetary policy and promoting financial reform and innovation by 2025 [1] Financial Support and Credit Growth - By the end of 2025, the total balance of loans in Hainan Province reached 1,405.7 billion yuan, with a year-on-year growth of 10.7%, ranking second in the country and exceeding the national average by 4.5 percentage points [2] - The balance of foreign currency loans reached 18.5 billion USD, ranking sixth nationally [2] - Structural monetary policy tools were effectively utilized, with a total of 16.555 billion yuan allocated for agricultural and small business support loans, guiding financial resources to key areas [2] - Personal consumption loans (excluding housing loans) increased by 9.2% year-on-year, stimulating domestic demand [2] Financing Costs and Transparency - The average interest rate for newly issued corporate loans in Hainan was 2.91%, and for personal housing loans, it was 3.11%, down by 47 and 44 basis points respectively from the previous year [3] - A pilot program in Haikou, Sanya, and Danzhou saved enterprises approximately 3.7 million yuan in financing costs through transparency in loan costs [3] Cross-Border Financial Innovation - The cross-border payment scale in Hainan reached 115.4 billion USD, a year-on-year increase of 6.1%, while cross-border RMB settlements amounted to 551.4 billion yuan, up 11.6% [4] - The cross-border e-commerce sector saw a significant increase in RMB settlements, reaching 17.7 billion yuan, a surge of 120.5% [4] - The number of multi-functional free trade accounts (EF accounts) increased, with 810 accounts opened and a business volume equivalent to 350.9 billion yuan [4] Business Environment Optimization - The "Hainan Wallet" project improved payment convenience, with over 50,000 foreign card POS machines deployed and an ATM foreign card cash withdrawal coverage rate of 98.3% [5] - The foreign exchange hedging rate in Hainan reached 47.5%, a significant increase of 25.3 percentage points year-on-year [5] - A cross-border financial service platform was launched, facilitating over 700 million USD in business transactions [5] Future Outlook - In 2026, the PBOC Hainan Branch will continue to implement a moderately loose monetary policy and enhance financial services to support the high-level opening of the free trade port and maintain regional financial stability [6]

北京商报讯（记者 刘四红）2月4日，人民银行征信中心官微发布消息称，一次性信用修复政策完全免 费、免申即享，任何以该政策名义索要钱财、索取信息的都是诈骗行为。如有机构或个人声称"有内部 文件"或"通过特殊渠道"，可以帮助"突破1万元限制""洗白大额逾期"的，目的都是骗取钱财，还可能造 成个人敏感信息泄露，请大家不要相信，并向人民银行或者有关部门反映。 人民银行征信中心称，请大家警惕"债务优化"骗局，谨防不法中介诱导"借新还旧""过桥垫资"，避免掉 入更大债务陷阱，甚至卷入"骗贷"等违法案件。 ...

新年伊始，在泉州经营电商的张先生松了口气。2026年1月初，他成功从泉州银行获得了一笔100万元的 经营循环贷款，用于春节前的备货。"这次政策相当于给了我一个重塑信用的机会。"他说。此前，因创 业初期的几次小额逾期记录，他的贷款申请屡次被拒。 张先生的转机缘于中国人民银行于2025年12月22日发布的一次性信用修复政策。2026年1月1日，一次性 信用修复政策在全国正式生效。中国人民银行福建省分行认真贯彻落实上级行的工作部署，立足福建实 际，通过建立"清单式管理+动态跟踪"机制，便利公众了解自身信用、提升政策惠民成效，推动达到"主 动履约—信用修复—再获融资"的良好效果。据统计，新年首月，全省共高效答复政策咨询2.4万人次， 提供详版信用报告查询20万笔，查询量平稳，分流有效，金融服务更便捷高效。据中国人民银行福建省 分行测算，该政策预计将惠及福建省内约260万名信用受损的个人，其中包括大量个体工商户与青年创 业者。 为确保政策红利安全、充分直达，中国人民银行福建省分行构建了全方位的实施与保障体系。 政策的温度体现在一个个具体而微的案例中。对于中国银行莆田分行的客户林先生而言，一个主动告知 的电话，让他压在心 ...

据悉，政策下达后，该行成立了专项工作领导小组，并通过组织业务人员进行专题培训的方式，帮助全 行员工厘清政策适用范围、修复条件及实施方式等核心内容，确保准确把握政策要点。同时，通过综合 运用线上线下（300959）融合宣传的方式，在服务辖区内全方位普及一次性信用修复政策，取得了显著 的宣传成效。 下一步，姜堰农商银行将持续做好一次性信用修复政策执行"后半篇文章"，通过优化服务流程，强化风 险防控，以刚柔并济的信用治理理念，为构建包容性社会信用体系注入金融力量。陈日新 近日，央行出台一次性信用修复政策，姜堰农商银行迅速响应，多措并举，有效保障了政策在姜堰落 地。 ...

