人无信不立。随着个人信用重要性日益凸显，信用修复问题也备受关注。中国人民银行日前发布一次性 信用修复政策，符合相关条件的逾期信息将不会在个人信用报告中予以展示，助力个人高效便捷重塑信 用，卸下"包袱"轻装前行。 当今社会，个人信用早已超越金融范畴，成为人们融入社会、追求美好生活的"通行证"。对信用受损者 而言，不良记录如同一道无形的"紧箍咒"，令其在贷款、求职、出行等方面处处受限。不良记录的产 生，有的源于缺乏诚信意识的主观故意，也有的是因失业、疾病等客观原因导致的"无心之失"。信用修 复政策为那些非恶意失信且已积极改正的人提供"出路"，避免因一次失误而长期受限。 根据政策，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，金融信用信息基础数据库将不予展示。这既体现了 制度的善意与精准，也显示出惩教结合、标本兼治的现代治理理念，有助于激发微观主体活力，也有利 于金融机构更加精准识别个人信用状况，进一步提升普惠金融服务质效，更有利于构建崇信向善的诚信 社会。 不过，"一次性"也意味着适用范围有限，未来制度善意能否覆 ...

Group 1 - New regulations will take effect on January 1, 2026, addressing social security, education, electric vehicles, and cybersecurity to better respond to public concerns and enhance development vitality [1] - The revised Public Security Administration Punishment Law will include new behaviors affecting social security, such as exam cheating and unauthorized drone flights, which may face penalties [1] - The new mandatory standard for electric vehicle energy consumption will require companies to upgrade their products, with a specific limit of 15.1 kWh per 100 km for vehicles weighing around 2 tons, improving average range by approximately 7% [3] Group 2 - The new kindergarten fee policy mandates public and non-profit kindergartens to follow government-guided pricing, while for-profit kindergartens will have market-regulated fees, with a requirement for clear fee lists [2] - The new Value-Added Tax Law will be implemented, marking significant progress in establishing legal frameworks for taxation in China, covering 14 out of 18 current tax types [4] - The revised National Common Language and Writing Law will enhance education and promote the standardization of language use in cyberspace [5] Group 3 - The one-time credit repair policy will allow for automatic adjustments to credit reports for overdue records under specific conditions, aiming to improve personal credit ratings [6] - The National Park Law will prioritize hiring local residents for ecological management positions and encourage public participation in conservation efforts [7] - The revised Cybersecurity Law will address the governance of artificial intelligence, emphasizing risk monitoring and safety regulation to promote healthy development [8] - The updated Civil Case Cause Regulations will include disputes over virtual property and refine various legal categories to better address emerging societal needs [9]

央行一次性个人信用修复政策落地后，社交平台迅速掀起讨论热潮。 近两日，在小红书、微博上，大量网友晒出自己的征信报告，希望通过在线求助的方式，求广大网友帮 忙鉴定自己的逾期记录是否能享受到这波政策利好。 2025.12.24 本文字数：3566，阅读时长大约6分钟 作者 |第一财经 杜川 第一财经记者浏览发现，网友晒出的征信报告情况各不相同。比如，有的逾期记录年份太久，超出了政 策限定的时间范围；有的单笔逾期金额直接突破1万元限定标准；也有网友非常幸运，逾期情况完全符 合此次政策的适用条件。 诸多讨论中，几个核心问题被反复提及，即自己到底符不符合政策的修复条件？"单笔逾期1万元以 下"的界定标准是什么？分期贷款的逾期又该怎么认定？怎么才算足额偿还逾期债务？ 社交平台晒征信求鉴定 梳理来看，网友们的核心关切主要集中在政策适用细节与实操问题两大方面。 从政策规定的逾期条件看，逾期信息需同时满足三项核心要求：一是时间范围，逾期信息产生于2020年 1月1日至2025年12月31日期间；二是金额限制，单笔逾期金额不超过1万元人民币；三是还款时限，个 人需于2026年3月31日（含）前足额偿还逾期债务。满足上述条件的，央 ...

