极目新闻记者 刘闪 2月26日，中国人民银行湖北省分行发布提示，一次性信用修复政策将于下个月到期，建议符合政策条件的个人提前规划还款，避免因银 行处理延迟或资金安排问题错过机会。 去年12月，中国人民银行推出一次性信用修复政策，为2020年1月1日至2025年12月31日期间产生、单笔逾期金额不超过1万元人民币的个 人信贷逾期信息提供修复机会。核心前提是个人需在2026年3月31日前足额还清逾期债务，系统将自动处理，逾期记录不再展示于信用报 告中。 本次政策还款期限截至2026年3月31日，还款时间会影响信用记录更新速度。符合政策条件的，若在2025年11月30日前已还清，2026年1月 1日起逾期记录不再显示。若在2025年12月1日至2026年3月31日期间还清，次月月底前完成更新，例如2月还清，3月底前完成记录调整。 中国人民银行湖北省分行提醒，还款时确认应还总额，还款后核实到账。本次政策实行免审即享，个人无需申请和操作，符合条件的由系 统自动处理且不收取任何费用，不需要第三方代理，谨防上当受骗。系统自动处理逾期记录后，可通过手机银行APP、网上银行、中国银 联云闪付、互联网个人信用信息服务平台以及线下 ...

Group 1 - Construction Bank's A-shares closed at 8.70 yuan on February 13, 2026, down 1.25% for the day and a cumulative decline of 1.58% over the past five days; Hong Kong shares closed at 7.96 HKD, down 1.49% for the day and a cumulative decline of 0.13% over the past five days [1] - On February 13, 2026, net inflow of main funds into A-shares was 70.07 million yuan, while net inflow into Hong Kong shares was 53.80 million HKD; short-term moving averages for Hong Kong shares show a bullish arrangement, but KDJ indicators are at a high level, indicating increased volatility [1] Group 2 - On February 14, 2026, Construction Bank's Shanghai branch was fined 4.2 million yuan for serious violations in internet loan risk management and working capital loan management; related responsible persons were warned and fined [2] - Construction Bank announced on February 11, 2026, an increase in the minimum amount for personal gold accumulation business to 1,500 yuan and implemented dynamic trading limit management for "Jianxing Gold" from February 14 to 23, 2026, while suspending physical repurchase business during the Spring Festival to enhance risk management [2] - Construction Bank's subsidiary participated in the Guangdong-Hong Kong-Macao Greater Bay Area fund investment and led the underwriting of Morgan Stanley Panda bonds, highlighting its cross-border service capabilities [2] Group 3 - Huatai Securities reported on February 10, 2026, that central bank policies focusing on personal credit recovery and green finance are favorable for structural opportunities in the banking sector, and noted that Construction Bank's H-shares have a high dividend yield [3] - CICC reported on February 14, 2026, indicating that net profit for large commercial banks is expected to grow by 2% year-on-year in 2025, with a narrowing decline in net interest margin, suggesting an improvement in the industry's profitability environment [3]

Core Viewpoint - The implementation of the central bank's one-time credit repair policy in Guangdong has shown initial positive results, with nearly 400 million people having completed credit reconstruction and 145,000 successfully approved for new loans, facilitating credit circulation and consumer recovery [1][2]. Group 1: Policy Implementation - The People's Bank of China (PBOC) Guangdong branch established a policy implementation task force and organized a meeting with 112 participating institutions to ensure effective execution of the credit repair policy [2]. - The PBOC has utilized various communication methods, including SMS and app notifications, to inform 911,000 individuals about the policy, and has provided over 10,000 consultations through various channels [2]. Group 2: Credit Repair Mechanism - The credit repair policy operates on an automatic recognition basis, requiring no personal application or fees, and targets overdue records from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Full repayment of principal, interest, penalties, and other fees is required by March 31, 2026, to ensure the removal of overdue information from the credit report [3]. Group 3: Future Actions and Goals - With just over a month remaining until the policy deadline, the PBOC Guangdong branch aims to enhance credit service support, resolve credit disputes, and guide financial institutions in providing flexible repayment options to protect public credit rights [3].

