Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to help individuals efficiently restore their credit by removing certain overdue information from personal credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][2]. Group 1: Policy Introduction - The credit repair policy aims to assist individuals who have experienced overdue debts due to uncontrollable factors like the COVID-19 pandemic, allowing them to restore their credit records after full repayment [2][3]. - The policy will take effect on January 1, 2026, and will automatically adjust overdue records based on repayment status, ensuring that qualifying overdue information will not appear in personal credit reports [2][3]. Group 2: Eligibility Criteria - The policy specifies three conditions for eligibility: overdue information must have occurred between January 1, 2020, and December 31, 2025; the overdue amount must not exceed 10,000 yuan; and the overdue debt must be fully repaid by March 31, 2026 [3]. Group 3: Policy Features - The policy emphasizes convenience with an "automatic enjoyment" feature, meaning individuals do not need to apply or visit branches; the credit system will automatically identify and process qualifying overdue information [4]. - As a supportive measure, the People's Bank of China will increase the number of free annual credit report queries from two to four, allowing individuals to verify their credit status without incurring costs [4]. - A three-month grace period is provided for individuals to settle their overdue debts, extending the deadline for repayment to March 31, 2026, which allows more individuals to benefit from the policy [4]. Group 4: Enforcement of Credit Integrity - The one-time nature of the policy reflects a strict enforcement of credit integrity, ensuring that individuals with outstanding debts are not eligible for credit repair, thus maintaining fairness in the credit system [5]. - Industry experts note that the policy does not weaken credit constraints but rather enhances the credit system's effectiveness while promoting inclusive financial development and improving access to financing for individuals [5]. Group 5: Overall Impact - The timely repair of personal credit is expected to strengthen the credit foundation, providing better support for individual development and economic participation [6].

支持个人信用重塑！倘若代入信用受损者的视角，这无疑是一场"及时雨"，解了不少人的燃眉之 急。今时今日，"人无信不立"这句话的含金量还在上升，信用不再仅仅是金融世界中的一个概念，它已 经渗透到社会生活的方方面面。日常生活中，无形的信用给守信者带来了购物、看病就医、图书借阅、 租房、贷款等有形的便利。与此同时，失信者则往往"一处失信、处处受限"，甚至可能面临"一朝失 信，终生受限"。个人信用重塑，相当于提供"一键重启"的机会，通过给予容错纠错空间，让个人诚信 可以"重建"。 政策一小步，惠民一大步。借此契机，希望能够激活信用修复的巨大潜力，让更多人卸下"历史包 袱"，在轻装前行中激发发展活力、筑牢信用基石，创造新的精彩、拥抱美好生活。（张冬梅） 当今社会，个人信用作为一种无形资产，已是美好生活的"通行证"。随着个人信用的重要性日益凸 显，信用修复也成为公众普遍关注的问题。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。 好政策更要好执行。一个标准，在于精准。一次性信用修复政策发布后，有些网友产生了这样的疑 问：信用修复是"征信洗白"吗？信用约束是不是变松了？事 ...

Core Viewpoint - The People's Bank of China (PBOC) has introduced a one-time credit repair policy aimed at supporting individuals with overdue credit records who have actively repaid their debts, facilitating credit restoration and aiding economic recovery post-COVID-19 [2][6]. Group 1: Policy Details - The credit repair policy applies to individuals with overdue credit information recorded in the PBOC's credit system, specifically for overdue records generated between January 1, 2020, and December 31, 2025 [3][6]. - Eligible overdue amounts are capped at 10,000 yuan per instance, and individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy [3][4]. - The credit repair process is automatic, requiring no application from individuals, as the PBOC's credit center will handle the technical processing of eligible overdue information [3][6]. Group 2: Additional Measures - As a complementary measure, the number of free credit report inquiries for individuals will increase by two additional times in the first half of next year [2][3]. - Individuals can now access their credit reports for free twice a year, with the additional two free inquiries available from January 1 to June 30, 2026 [3]. Group 3: Implications and Reactions - The policy is designed to alleviate small overdue risks and improve the overall health of the credit market, reflecting a more humane approach to financial regulation in the post-pandemic era [8]. - The PBOC emphasizes that this credit repair does not equate to a relaxation of credit constraints, and it is not a means to erase credit records without fulfilling repayment obligations [6][8]. - The initiative aims to combat fraudulent practices by illegal intermediaries claiming to offer credit record deletion services, reinforcing that the credit repair process is free and does not require third-party involvement [8].

