足额还清逾期债务是适用于一次性信用修复政策的前提，对于客户在向银行还款时需要注意的事项，戴炜介绍，按照《征信业管理条例》及有关规定，金融 机构需要及时、准确、完整地向征信系统报送个人的信贷信息。一次性信用修复政策发布实施后，北京银行将继续做好信贷信息报送工作，及时准确反映个 人贷款偿还情况，为征信系统准确识别和处理符合条件的逾期信息提供数据基础。 同时，为了保障个人顺利享受政策，戴炜从偿还金融机构贷款的角度提出了三点建议。 第一点是做好偿还金额的确认。个人在偿还欠款时一定要与金融机构进行金额确认，以免少还漏还，错过政策。 戴炜称，站在金融机构的角度，足额偿还逾期债务，是指借款人足额偿还了历史逾期欠款并按时偿还当月应还款。他以每月10日还款1000元的等额本息贷款 举例，若截至2025年12月31日尚有2000元逾期欠款，则借款人需要在2026年的1月10日前同时结清往期欠款2000元，以及当月应还款1000元，合计3000元。 "当然，这只是简要举例，实践中要具体考虑借款利息、逾期罚息等其他费用的因素，确定最终应偿还的金额。"戴炜说。 第二点是做好还款状态的确认。戴炜表示，由于实际操作中可能出现因第三方互联网 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy that allows eligible overdue information to be excluded from personal credit reports, facilitating credit restoration for individuals who have shown a willingness to repay debts [1][11]. Group 1: Policy Overview - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan, and requires full repayment by March 31, 2026 [2][13]. - The policy does not differentiate between types of lending institutions or credit products, covering mortgages, auto loans, credit card overdrafts, and consumer loans [3][14]. - The implementation of this policy aims to provide a corrective opportunity for individuals who have experienced non-malicious overdue situations due to unemployment, illness, or other non-subjective factors [4][16]. Group 2: Impact on Individuals - The policy is expected to improve the core qualifications for personal credit applications, potentially increasing approval rates for mortgages and consumer loans, and aligning interest rates closer to those of high-quality clients [4][16]. - It aims to alleviate the long-term impact of credit blemishes on employment and loan opportunities for individuals, particularly benefiting ordinary wage earners, small business owners, and self-employed individuals [5][15]. - The policy encourages individuals to actively repay debts and rectify past credit issues, thereby restoring their financial "passports" and improving their overall quality of life [6][17]. Group 3: Implications for Financial Institutions - Financial institutions are preparing to implement the policy by ensuring the functionality of credit report inquiry systems and enhancing data reporting management [1][11]. - The policy is anticipated to help financial institutions more accurately assess individual credit statuses, thereby improving the quality of inclusive financial services [7][18]. - In the short term, institutions may face adjustments in overdue recovery rhythms, but in the long term, the policy is expected to lower bad debt rates and reduce collection costs [8][19]. Group 4: Broader Economic Effects - The policy is designed to improve the overall health of the credit market and enhance the social credit environment, which may aid in consumer recovery [8][19]. - It reflects a compassionate approach to policy-making, addressing the debt pressures faced by certain groups and supporting economic recovery [8][19]. - The unified standards for credit repair are expected to prevent disputes arising from differential treatment among institutions, promoting industry standardization and enhancing the inclusiveness of financial services [8][19].

一方面，政策不区分贷款机构、贷款类型，不设置申请程序和复杂的条件，公平公正、简便易行地为在 规定日期前履行还款义务的个人提供信用重建的机会。另一方面，政策对逾期时间和逾期金额做了规 定，在精准支持小额逾期、诚信还款人群信用重建的同时，保留对尚未按期还款或大额逾期人群的信用 约束，坚守履约守信的底线，保证征信系统的严肃性和约束力。 责编:李文玉 | 审核:李震 | 监审:古筝 【大河财立方消息】12月22日，中国人民银行举行新闻发布会，介绍一次性信用修复政策有关情况。中 国人民银行副行长邹澜表示，一次性信用修复政策标准和条件的设定，主要出于两个方面的考虑。 ...