证券研究报告 | 宏观专题研究 | 中国宏观 延续适度宽松，更加强调"以我为主" ——2025 年 Q4 货币政策执行报告解读 核心观点 2026 年 2 月 10 日，人民银行发布《2025 年第四季度中国货币政策执行报告》，我们认 为货币政策报告核心要点有：①延续适度宽松基调，更加强调"以我为主"；②财政金 融协同支持扩内需，重点关注再贷款+财政贴息&风险共担，而非购债；③重点关注绿 色金融，从做大规模转向做强机制；④从资管产品+银行存款合并视角看流动性总量， 单纯用传统存款派生框架容易误读流动性松紧；⑤支持个人高效便捷重塑信用。 对于后续货币政策，预计 2026 年有 25-50BP 降准、10BP 降息的总量性宽松操作，节 奏上预计小步慢跑，频度不会太高。此外预计结构性政策工具也将持续发力，同步强 化信贷的结构性引导，扩大内需、科技创新、中小微企业等领域是重点支持方向。 ❑ 一、延续适度宽松基调，更加强调"以我为主" 央行在三季度下一阶段主要思路里强调"实施好适度宽松…保持社融条件相对宽 松"，并且在同一段落中单列提示"密切关注海外主要央行货币政策变化"。四季 度央行同样提及"继续实施好适度宽松"，但 ...

然而，在2012年的一次工程建设过程中，"发包"老板资金链断裂跑路，卫云培之前垫付的工程款没了着 落，虽努力还债，却因无力支付所拖欠的工资，2018年，老卫被工友起诉，被列为了失信被执行人。 因市场突变，企业倒闭，债务缠身，赚钱门路受限、还债遥遥无期，如何才能回归正常生活？ 反正已经欠了这么多债了，不如干脆摆烂？老卫没有这样做，他和妻子一起去菜场摆摊，每天挣两三百 元，除了生活必需，剩下全部用来还债。虽然如此，因无法扩大经营，就没有更多的资金去还债，要还 完欠款还是遥遥无期。 像老卫这样坚守诚信的债务人还有机会修复信用吗？司法能帮助他们卸下包袱吗？ 今天，新时代推动法治进程2025年度十大案件发布，让我们和"说法"一起，通过此案关注那些积极履行 债务清偿义务的当事人。（金歆） [ 责编：杨煜 ] 重庆人卫云培上世纪八十年代到江苏无锡打工，从工地的泥瓦工做起，慢慢组建了一支施工队，在无锡 附近承包工程。 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals with overdue credit records to restore their credit status, benefiting many citizens who meet specific criteria [1][2][4]. Group 1: Policy Implementation - The one-time credit repair policy started on January 1, 2026, and has led to a 22% increase in daily credit report inquiries in Jiangsu Province compared to December 2025 [1]. - The policy is designed to help individuals who have overdue records from January 1, 2020, to December 31, 2025, provided they repay their overdue debts by March 31, 2026 [2][4]. Group 2: Beneficiaries and Impact - Individuals like Mr. Li and Mr. Fang have successfully benefited from the policy, with Mr. Fang receiving a loan approval of 200,000 yuan to expand his agricultural business [2]. - The policy aims to stimulate consumer spending and support small businesses by improving access to credit, thereby revitalizing the micro-market resources [4]. Group 3: Financial Institutions' Response - Financial institutions, including major banks, have enhanced their services to facilitate the policy's implementation, ensuring eligible individuals can easily check their credit status and access benefits [3]. - Banks have optimized their mobile banking apps and established customer support systems to assist clients in understanding and utilizing the new policy [3]. Group 4: Future Directions - The People's Bank of China plans to further advance credit repair and credit services, aiming to inject sustained momentum into consumer spending and the development of the real economy in Jiangsu [5].