12月22日，中国人民银行发布一次性信用修复政策，明确自明年1月1日起，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。 新华社北京12月22日电 题：一次性信用修复政策公布，将帮助哪些人重塑个人信用？ 新华社"新华视点"记者吴雨、任军 对金融机构而言，修复政策有利于重塑客户关系，为金融机构拓展优质客群、释放信贷需求创造空间。 "一次性信用修复政策能够帮助商业银行更加准确地识别借款人的真实信用状况，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。"中国工商银行副行长赵桂德说。 在"包容"和"约束"之间找寻平衡点 采取"免申即享"模式，个人无需申请和操作；设置3个月宽限期，留出筹措资金时间；额外增加2次线下 免费查询个人信用报告机会，方便公众核对逾期记录、确认修复进度……一系列便捷高效的政策安排， 凸显了"容错纠错"的政策温度。 哪些人能获得政策支持？为什么要做"一次性"安排？公众该如何维护良好的信用记录？来自中国人民银 行、金融机构等的专业人士进行了深入解读。 支持信用受损但积极还款的个人 个人信用报告中最近5年的逾期记录，是银行发放贷款的重要参考。此次政策对于不再予以展示的逾 ...

为支持信用受损但积极还款的个人高效便捷重塑信用，中国人民银行12月22日对外发布一次性信用修复 政策有关安排，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。 提供容错纠正机会，避免因一次失误而长期受限 根据政策安排，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（即央行征信系统）将不 予展示。其中： 个人于2025年11月30日（含）前足额偿还逾期债务的，央行征信系统自2026年1月1日起不予展示相关逾 期信息； 个人于2025年12月1日至2026年3月31日期间足额偿还逾期债务的，央行征信系统于次月月底前不予展示 相关逾期信息。比如，个人在2026年1月还清欠款，相关逾期信息在2月底前即可展示为正常还款状态。 中国人民银行副行长邹澜介绍，政策主要有四方面适用条件：适用对象限定于个人在央行征信系统中展 示的信贷逾期信息；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；适用金额 为单笔逾期金额不超过1万元；适用前提是个人在2026年3月31日前足额偿还逾 ...

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, marking a shift from strict punishment to a balanced approach of both punishment and repair [1]. Group 1: Policy Details - The policy allows for a one-time credit repair for individuals who have overdue amounts not exceeding 10,000 yuan, provided they repay the full amount by March 31, 2026 [1]. - This initiative is designed to break the cycle of "once untrustworthy, always restricted," promoting a more forgiving credit system [1]. Group 2: Conceptual Shift - The policy reflects a change in perspective regarding credit issues, recognizing that external factors or force majeure may lead to credit damage without subjective fault from the individual [5]. - The need to differentiate between those who fail to meet obligations due to external circumstances versus those who do so out of negligence is emphasized [8]. Group 3: Long-term Mechanism Expectations - Starting April 1 of the following year, a formal credit repair management approach will be implemented, raising expectations for a long-term credit repair mechanism [6]. - Future considerations include varying the retention period for negative records based on the amount involved, suggesting shorter retention for small amounts and longer for larger debts [8]. Group 4: Implications for Consumer Confidence - The one-time credit repair policy is seen as a significant advancement in China's credit system, addressing the balance between punishment for bad credit and the provision of relief for those who have made mistakes [11]. - The policy aims to enhance consumer confidence and encourage spending by allowing individuals with minor credit issues to regain their standing [13]. Group 5: Legal Framework and Fairness - The credit repair process is grounded in legal principles, promoting self-discipline and awareness of the law among individuals [14]. - The approach is viewed as fair, aligning with market principles of appropriate rewards and punishments, and is expected to positively impact the overall credit market and future consumption [14].

俗话说"有借有还，再借不难"，征信信息可以展现一个人在经济金融活动中的守约情况。 自2006年正式上线，全国集中统一的企业和个人征信系统已成为我国重要的金融基础设施。截至11月 末，征信系统已采集11.6亿自然人的信息，其中8.1亿人有信贷记录，年度累计查询量达65.8亿次。 目前个人信用报告会展示最近5年的逾期记录，自逾期欠款还清之日起超过5年的逾期记录不再展示。 "过去几年，受新冠疫情等不可抗力影响，一些个人发生了债务逾期，虽然事后全额偿还，但相关信用 记录仍持续影响其经济生活。"中国人民银行行长潘功胜在今年10月表示，为帮助个人加快修复信用记 录，同时发挥违约信用记录的约束效力，中国人民银行将研究实施一次性信用修复政策。 卸下"包袱" 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。 为何要推出一次性信用修复政策？ 在进行必要的技术准备后，中国人民银行于12月22日明确发布一次性信用修复政策有关安排。自2026年 1月1日起征信中心将根据不同还款情形完成自动调整，相关逾期记录不再在个人信用报告中展示 ...

