Core Viewpoint - The Liaoning Provincial Market Supervision Administration has released the first batch of "ten cases" for credit repair to optimize the business environment, aiming to guide more untrustworthy business entities to restore their credit and regain development momentum [1] Group 1: Credit Repair Initiatives - The Liaoning Provincial Market Supervision System has helped 65,500 business entities complete the repair of illegal and untrustworthy information since 2025, facilitating their access to credit applications, bidding, and policy support [1] - The Dalian Ganjingzi District Market Supervision Bureau assisted a window company in restoring its credit status, allowing it to retain a significant supply order after addressing its failure to publicly disclose annual reports [1] - A pharmacy in Jinzhou was able to sign a supply agreement with a pharmaceutical company after receiving guidance from the local market supervision bureau to repair its credit status [2] Group 2: Case Studies of Successful Credit Repair - A brewing factory in Fuxin regained its trademark registration rights after the market supervision bureau guided it through the credit repair process, following its failure to disclose annual reports [2] - A construction service center in Zhangwu County successfully completed a bank transfer after its credit status was restored with the help of the local market supervision bureau [3] - An individual clothing factory in Fuxin upgraded to a corporate entity after resolving its credit issues, allowing it to continue its business expansion [4] Group 3: Impact on Business Operations - A restaurant in Liaoyang improved its operational status by completing credit repair, which allowed it to participate in a restaurant rating evaluation after resolving its legal compliance issues [5] - A trading company in Dengtai regained its bidding qualifications after the market supervision bureau assisted in its credit repair process [5] - A clothing store in Taihe District successfully entered an e-commerce platform after its credit status was restored, enabling it to resume online operations [5] Group 4: Support from Market Supervision - The market supervision bureau in the Shenyang-Fushun Demonstration Zone provided online assistance to a technology company, helping it navigate the credit repair process and return to normal operations [6] - The market supervision departments across various regions have actively engaged in guiding businesses through the credit repair process, demonstrating a commitment to improving the business environment [1][2][3][4][5][6]

Group 1: Consumer Policies - A new round of "national subsidies" has been launched, covering a range of products including smart glasses, home appliances, and vehicle updates, with subsidies of up to 15% for digital and home appliances [2][3] - The Hainan duty-free shopping policy has been expanded, increasing the number of duty-free categories from 45 to 47, and allowing residents with departure records to purchase certain items without limit within a year [2][3] - From January 1 to 6, Hainan's duty-free shopping reached 1.1 billion yuan, a year-on-year increase of 90.6%, with 133,000 shoppers, up 40% year-on-year [2] Group 2: Transportation and Services - The Northeast region has introduced a new railway tourism ticket that allows travelers to visit multiple destinations within 15 days, enhancing travel convenience [3] - New regulations for green product certification and promotion of green consumption have been implemented, aiming to facilitate a transition to low-carbon practices across various sectors [3] Group 3: Housing Market - The VAT rate for individuals selling homes purchased less than two years ago has been reduced from 5% to 3%, significantly lowering transaction costs and stimulating the real estate market [7] - The adjustment in VAT policy is seen as a crucial measure to stabilize the housing market, promoting liquidity and a healthy cycle between new and second-hand housing [7] Group 4: Credit and Financial Policies - A one-time credit repair policy has been implemented, allowing individuals to remove overdue records from their credit reports if debts are repaid by March 31, 2026 [8] - The policy aims to balance strict credit management with a more compassionate approach, reflecting a shift in social credit management practices [8] Group 5: Taxation and Business Environment - The new VAT law has been enacted, providing clearer legal guidelines for businesses and enhancing compliance management [10] - Various measures have been introduced to stimulate business activity, including government financing support and streamlined land approval processes [10]