本文字数：3566，阅读时长大约6分钟 2025.12. 24 作者 | 第一财经 杜川 央行一次性个人信用修复政策落地后，社交平台迅速掀起讨论热潮。 近两日，在小红书、微博上，大量网友晒出自己的征信报告，希望通过在线求助的方式，求广大网友 帮忙鉴定自己的逾期记录是否能享受到这波政策利好。 第一财经记者浏览发现，网友晒出的征信报告情况各不相同。比如，有的逾期记录年份太久，超出了 政策限定的时间范围；有的单笔逾期金额直接突破1万元限定标准；也有网友非常幸运，逾期情况完 全符合此次政策的适用条件。 诸多讨论中，几个核心问题被反复提及，即自己到底符不符合政策的修复条件？"单笔逾期1万元以 下"的界定标准是什么？分期贷款的逾期又该怎么认定？怎么才算足额偿还逾期债务？ 社交平台晒征信求鉴定 梳理来看，网友们的核心关切主要集中在政策适用细节与实操问题两大方面。 从政策规定的逾期条件看，逾期信息需同时满足三项核心要求：一是时间范围，逾期信息产生于 2020年1月1日至2025年12月31日期间；二是金额限制，单笔逾期金额不超过1万元人民币；三是 还款时限，个人需于2026年3月31日（含）前足额偿还逾期债务。满足上述条件的 ...

Core Viewpoint - The implementation of the central bank's one-time personal credit repair policy has sparked widespread discussion on social media platforms, with users seeking clarification on eligibility and specific conditions for overdue records [1][6]. Policy Details - The overdue information must meet three core requirements: it must have occurred between January 1, 2020, and December 31, 2025; the amount of a single overdue payment must not exceed 10,000 RMB; and the individual must fully repay the overdue debt by March 31, 2026 [1][4]. - The definition of "single overdue amount under 10,000 RMB" refers to the overdue amount for a single loan in a given month, which accumulates if payments are missed [2][3]. Variations by Credit Product - Different credit products have varying rules for policy applicability. For instance, multiple small loans can be repaired even if their total overdue amount exceeds 10,000 RMB, as long as each individual loan's overdue amount is below this threshold [3][7]. - Credit card overdue amounts are reported based on the monthly statement, meaning if the total overdue amount exceeds 10,000 RMB, it cannot be repaired [3][4]. Repayment Requirements - "Full repayment of overdue debt" means borrowers must not only repay historical overdue amounts but also make timely payments on current obligations [4][5]. - The total amount to be repaid includes principal, interest, and any penalties, and borrowers should confirm the exact amount with their financial institutions [5][6]. Beneficiaries of the Policy - The policy is expected to benefit a wide range of individuals, particularly those with small overdue amounts from consumer loans and credit cards, as most overdue amounts typically fall below the 10,000 RMB threshold [6][7]. - The policy aims to support honest borrowers while maintaining credit constraints on those with larger overdue amounts [6][7]. Impact on Financial Institutions - Following the announcement of the policy, banks and consumer finance companies have quickly adapted their services to comply with the new regulations [8][9]. - The policy is anticipated to improve asset quality for banks in the short term by increasing the recovery rate of small overdue loans and reducing the scale of small non-performing assets [10]. - The one-time nature of the policy is designed to prevent potential moral hazards while encouraging overdue borrowers to settle their debts, which could stimulate demand for personal loans [10].

冰川思享号 . 汇聚思想，分享锐见 本文来自微信公众号： 冰川思享号 ，作者：青柳，题图来自：冰川思享号（豆包AI生成） 以下文章来源于冰川思享号 ，作者青柳 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》，支持信用受损但积极还款 的个人高效便捷重塑信用。 《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。 这个政策一经出台就迅速引发关注。根据媒体解读： 虽然单笔金额不超1万，但总量是没有限制的。只要在2026年3月31日之前足额偿还逾期债务，哪怕 你有100笔逾期，也可以一次性修复。 而因为1万元而逾期，可以想像这不是金融大鳄、资本大佬，只能是普通人。 那么这一项政策的指向是很明显了， 给许许多多有意或无意违约的人一个机会：失信的后果太严 重，这一次"大赦"普通人。 一 1万元的逾期看似不多，但这就是现实：太多的人其实就是为这三瓜两枣头疼不已。 今年7月《财经》报道，媒体从部分助贷平台和金融机构处了解到，当前借款人也以中青年为主 ...

