作者：赵展慧 "心心念念的1月1日终于来了，别人都在等跨年，只有我在蹲守查征信。新的政策，新的一年，新的征 途，越来越好。"2026年的第一天，有网友在社交平台分享，去年底前偿还了逾期欠款，今年喜提逾期 记录"清零"，评论区引来网友纷纷截屏晒出自己的征信报告回应："第一批征信记录更新的人里有我"。 一条条充满新年期待的话语与近期出台的一项新政策有关。新年伊始，一次性信用修复政策正式落地， 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。 这项新政策，是个人信用修复的"一小步"，也是诚信社会建设的"一大步"，体现出新时代金融业发展、 市场体系建设、社会治理等方方面面的跃升和进步。 政策细节传递金融温度。先看政策适用条件，逾期信息只有产生于2020年1月1日至2025年12月31日期间 才能适用，意味着受疫情等因素影响违约的非恶意失信者，只要是小额逾期、并在规定时间内偿还，就 能"抹平"不良记录，获得一次信用重启的机会。 再看政策实施方式，"免申即享"，不收取任何费用，还可额外免费查询本人信用报告两次。精准纾困、 简化流程、减免费用，每个政策细节都是对特殊时期民生困境的温暖回应。 政策取向彰显人民立场。信 ...

信用修复政策自2026年1月1日起正式实施，对2020年1月1日至2025年12月31日期间，单笔金额不超过 10000元人民币的逾期，央行推出一次性信用修复政策。而且，此次政策不区分个人经营贷、房贷、车 贷、信用卡等业务类型，只要符合相关条件，都能获得信用修复；政策也不区分贷款机构，银行、小 贷、消费金融公司等接入央行征信系统的机构均纳入。也就是说，不但在银行的信用卡、贷款逾期可以 修复，在支付宝花呗、京东白条等平台存在的逾期，如果该笔贷款的背后放贷机构接入了央行征信系 统，也同样适用此次政策。 此次政策以万元为界、以还清为前提，精准聚焦于受影响较大、修复意愿较强的普通群体，体现了制度 的温度与精度。信用不再是冰冷的"终生判决"，而成为可更新、可改善的"活记录"。政策明确传递出一 个信号：社会信用体系正在从"惩戒为主"转向"惩戒与修复并重"。这不仅是个人信用的"解冻"，更体现 了金融监管的柔性，也释放出重建信任、激发消费的积极信号。 也有人担心信用修复会导致"征信洗白"而失去约束力。据悉，此次一次性信用修复政策的核心是解决群 众"信用困境"，绝非债务豁免——只有全额还清逾期债务，才能享受信用记录调整的政策红 ...

Core Viewpoint - The People's Bank of China and various regulatory bodies in Beijing have jointly issued an initiative to enhance the warmth of financial services, focusing on improving credit product information disclosure and providing tailored financial services to various groups in need [1][2]. Group 1: Financial Service Enhancement - Financial institutions are encouraged to continuously improve the disclosure of credit product information to facilitate comparability and selection for enterprises [1]. - The initiative emphasizes the importance of policy collaboration and technological empowerment to enable enterprises to enjoy services without application [1]. - There is a call for financial services to be tailored to meet the individual needs of businesses, particularly in supporting entrepreneurship and employment [2]. Group 2: Support for Vulnerable Groups - Financial institutions are urged to prioritize financial service guarantees for vulnerable groups, including the disabled, veterans, the elderly, women, new citizens, and new employment form workers [2]. - The initiative encourages the establishment of green channels or dedicated service windows for these groups by qualified financial institutions [2]. - There is a focus on enhancing the accessibility of banking services, including the upgrade of physical and digital banking environments to accommodate older adults [2]. Group 3: Credit Support and Recovery - The initiative outlines measures for personal credit repair and the expansion of financial supply in the consumer sector to stimulate consumption [2]. - Financial institutions are encouraged to negotiate flexible loan repayment terms for individuals facing temporary difficulties due to non-subjective factors [2]. - For enterprises with market potential facing temporary repayment challenges, financial institutions are advised to engage in equal negotiations and utilize flexible measures such as loan renewals and adjustments to repayment plans [2]. Group 4: Credit Culture and Information Sharing - The initiative calls for a deeper promotion of credit culture and education to enhance societal awareness of credit [3]. - It emphasizes the need for legal and regulatory improvements in credit information sharing and the establishment of mechanisms for rewarding trustworthiness and penalizing dishonesty [3]. - There is a push for data aggregation and sharing to improve industry data application and facilitate the orderly flow and compliant use of enterprise credit information [3].