Group 1: Consumer Policies - A new round of "national subsidies" has been launched, covering a range of products including smart glasses, home appliances, and vehicle updates, with subsidies up to 15% for digital and home appliances [2] - The Hainan duty-free policy has been adjusted, expanding the number of duty-free items from 45 to 47 and allowing residents with departure records to purchase certain items multiple times within a year, leading to a significant increase in shopping activity [2] Group 2: Transportation and Services - The introduction of a new railway tourism ticket in Northeast China allows travelers to visit multiple destinations with a single ticket, enhancing convenience for tourists [3] - New regulations promoting green consumption have been implemented, aiming to facilitate the transition to a low-carbon economy across various sectors [3] Group 3: Housing Market - The VAT rate for individuals selling homes purchased for less than two years has been reduced from 5% to 3%, significantly lowering transaction costs and stimulating the real estate market [7] Group 4: Credit Repair - A one-time credit repair policy has been implemented, allowing individuals to remove certain overdue records from their credit reports if debts are repaid by March 31, 2026, reflecting a shift towards a more supportive credit management approach [8] Group 5: Taxation and Business Environment - The new VAT law has come into effect, providing clearer legal guidelines for businesses and enhancing the certainty of tax policies, which is expected to invigorate business operations [10]

购买智能眼镜享受"国补"，东北地区铁路旅游计次票热销，个人销售购买不足2年住房增值税率下 降……2026年是"十五五"开局之年，新年伊始，一批政策举措落地实施、优化升级，回应群众急难愁 盼，增强高质量发展动力活力。 消费："国补"再开启，海南离岛免税新政更给力 "新年添置新家电，节能又优惠。"元旦假期，山东济南市民李阳订购了一台一级能效85英寸彩电， 原价近8000元，到手只需6600多元。 1月1日，新一轮"国补"开启，引领市场消费热度持续攀升。 看补贴范围，在手机、平板、智能手表手环等基础上，新增智能眼镜；家电产品包括冰箱、洗衣 机、电视、空调、电脑、热水器六大品类，但只补贴一级能效或水效标准产品；汽车报废更新、置换更 新依旧享受补贴。 看补贴标准，数码、家电产品继续享受15%补贴比例，数码产品单件最高补贴500元，家电产品最 高补贴1500元；汽车更新调整为按价格比例补贴，最高补贴2万元。 消费市场的另一大变化，来自海南离岛免税政策调整：免税商品由45类增至47类，享惠对象扩大至 离境旅客；一个自然年度内有离岛记录的海南岛内居民，在本自然年度内可不限次数购买15类"即购即 提"商品。 政策利好叠加元旦假 ...

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近日，记者采访了解到，不少在规定时间内还清贷款的人发现个人信用报告已经更新，1万元以下逾期 记录已不在信用报告中显示。 今年伊始，一次性信用修复政策落地，你的个人信用报告更新了吗？ "新年新气象，从信用报告更新开始！"在四川自贡做瓷砖生意的张先生告诉记者，2021年因为经营困 难，他的信用卡一度出现逾期，虽然额度不大且已结清，但因为有逾期记录他很难在银行获得贷款。今 年初，他惊喜地发现信用报告已经更新，逾期记录不再显示，"贷款资金有眉目了"。 去年12月，中国人民银行发布一次性信用修复政策，明确自2026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显示。 这几天，已经有不少网友在社交平台上晒出了个人信用报告的"对比图"。 一位山西网友去年9月份的个人信用报告显示，她有2个账户发生过贷款逾期，但这两笔逾期贷款已分别 于2024年4月和2025年6月结清。2026年1月1日更新的报告则显示，贷款"发生过逾期的账户数"变为了"- -"，这表示此前2次逾期记录已不再显示。 在甘肃临夏州，东乡族群众马哈麦带着刚打印的征信报告，来到甘肃银行临夏分行准备办理个人住房贷 款。 "去年底我还不敢想贷款买房 ...