江琳/文 朱慧卿/图 中国人民银行12月22日发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告中予以展示，助力个人高效便捷重塑信 用，卸下"包袱"轻装前行。信用不该是冰冷无情的铁板一块，而应是有温度、可修复的动态体系。完善的征信体系除了要"奖励诚信、惩治失 信"外，还应该给人以重新修复的机会。一次性信用修复政策的施行，不仅是一项民生善政，更能增强公众对信用体系的认同，引导更多人珍 视信用、遵守承诺。 ...

Core Viewpoint - The article discusses the implementation of a personal credit repair policy by the People's Bank of China, which allows for the automatic removal of certain overdue credit records if debts are settled by March 31, 2026, marking a significant shift in credit management practices [2][3]. Group 1: Policy Implementation - The policy will be effective from January 1, 2026, and applies to overdue personal credit records with amounts under 10,000 yuan that occurred between January 1, 2020, and December 31, 2025 [2]. - The policy emphasizes an "automatic enjoyment" approach, meaning individuals do not need to apply for the removal of their credit records, which reduces the burden on individuals and lowers overall transaction costs in the economy [3]. Group 2: Economic Implications - The shift from a punitive approach to a more supportive framework aims to minimize economic and social costs associated with enforcing credit regulations, thereby enhancing the overall efficiency of the credit system [3]. - The article highlights the importance of integrating market mechanisms with government policies to ensure that credit repair is not only a regulatory process but also a market-driven one, allowing for better risk pricing and acceptance of previously marginalized individuals [5]. Group 3: Future Considerations - The article suggests that while the central bank's notification is a positive step towards credit repair, further developments are needed, including the introduction of personal bankruptcy laws to facilitate a comprehensive credit repair process [5]. - It emphasizes that true credit repair requires market self-regulation and the ability for individuals to re-enter the economic system, indicating that the credit repair process is a journey towards reintegration rather than a one-time fix [5].

Core Viewpoint - The removal of bad credit records is a starting point for former defaulters to return to normalcy, marking the practical phase of personal credit reconstruction [1][6]. Group 1: Policy Implementation - The People's Bank of China has announced a credit repair policy that allows for the automatic removal of personal credit overdue records under 10,000 yuan if the debt is paid off by March 31, 2026, without any application or fees [1][6]. - This policy will officially take effect on January 1, 2026, following the announcement made by the central bank governor on October 27, 2023 [1][6]. Group 2: Economic Implications - Personal credit repair is essential for market rebirth and is a foundational policy for developing a market economy, especially during the current economic transformation [1][6]. - The policy reflects a shift in enforcement philosophy, focusing on minimizing overall economic and social costs rather than adhering strictly to the principle of punishing the offender [2][7]. Group 3: Market Dynamics - True credit repair requires market self-regulation and the continuous trial and error of different credit entities within the market [9]. - The credit repair notification is seen as a small but correct step towards market credit repair, necessitating further regulations and potentially the introduction of personal bankruptcy laws for comprehensive credit assessment [5][9].

Core Viewpoint - The removal of bad credit records is a starting point for individuals who have previously defaulted to reintegrate into society, marking a significant step in personal credit restoration through policy implementation [1] Group 1: Policy Implementation - The People's Bank of China has announced a credit repair policy that allows for the automatic removal of personal credit overdue records for amounts under 10,000 yuan, provided the debts are settled by March 31, 2026 [1] - This policy will officially take effect on January 1, 2026, following the announcement made by the central bank governor on October 27, 2023 [1] Group 2: Execution Mechanism - The policy emphasizes an "automatic enjoyment" approach, indicating a shift in enforcement philosophy where the burden of enforcement costs is shared, minimizing overall economic and social costs [2] - The new mechanism aims to reduce transaction costs in the economy and alleviate the stigma associated with being labeled a defaulter, allowing individuals to reintegrate without fear of lifelong repercussions [2] Group 3: Market Dynamics - Effective credit restoration requires not only the removal of records but also the acceptance of individuals by the market, necessitating a transformation of credit repair into a market-acceptable risk pricing [3] - The policy opens the door for personal credit repair, but the market must actively engage in risk pricing to ensure that the policy's constraints align with market dynamics [4] Group 4: Future Considerations - The credit repair notification is seen as a small but correct step towards broader market credit restoration, which will require a comprehensive approach including the introduction of personal bankruptcy laws [5] - The essence of credit restoration lies in helping individuals regain their footing in the market, emphasizing that the credit system should facilitate reintegration rather than merely label individuals [5]