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 2025年12月22日，中国人民银行发布的一次性信用修复通知，为曾因非主观失误留下小额逾期记录的群 体推开了信用重塑的大门。 第一，政策的精准性与治理效能，让"容错"更有温度。 此次信用修复政策的科学性，首先体现在覆盖范围的精准划定上。1万元的单笔金额上限，恰好囊括了 信用卡忘还、房贷小额欠缴、互联网信贷漏存等高频民生场景，既排除了大额恶意逾期的风险，又确保 政策善意触达真正有需要的群体。这种"以小见大"的政策设计，正是"金融为民"理念的具象化。 更值得称道的是"免申即享"的机制创新。不同于以往信用修复需个人跑网点、交材料的繁琐流程，此次 政策依托征信系统自动识别符合条件的逾期信息。个人还清欠款后，系统将在规定时限内自动完成"不 予展示"处理，无需主动申请。这背后是治理理念从"重流程"向"重实效"的升级，避免了因信息不对称 导致的政策空转。 第二，普通人的生活转变，让"修复"更具民生价值。 这一政策并非对失信行为的"豁免通行证"，而是现代信用治理体系中容错与激励并重的生动实践，更是 引导全社会重新审视信用价值、主动守护信用的重要起点。 ...

Core Insights - The article discusses the optimization of credit repair processes by the provincial market supervision department, aiming to enhance the business environment and support enterprises in restoring their creditworthiness [1][2]. Group 1: Credit Repair Measures - The time limit for handling administrative penalty information and serious violation lists for credit repair has been shortened from 15 working days to 7 working days [1][2]. - The provincial market supervision system will expand the scope of credit repair to include negative information from "double random checks" [2]. - A cross-regional credit repair data transmission function will be developed to facilitate efficient and remote credit repair processes, allowing businesses to restore credit without needing to travel [2]. Group 2: Support for Enterprises - The provincial market supervision department has assisted 65,500 business entities in repairing their violation and dishonesty information, helping them overcome restrictions in credit applications, bidding, and policy support [1]. - The implementation of the "Market Supervision Credit Repair Management Measures" aims to encourage entities to proactively correct violations and restore good credit [1][2]. - The department emphasizes a balance between strict regulation and supportive measures, integrating credit repair into the administrative penalty process to inform businesses about their rights and options for credit repair [2][3]. Group 3: Tailored Assistance - The province offers tailored credit repair services, providing "one enterprise, one policy" support to address the specific needs of different business entities [3]. - Measures such as reducing processing times, providing point-to-point guidance, and offering full assistance are implemented to help businesses promptly repair their violation information [3].

Group 1 - The core viewpoint of the news highlights the implementation of various policies aimed at enhancing high-quality development and addressing public concerns as 2026 marks the beginning of the "14th Five-Year Plan" [1] Group 2 - Starting from January 1, 2026, the value-added tax rate for individuals selling residential properties purchased for less than two years has been reduced from 5% to 3% [5] - The new parenting subsidy for 2026 can be applied for online or offline, with a new feature for those who have previously applied in 2025 to continue receiving benefits [4] - The introduction of a new version of the railway tourism ticket product across 212 stations, with 25 different options available starting November 27, 2025 [3] - The implementation of the "Green Product Certification and Labeling Management Measures" on January 4, 2026, aims to standardize green product certification activities [3] - The People's Bank of China will not display overdue information for individuals who repay overdue debts by March 31, 2026, under the new credit repair policy [9]