转自：北京日报客户端 中国人民银行发布的《关于实施一次性信用修复政策有关安排的通知》于2026年1月1日起正式实施，旨 在为积极履约的信用受损者提供便捷、免费的正规征信修复渠道，但该政策红利期可能成为不法分子的 牟利工具。北京一中院法官提示，当前以"征信修复"为幌子的诈骗活动时有发生，且手段不断翻新，相 关案件反映的三方面问题应予关注。 一是靶向筛选信息锁定征信受损群体，利用焦虑心理实施定向诈骗。 在信息获取环节，不法分子通过非法渠道或公开信息，筛选出有贷款逾期、信用卡违约或具有高频查询 征信、信贷问题等情况的征信黑户个人信息，实现对目标群体的精准定位。在诈骗实施环节，利用征信 黑户在购房、求职、贷款等关键场景中的信用受限焦虑，刻意夸大征信不良的负面影响，虚构其有官方 背景、内部关系能技术修复等假身份及能力，以"付费修复"为诱饵骗钱。 不法分子在短视频平台、社交群组、电商平台等网络空间，刻意规避"征信修复""征信洗白"等敏感词 汇，以"征信咨询""债务减免"等名义，并频繁使用"z信优化""崔收协商""上岸规划"等谐音或暗语，或通 过图文结合、表情包内嵌等形式发布虚假征信修复广告，以规避平台审核机制。在传播流程 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at helping individuals with credit damage due to overdue payments from January 1, 2020, to December 31, 2025, by allowing them to clear their overdue records if they repay their debts by March 31, 2026 [4][5][10] Group 1: Policy Implementation - The policy stipulates that overdue information must have originated between January 1, 2020, and December 31, 2025, and that new overdue information generated in 2026 will not be included [3][5] - The policy applies to overdue amounts not exceeding 10,000 yuan per instance, and individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy [3][5] - After the policy's implementation, overdue statuses in personal credit reports will be adjusted to normal statuses, with specific timelines for when overdue information will no longer be displayed based on repayment dates [4][7] Group 2: Practical Implications - Users have reported successful updates to their credit reports, with some seeing their overdue records reduced to zero after the policy's implementation [5] - The policy does not delete credit records but makes them invisible; the underlying data remains in the system [7][10] - The policy is designed to be automatic, requiring no application from individuals, and includes free access to personal credit report queries to monitor progress [7][10] Group 3: Economic Impact - The policy is seen as a means to encourage individuals to repay overdue debts, potentially improving the asset quality of financial institutions and expanding their customer base [9][10] - Experts believe the policy balances financial risk management with social equity, promoting economic recovery by restoring individuals' creditworthiness [8][9] - The initiative aims to address the issue of long-term consequences of credit damage, encouraging responsible financial behavior among individuals [9][10]

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who actively repay their debts, thereby promoting economic recovery [1] Group 1: Policy Details - The one-time credit repair policy allows for the removal of overdue records for personal loans not exceeding 10,000 yuan if repaid by March 31, 2026 [1] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, excluding new overdue records [1] - The policy operates on an "automatic recognition and processing" basis, meaning individuals do not need to apply or submit documentation [1] Group 2: Impact on Individuals - The policy aims to alleviate the long-term restrictions faced by individuals due to bad credit, which can affect loans, job applications, housing, and travel [1] - It encourages individuals to actively repay debts and correct past credit issues, countering the mindset of "once untrustworthy, always untrustworthy" [1] - Restoring credit is seen as essential for individuals to regain access to financial services, improving their quality of life and personal development [1] Group 3: Expert Opinions - Experts believe the policy balances financial risk prevention and social equity, reflecting the need for a dynamic and precise financial status [1] - The policy is viewed as reasonable and moderate, providing necessary support while preventing potential loopholes in credit repair [1] - The initiative is expected to stimulate consumption and investment, contributing to sustained economic growth [1]

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at helping individuals rebuild their credit affected by the long-term impacts of the pandemic [1] Group 1: Policy Details - The policy allows for the removal of overdue records for personal loans not exceeding 10,000 yuan if they are settled by March 31, 2026 [1] - Individuals who clear their overdue payments within the specified timeframe will see their overdue information no longer displayed in their credit reports [1] Group 2: Impact on Individuals - Many individuals have reported that their overdue loan records have been "quietly" cleared or reduced in their personal credit reports during the New Year holiday [1] - The initiative is part of broader efforts to support those whose credit has been negatively impacted during the pandemic period from 2020 to 2025 [1]

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to have certain overdue loan records removed from their credit reports, significantly improving their credit status as of January 1, 2026 [1][4]. Group 1: Policy Details - The policy was announced on December 22, 2025, to support individuals with damaged credit who have actively repaid their debts, aiming to aid economic recovery [1][4]. - Overdue information for personal loans not exceeding 10,000 yuan will not be displayed if the debt is repaid by March 31, 2026 [1][4]. - The credit repair process is automatic, requiring no application from individuals, and the credit reporting center will handle the technical processing of eligible overdue information [4]. Group 2: Individual Experiences - Many individuals have reported their credit reports being updated, with overdue records being cleared. For example, a person who had 47 months of overdue records found them all removed [2][3]. - Another individual noted a reduction in overdue records from 9 to 2, with the cleared records primarily from 2021 [2]. - A third individual shared that previously recorded overdue loans under 10,000 yuan were also removed, although some records remained due to penalties exceeding the threshold [3]. Group 3: Implementation and Impact - The policy is designed to be fair and straightforward, not differentiating between loan types or institutions, thus providing a broad opportunity for credit rebuilding [4]. - The credit reporting center is tasked with ensuring that any remaining overdue records that should be cleared can be addressed through customer service channels [4].