Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals efficiently restore their credit by removing certain overdue information from credit reports, thereby alleviating financial burdens and facilitating smoother economic activities [1][4]. Group 1: Policy Introduction - The one-time credit repair policy was announced on December 22, 2023, allowing eligible overdue information to be excluded from personal credit reports [1]. - The policy is a response to the financial difficulties faced by individuals due to the COVID-19 pandemic, which led to overdue debts that were subsequently repaid but continued to affect credit records [4]. 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 debt must be fully repaid by March 31, 2026 [5]. - The policy emphasizes convenience, allowing automatic identification and processing of eligible overdue information without the need for individuals to apply [5]. Group 3: Additional Features - The policy includes provisions for increased access to credit report inquiries, offering two additional free offline inquiries in the first half of 2026, alongside existing free online checks [5]. - A three-month grace period is provided for individuals to settle their overdue debts, enhancing accessibility and allowing time for financial arrangements [6]. Group 4: Policy Implications - The policy maintains a strict boundary by excluding individuals with unresolved debts from the repair process, ensuring the integrity of the credit system [7]. - Industry experts suggest that the policy balances the need for credit enforcement with a compassionate approach, promoting inclusive finance and enhancing individuals' access to financing opportunities [7][8].

Core Viewpoint - The People's Bank of China announced a one-time credit repair policy aimed at providing opportunities for credit reconstruction to individuals who have fulfilled their repayment obligations before a specified date, without differentiating between loan institutions or types [1] Group 1: Policy Details - The one-time credit repair policy does not set application procedures or complex conditions, making it fair, just, and easy to access for eligible individuals [1] - The policy specifies criteria regarding overdue time and amounts, focusing on supporting small overdue amounts and honest repayment individuals while maintaining credit constraints for those with larger overdue amounts [1] Group 2: Objectives and Implications - The initiative aims to ensure the integrity and binding force of the credit reporting system by preserving the credit constraints for individuals who have not repaid on time or have significant overdue amounts [1] - The policy emphasizes the importance of maintaining a baseline of contractual compliance and trustworthiness in the credit system [1]

（文章来源：每日经济新闻） 12月12日，记者从人民银行获悉，为了更准确反映个人真实信用状况，帮助已还款的逾期人群加快重塑 个人信用，人民银行在充分论证基础上，研究制定了一次性信用修复政策。人民银行副行长邹澜指出， 相关政策、标准和条件的设定，主要出于两个方面的考虑。一是政策不区分贷款机构、贷款类型，不设 置申请程序和复杂条件，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。二是政策对逾期时间和逾期金额作了规定。在精准支持小额逾期、诚信还款人群信用重建的同时， 保持对尚未按期还款或大额逾期人的信用约束，坚守履约守信底线，保证征信系统的严肃性和约束力。 ...

Core Viewpoint - The implementation of a one-time credit repair policy by the People's Bank of China aims to provide relief for borrowers with overdue credit information, effective from January 1, 2026 [1]. Group 1: Eligibility and Application - The one-time credit repair policy applies to overdue information under four conditions: it must be displayed in the financial credit information database, generated between January 1, 2020, and December 31, 2025, involve a single overdue amount not exceeding 10,000 yuan, and the borrower must fully repay the overdue debt by March 31, 2026 [5][6]. - The policy does not differentiate between types of loans, including personal business loans, housing loans, consumer loans, and credit cards, as long as they meet the eligibility criteria [7]. - The application process is automatic, meaning individuals do not need to apply or submit any documentation; the credit information system will identify and process eligible overdue information [8]. Group 2: Costs and Timeline - There are no fees associated with this policy, and any requests for payment or personal information under the guise of this policy are considered scams [9]. - Changes to the display of overdue information will occur based on the repayment timeline: if debts are settled by November 30, 2025, the information will not be displayed from January 1, 2026; if settled between December 1, 2025, and March 31, 2026, the information will be updated by the end of the following month [10]. Group 3: Information Verification - Individuals can verify whether their overdue information has been adjusted through various channels, including online platforms like banking apps and the official credit reporting website, as well as offline methods such as self-service query machines [11].

人民财讯12月22日电，12月22日，中国人民银行副行长邹澜在中国人民银行一次性信用修复政策有关情 况新闻发布会上表示，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。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。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，保证征信系统的严肃性和约束力。 ...