新华社"新华视点"记者吴雨、任军 12月22日，中国人民银行发布一次性信用修复政策，明确自明年1月1日起，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。 哪些人能获得政策支持？为什么要做"一次性"安排？公众该如何维护良好的信用记录？来自中国人民银 行、金融机构等的专业人士进行了深入解读。 支持信用受损但积极还款的个人 个人信用报告中最近5年的逾期记录，是银行发放贷款的重要参考。此次政策对于不再予以展示的逾期 记录，明确了范围和条件： 新华社北京12月22日电题：一次性信用修复政策公布，将帮助哪些人重塑个人信用？ 从时间来看，逾期信息产生于2020年1月1日至2025年12月31日期间；从金额来看，单笔逾期金额不超过 1万元；从前提来看，个人在2026年3月底前足额偿还了逾期债务。 看到这一消息，北京的个体工商户李先生很期待："2021年因店铺暂时停业，我的信用卡一度出现逾 期，虽然后来结清了欠款，但因为有逾期记录，房贷一直没有办下来。逾期记录不再被展示将有利于降 低我的融资门槛。" "受新冠疫情等多方面因素影响，一些个人财务状况发生了难以预料的变化，未能按原借款合同约定时 间偿还贷款。虽然事后已全 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently restore their credit status [1][4] Group 1: Policy Details - The credit repair policy adheres to three principles: a specific time frame (2020 to 2025), a maximum amount (individual overdue amounts not exceeding 10,000 RMB), and specific conditions (debts must be repaid by March 31, 2026) [2] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit database starting January 1, 2026 [2] - The policy applies to various types of loans, including personal loans, housing loans, consumer loans, and credit cards, without charging any fees or requiring third-party agents [2] Group 2: Impact on Individuals - The policy aims to break the cycle of "once untrustworthy, always restricted," providing a pathway for those who have made mistakes but are willing to correct them [5][6] - It is expected to improve the core qualifications for personal credit applications, potentially increasing approval rates for housing and consumer loans [4][5] - The policy targets non-malicious, long-tail credit users, particularly benefiting young workers, individual business owners, and flexible employment individuals [6] Group 3: Benefits for Financial Institutions - The credit repair initiative encourages borrowers to repay overdue debts, which may help banks recover overdue loans and improve asset quality [7] - It establishes an incentive mechanism for debtors to repay their debts by setting a repayment deadline of March 31, 2026, aiding financial institutions in quickly recovering non-performing assets [7] - The policy also aims to eliminate illegal credit repair intermediaries by providing a free, automatic system for credit information processing [7][8] Group 4: Broader Social Implications - The credit repair mechanism is expected to enhance the social credit system by balancing punitive measures for dishonesty with benefits for trustworthiness [8] - It can alleviate social tensions caused by long-term credit issues, providing hope and promoting social harmony [8] - The policy is anticipated to stimulate consumer potential and economic vitality, allowing millions to access reasonable financial services, thereby boosting consumption and internal demand [8]

央行表示，此次政策核心是解决群众"信用困境"，绝非债务豁免，只有全额结清逾期债务，才能享受信 用记录调整的政策红利，债务偿还的核心责任并未免除。"守信激励、失信惩戒"始终是我国信用体系的 重要原则，这条"底线"也从未动摇。 中国人民银行副行长邹澜表示，在个人层面，政策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，为经济高质量发展注入内生动力。在金融机构层面，政策 有助于金融机构更加精准地识别个人信用状况，进一步提升普惠金融服务质效。 还款时建议确认应还金额 避免错过政策 在12月22日举行的一次性信用政策解读发布会上，金融机构提醒，此次政策适用于逾期信息产生于2020 年1月1日至2025年12月31日期间，2026年新产生的逾期信息不包括在内。个人在偿还欠款时，要与金融 机构进行金额的确认，以免少还、漏还，错过政策。 足额偿还逾期债务，是指借款人足额偿还历史逾期欠款，并按时偿还当月的应偿还款。 北京银行行长戴炜介绍，以每月10日偿还1000元等额本息贷款为例，若截至2025年12月31日尚有2000元 的逾期欠款，则借款人需要在2026年1月10日前同时结清往期的欠 ...