这里就要说到大家最需要警惕的点了。正因为这项政策备受关注，一些不法分子也打起了歪主意。他们 可能会套用"征信洗白"的名义，联系你说有"内部渠道"或"特殊方法"帮你删除逾期记录，但前提是收取 高额费用。请注意，这完全是骗局。信用修复是免费的，任何声称可以代办并索要钱财的行为都是诈 骗。 总之，我们一定要分清"信用修复"和"征信洗白"的区别。"征信洗白"是试图用虚假手段抹去真实的不良 记录，是违法的，往往也伴随着高额收费，还可能会导致你的个人信息泄露。而此次信用修复是政策给 予的一次性善意安排。政策的底线非常鲜明，第一，必须足额偿还逾期债务。第二，2026年之后的新逾 期，还要按老规矩办。政策想帮助的是那些诚实但有过失误的人，而不是纵容恶意失信的行为。 问 那么，作为普通老百姓，我们现在该做些什么呢？ 很简单。首先，建议你通过手机银行App、云闪付或征信中心官网等正规渠道，查一下自己的征信报 告，看看有没有符合条件的逾期记录。如果还有符合要求的小额逾期没还，而你又想赶上这趟政策"班 车"，那么请务必在2026年3月31日之前把它足额还清。中国人民银行征信系统将自动识别符合条件的逾 期记录，根据不同还款情形完成自动 ...

Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China, detailing how individuals can check their credit status with China Construction Bank (CCB) to determine eligibility for the policy and the steps required to benefit from it [3]. Group 1: Checking Credit Records - Individuals should first check their credit records with CCB to see if there are any overdue payments that would affect their eligibility for the central bank's policy [3]. - The credit status can be checked through various methods, including the CCB app, online banking, and smart teller machines [5][6]. - The credit report will display repayment information over the past five years, indicating overdue amounts and repayment status [7]. Group 2: Understanding Overdue Information - If overdue payments are found, individuals are advised to repay them promptly to qualify for the policy [11]. - Specific scenarios are outlined: if overdue debts are fully repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [11]. - For debts repaid between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [15]. Group 3: Repaying Debts - To benefit from the policy, individuals must ensure they repay all overdue amounts and current payments by the due date [21]. - It is essential to verify the repayment status after making payments to avoid missing the opportunity for credit repair [19][20]. - For loan repayments, all historical overdue amounts and current dues must be cleared before the agreed repayment date [21]. Group 4: Monitoring Credit Record Changes - After repaying overdue debts, individuals should check their credit reports at the end of the following month to observe any changes [22]. - The implementation of the credit repair policy will result in overdue statuses being updated to normal, and overdue amounts below 10,000 yuan will be adjusted to zero [26].

针对不法中介可能的违规操作，重庆农商银行提醒社会公众，需高度警惕打着"债务重组""征信洗白"等旗号的虚假宣传，切勿轻信"借新还旧""高息过桥垫 资"等诱导，避免造成财产损失和个人信息泄露。 1月8日，重庆农村商业银行通过官方公众号发布公告，根据《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》（银发〔2025〕245号）要求， 该行全力支持该政策落地实施，明确符合条件的个人小额逾期信息可享信用修复，且实行"免申即享"机制。 公告明确了政策适用范围与修复规则：2020年1月1日至2025年12月31日期间发生的、单笔金额不超过10000元人民币的个人逾期信息，个人若在2026年3月31 日（含）前足额偿还逾期债务，金融信用信息基础数据库将不予展示相关逾期记录。其中，2025年11月30日（含）前足额还款的，自2026年1月1日起不再展 示该逾期信息；2025年12月1日至2026年3月31日期间足额还款的，金融信用信息基础数据库将于还款次月月底前完成逾期信息屏蔽。 该行特别提示，此次一次性信用修复政策无需个人主动申请或操作，将由中国人民银行征信中心对符合条件的逾期信息进行自动识别和统一技术处理。同时 强调 ...

Group 1 - The core idea is that Changyi City in Shandong Province has implemented a service model called "Yixin for Enterprises" to enhance credit repair services, focusing on efficiency and convenience for businesses [1] - The city has established a "reminder-help-repair" mechanism to facilitate online, immediate, and zero-run service for credit repair [1] - A dedicated "Enterprise Credit Repair" window has been set up in the municipal service hall to provide one-stop services including business consultation, guidance, and preliminary material review [1] Group 2 - A proactive notification mechanism has been established for credit repair, where administrative penalty decision letters are sent alongside credit repair notification letters, achieving a 100% notification rate [2] - The introduction of an online module for credit repair on the Shandong Provincial Government Service Network has transitioned the process from in-person to online, enhancing efficiency and allowing businesses to handle repairs without face-to-face interaction [2] - A WeChat service account provides one-on-one credit repair services, assisting businesses in obtaining necessary materials from other departments and offering repair agency services for those unfamiliar with the process [2]