（原标题：一次性信用修复来了！你可能最关心的六个问题） 此次政策不区分个人经营贷、房贷、消费贷、信用卡等业务类型，只要符合适用条件，都能获得信用修 复。在贷款机构方面，政策也不区分银行、小贷、消费金融公司等，包括京东白条、花呗、借呗以及助 贷机构的逾期贷款，只要接入央行征信系统的机构均可纳入政策范围。 21世纪经济报道记者李览青 一次性信用修复政策终于落地。 12月22日一早，《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》正式发布，宣告借款人 从10月开始期待的个人信用救济政策即将实施。 从适用条件、申请范围、申请方式、时间宽限期、信息披露、风险提示方面，21世纪经济报道梳理了六 个方面可能最关心的问题。 可以适用一次性信用修复政策的逾期信息有4个方面的条件。 一是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； 二是逾期信息产生于2020年1月1日至2025年12月31日期间； 三是单笔逾期金额不超过1万元； 四是个人在2026年3月31日（含）前足额偿还逾期债务。 ·线下查询渠道包括征信自助查询机、金融机构的智慧柜员机、中国人民银行各分行征信服务窗口。查 询渠道 ...

其中：（一）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；（二）个人于2025 年12月1日至2026年3月31日之间足额偿还逾期债务的，金融信用信息基础数据库于次月月底前不予展示相关逾期信息。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查统计 | 银行会计 | | 金融科技 | | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | 网上展厅 | 报告下载 | | 网送文告 | | 办事大厅 | 在线申报 | 下载中心 | 网上调查 | 意见征集 | 金融知 ...

寸于2020年1日1日至2025年12日21 ^] 」 ∠ＵＬＵ牛１周１日エムＵＬＪ＋ＬＬＤＪＬ 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。 88 适用对象 个人在央行征信系统中展示的信贷逾 期信息。 3 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。 8 适用金额 单笔逾期金额不超过10000元。 e 适用前提 2026年3月31日 (含) 前足额偿还逾 期债务。 政策不区分贷款机构类型及信贷业务 种类。 二、政策"免申即享" 个人无需申请和操作,由征信系统对 符合条件的逾期信息自动识别并统一处 理。其中: 个人于2025年11月30日 (含) 前足 额偿还逾期债务的,相关逾期信息自 2026年1月1日起不予展示。 个人于2025年12月1日到2026年3月 31日之间足额偿还逾期债务的,相关逾 期信息于次月月底前不予展示。 三、符合政策条件的 个人信用报告会有哪些变化? 图读懂 次性信用修复 FAFF 为支持信用受损但积极还款的个人高 效便捷重塑信用,助力经济持续向好,中 国人民 ...

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, in response to the ongoing impacts of the COVID-19 pandemic [5][11]. Policy Details - The policy applies to personal overdue information from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB. Individuals who fully repay their overdue debts by March 31, 2026, will have this information not displayed in the financial credit information database [5][11]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed starting January 1, 2026. For repayments made between December 1, 2025, and March 31, 2026, the information will be removed by the end of the following month [5][11]. Implementation Method - The PBOC's Credit Reporting Center will automatically identify and process eligible overdue information without requiring individuals to apply or submit documentation. The policy is designed to be "automatic and enjoyable" [5][12]. - The policy does not incur any fees, and any attempts to solicit money or information under this policy are considered fraudulent [5][12]. Changes in Credit Reporting - Following the implementation of the policy, eligible overdue information will see changes in the credit report. The "repayment status" will change from overdue to normal, and the overdue amount will be adjusted from a non-zero value to zero [6][13]. - These adjustments will be reflected in both the "information summary" and "credit transaction details" sections of the personal credit report [6][13]. Public Engagement and Support - The PBOC emphasizes the importance of public awareness and understanding of the policy. The Credit Reporting Center will facilitate access to credit reports through various online and offline channels [9][10]. - Individuals can inquire about their credit report status through multiple channels, including mobile banking apps and the PBOC's official website [15][16].

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, in response to the ongoing impacts of the COVID-19 pandemic [2][6]. Policy Details - The policy applies to personal overdue information from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB. Individuals who fully repay their overdue debts by March 31, 2026, will have this information not displayed in the financial credit information database [4][11]. - If individuals repay their overdue debts by November 30, 2025, the overdue information will not be displayed starting January 1, 2026. For those who repay between December 1, 2025, and March 31, 2026, the information will not be displayed by the end of the following month [5][13]. Implementation Method - The PBOC's Credit Reporting Center will automatically process eligible overdue information without requiring individuals to apply or submit documentation. Individuals can report any discrepancies through the designated customer service channels [7][12]. Work Requirements - The Credit Reporting Center is tasked with coordinating the implementation of the policy, ensuring that financial institutions comply with the requirements, and providing clear communication to the public regarding the policy [9][10]. - Institutions must maintain systems for online and offline credit report inquiries and ensure that the public can easily access their credit information [9]. Additional Information - The policy will not incur any fees, and any requests for payment or personal information under this policy are considered fraudulent. Individuals can report such incidents to the PBOC or local law enforcement [5][12]. - From January 1 to June 30, 2026, individuals can query their credit reports for free up to two additional times beyond the standard allowance [10].