12月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。在一次性信用修复政策有关情况新闻发布会上，中国人民银行副行长邹澜介绍称，一次性 信用修复政策涉及面广、影响大，人民银行在政策制定过程中始终坚持守信激励、普惠公平、便民利民 的原则，为保证政策的严谨性、科学性，人民银行对征信系统的数据做了大量的分析和实证研究，在综 合考虑各方面因素后，确定了政策的具体内容和执行标准。 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：山上 邹澜介绍，相关政策标准和条件的设定，主要出于两个方面的考虑。一方面，政策不区分贷款机构、贷 款类型，不设置申请程序和复杂的条件，公平公正、简便易行地为在规定日期前履行还款义务的个人提 供信用重建的机会。另一方面，政策对逾期时间和逾期金额做了规定，在精准支持小额逾期、诚信还款 人群信用重建的同时，保留对尚未按期还款或大额逾期人群的信用约束，坚守履约守信的底线，保证征 信系统的严肃性和约束力。 一次性信用修复政策出台后，预计将在三个层面发挥积极作用。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， ...

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, allowing them to restore their creditworthiness without affecting their social credit records [1][4]. Group 1: Positive Effects of the Policy - The policy effectively alleviates the burden of small overdue debts, particularly benefiting borrowers with amounts under 10,000 yuan, who may have incurred overdue status due to unintentional errors or economic difficulties [3][4]. - It promotes financial inclusivity and stimulates domestic consumption by restoring the borrowing capacity of individuals with overdue credit, thereby converting it into investment and consumption potential, which can lead to economic growth [3]. - The policy enhances credit awareness and improves the credit system by encouraging individuals to check their credit records and repay debts, fostering a habit that can prevent future overdue situations [3][4]. Group 2: Clarifications on Misconceptions - For individuals who choose not to repair their credit, there is no additional pressure; their situation remains unchanged, indicating that the policy is not a form of debt coercion but rather an opportunity to rectify credit issues at minimal cost [4]. - The policy is not a means of "credit washing" as it only applies to small debts under 10,000 yuan, ensuring that it does not undermine the fundamental principles of credit accountability [4]. - While small infractions can be forgiven, larger debts should not be overlooked, as this could create unfairness for creditors and lead to adverse consequences in the credit system [4].

12月22日，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，通知指出对于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。 北京商报讯（记者 宋亦桐）12月22日，中国人民银行举行新闻发布会介绍一次性信用修复政策有关情 况，工商银行副行长赵桂德指出，为配合做好一次性信用修复政策的落地工作，工商银行已经开展了相 关准备。 赵桂德介绍，一是组织对全行网上银行、手机银行和网点智能设备的信用报告查询功能进行全面"体 检"，确保查询功能正常，能够及时响应客户查询本人信用报告的需求。二是加强工商银行征信数据报 送管理，将客户还款信息及时、准确、完整地提供给征信系统，确保符合条件的客户能享受政策利好。 三是关注政策实施后客户风险表现，持续做好信用评分模型及相关指标有效性的监测，及时动态完善风 控模型，优化风控策略。四是做好对客政策宣传、释疑，提升客户防骗意识，远离非法代理黑灰产，保 护自身信息安全和财产安全。 ...