全面落实"监管+服务"理念，辽宁省市场监管部门在送达行政处罚决定书时，同步送达《信用修复告知 书》，让当事人了解违法失信信息的公示期限，提醒当事人符合条件后第一时间申请信用修复。相关系 统迭代升级提供便捷修复途径，实现了市场监管领域信用修复全程网办，增设提醒说明、咨询电话等服 务功能，申请人可以全程跟踪办理过程和修复结果。提供"一企一策"精准帮扶，针对不同经营主体诉 求，通过压缩办理时限、点对点指导、全程帮办、守信承诺等措施，帮助失信经营主体及时修复违法失 信信息。 据悉，辽宁省市场监管系统将进一步扩大违法失信信息修复范围，在原有行政处罚、经营异常名录、严 重违法失信名单三类可修复的基础上，将"双随机检查"等抽查检查结果负面信息纳入修复，扩大修复范 围；进一步压缩公示期和办理时限，将一般行政处罚信息最短公示期由6个月缩短为3个月，同时将行政 处罚信息和严重违法失信名单信用修复的办理时限由15个工作日缩短为7个工作日；开发跨区域信用修 复数据传输功能，实现信用修复"异地办""高效办""零跑路"，方便企业申请修复。 本报讯（沈阳日报、沈报全媒体主任记者尚志文）1月6日，记者从辽宁省市场监督管理局了解到，2025 ...

本报记者 杨洁 根据中国人民银行发布的通知，一次性信用修复政策主要有四个方面的适用条件，一是适用对象，限定 于个人在金融信用信息基础数据库（即中国人民银行征信系统）中展示的信贷逾期信息；二是适用时间 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；三是适用金额为单笔逾期金额不超过 10000元；四是适用前提是个人在2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信 息，将作不予展示处理。 一次性信用修复政策实施后，符合条件的逾期信息在个人信用报告中的"还款状态"和"逾期金额"两个数 据项将会予以调整。其中，"还款状态"将由逾期标识调整为正常标识，"逾期金额"将由10000元以下 的"非0"数值调整为"0"；相应调整将在个人信用报告的"信息概要"和"信贷交易信息明细"模块予以同步 体现。 "根据逾期情形不同，信用报告出现的变化可能存在两种情况：所有逾期信息均符合政策条件，信用报 告将不展示逾期信息；部分逾期信息符合政策条件，信用报告中的逾期账户数减少或历史逾期月数等数 值减少。"中国建设银行北京光华支行营业部副总经理郭林对《证券日报》记者表示。 为贯彻落实一次性信用修复政 ...

"今天是2026年1月1日，你们查过征信，逾期更新了吗？"在这样一则小红书的帖子下面，网友们纷 纷留言，有的晒出自己的征信报告截图，有的留言"出来了，逾期记录全没了""棒棒哒，好起来了"。 而这，得益于中国人民银行近日出台的一次性信用修复政策。2025年12月22日，围绕个人征信，中 国人民银行发布《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》），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。 "我们赶上了好政策" 2026年第一天，一次性信用修复政策正式落地。《金融时报》记者关注到，小红书、微博、抖音等 社交媒体上很多网友晒出自己的逾期消除记录。从数据来看，大部分网友通过商业银行手机银行App、 网上银行、银联云闪付App第一时间查询了自己的报告。 1月1日，海南的一位网友晒出了自己的征信报告，"真的消除逾期记录了，感谢国家的好政策"。 "刚听说这个政策的时候我还担心是骗局。"北京的陈女士告诉记者，2023年，她因为工作太忙，有 一个月忘了还信用卡欠 ...

新年伊始，央行"一次性征信修复政策"起效。近期，新京报记者在社交媒体上看到，部分网友晒出征信 报告，在规定时间内还清的1万元以下逾期记录已不在征信报告中显示。 去年12月22日，央行正式发布《关于实施一次性信用修复政策的通知》，为数百万因小额逾期而背负信 用伤痕的普通人，带来了一次珍贵的"信用刷新"机会。 新京报记者 姜樊 政策主要内容 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，征信系统将不予展示。 适用对象：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：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：单笔逾期金额不超过10000元。 适用前提：2026年3月31日（含）前足额偿还逾期债务。 | | 信用卡 | 贷款 | | 其他业务 | | --- | --- | --- | --- | --- | | | | 购房 | 其他 | | | 账户数 | | | | | | 未结清/未销户账户数 | | | | | | 发生过逾期的账户数 | - | i | - ...