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at helping individuals with overdue debts from January 1, 2020, to December 31, 2025, by removing certain overdue information from credit reports if debts are repaid by March 31, 2026 [1][2][3] Group 1: Policy Details - The policy applies to individual overdue information with a single amount not exceeding 10,000 RMB, and individuals must repay their overdue debts in full by March 31, 2026, for the information to be excluded from the credit report [2][3] - The policy does not differentiate between loan institutions or types, covering various loan types including personal loans, housing loans, consumer loans, and credit cards, as well as overdue loans from platforms like JD BaiTiao and Huabei [2][4] - The implementation of the policy is "automatic," meaning individuals do not need to apply or submit any documentation; the PBOC's credit system will automatically identify and process eligible overdue information [2][5] Group 2: Additional Measures - To accommodate public demand for credit report inquiries post-policy implementation, the PBOC will provide an additional two free credit report inquiries per person in the first half of 2026, on top of the existing two free inquiries allowed annually [5][6] - The policy includes a three-month grace period, allowing individuals to repay overdue debts within this timeframe to still qualify for the credit repair [5][6] - The PBOC emphasizes that any requests for money or personal information under the guise of this policy are fraudulent, urging the public to remain vigilant against scams [6][7] Group 3: Impact on Credit Reports - Following the implementation of the policy, overdue information for eligible individuals will be adjusted in the credit report, changing the repayment status from overdue to normal and reflecting overdue amounts as zero [7][8] - The credit system will process overdue information based on the timing of debt repayment, with specific rules for when the information will no longer be displayed [8][9] - Individuals are encouraged to verify their credit status through official channels and to consult with loan institutions if they have questions regarding their eligibility for the policy [9][10]

本报记者 刘琪 12月22日，中国人民银行发布通知，为积极应对新冠疫情后续影响，支持信用受损但积极还款的个人高效便捷重塑信用， 助力经济持续回升向好，中国人民银行决定实施一次性信用修复政策。 2.个人是否需要主动申请适用一次性信用修复政策？ 一次性信用修复政策实行"免申即享"，个人无需申请和操作，也无需提交证明材料，由中国人民银行征信系统对符合条件 的逾期信息进行自动识别和统一处理。 在此，郑重提醒社会公众，一次性信用修复政策不收取任何费用、不需要第三方代理，任何以该政策名义索要钱财、索取 信息的都是诈骗行为；如果发现相关违法违规线索，可以向中国人民银行及其分支机构反映，或向当地公安机关报案。 3.一次性信用修复政策实施后，符合条件的逾期信息将会出现哪些展示变化？ 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。其中：个人于2025年11月30日（含）前足额偿还逾期债务的， 金融信用信息基础数据库自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2 ...

原标题：如何确认能否享受一次性信用修复政策？央行张子红答21记者 21世纪经济报道记者 唐婧 北京报道 12月22日，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，并在中国人民银行总行大楼举行新闻发布会介绍 有关情况，中国人民银行副行长邹澜、中国工商银行副行长赵桂德、中国人民银行征信管理局局长任咏梅、中国人民银行征信 中心主任张子红、北京银行行长戴炜出席新闻发布会。 通知明确，一次性信用修复政策实行"免申即享"，个人无需申请和操作，也无需提交证明材料，由中国人民银行征信系统对符 合条件的逾期信息进行自动识别和统一处理。那么，公众如何了解自己是否符合政策条件？ 中国人民银行征信中心主任张子红在回答21世纪经济报道记者上述提问时表示，一次性信用修复政策通过设置"免申即享"的机 制，能够无感高效地触达符合条件的个人。如果大家需要了解自己是否符合政策条件、是否已经享受政策，可以按照"一查二问 三认"的要点进行确认。 一是"查"清楚。按照政策安排，符合条件的逾期信息由征信系统进行自动识别和统一处理，完全无需个人提出调整申请。若大 家在政策实施期间需要了解自身信用状况和政策适用情况，可以优先通过快捷、简便的线 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at addressing issues related to personal credit reports and combating fraudulent activities by illegal intermediaries [1][3]. Group 1: Policy Implementation - The one-time credit repair policy is completely free and does not require individuals to apply or engage third parties for assistance [4]. - The policy is designed to objectively reflect personal credit information, including both timely repayment and overdue information, as per the Credit Reporting Management Regulations [3]. Group 2: Market Regulation and Fraud Prevention - The People's Bank of China, in collaboration with law enforcement and regulatory agencies, is actively combating illegal intermediaries that exploit individuals' desire to remove overdue information [3]. - There is a warning against fraudulent activities where intermediaries claim to offer services like "credit washing" or "debt restructuring," which can lead individuals into debt traps [4].