其中提到，落实好一次性个人信用修复政策，挖掘释放消费潜力，扩大消费领域金融供给。针对暂时遇 到困难、因非主观因素难以按期偿还贷款和信用卡欠款的个人，开展个人消费贷款和信用卡纾困，银行 业金融机构可根据借款人还款保障，主动商定贷款偿还的期限、频次，根据借款人申请，经审核合格后 为符合条件的借款人提供续贷支持。指导辖内金融机构细化操作流程，对符合条件的借款人探索实 施"免申即享"。针对有市场、有前景、临时还款困难的企业，倡导金融机构与企业平等协商，灵活运用 续贷、展期、调整还款计划、减免息费等方式，帮助企业渡过难关，实现"信用修复、信贷支持、经营 恢复、信用提升"的良性循环。 北京商报讯（记者 刘四红）2026年1月8日，据"首都金融"消息，北京市开展金融服务温度提升工程"倡 议书"，人民银行北京市分行、北京金融监管局、市委金融办、市经济和信息化局、市政务服务和数据 管理局等部门联合提出倡议。 ...

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？ 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，因为我的个人信用报告上有好几笔逾期记录，今年这些已结清欠款的逾 期记录不再显示，我的房贷也有着落了。"马哈麦说。 不过，也有个别网友表示自己的信用报告没发生变化。记者了解到，享受此次政策需要符合一定条件： 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。 "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 ...

Group 1 - The China Interbank Market Dealers Association is increasing penalties for violations related to bond transaction record-keeping, as many institutions have failed to comply with regulations, hindering effective supervision and enforcement [1] - The Ministry of Commerce and nine other departments are encouraging financial institutions to increase support for green consumption loans, promoting collaboration between financial institutions and trade enterprises to expand the application scenarios for these loans [2] - Several small and medium-sized banks have suspended overseas debit card transactions due to rampant overseas card fraud, indicating a consensus in the industry to enhance risk control measures [3] Group 2 - The newly established financial asset investment companies, such as Xingyin Investment and Zhaoyin Investment, have quickly secured projects, with Xingyin Investment reporting over 6 billion yuan in investments within 45 days of operation, showcasing a divergence in project focus compared to state-owned banks [4] - The implementation of personal credit repair policies starting January 1, 2026, has led to the emergence of illegal intermediaries offering services to "clean" large overdue debts, charging fees ranging from 3,000 to 10,000 yuan [5] - A significant number of banks have appointed chief compliance officers in response to regulatory requirements, with multiple banks announcing such appointments within a month [6] Group 3 - Zhou Feng has been approved to serve as the president of Zhongyuan Bank, with his term starting from December 31, 2025, until the next board election [7] - The banking wealth management sector is expected to shift focus from scale expansion to stability in returns, with a projected 10% growth in market size for 2026, emphasizing a return to genuine stability [8] - The payment industry is undergoing a significant cleanup, with the recent cancellation of the payment license for Zhonggang Yintong, marking the 108th license to be revoked [9] - Wang Feng, the chairman of Bozhou Yaodu Rural Commercial Bank, is under investigation for serious violations of discipline and law, marking a notable case in the banking sector [10]

Core Viewpoint - The implementation of personal credit repair policies starting January 1, 2026, has led to a surge in interest among borrowers, but it has also created a market for illegal intermediaries targeting those with large overdue debts who do not qualify for the new policy [1][2]. Group 1: Policy Implementation and Impact - The new credit repair policy allows borrowers with overdue amounts of less than 10,000 yuan from 2020 to 2025 to benefit from a one-time credit repair without application, effective until March 31, 2026 [2]. - Many borrowers have shared their success stories of clearing overdue records, highlighting the policy's immediate benefits [2]. Group 2: Intermediary Exploitation - Some intermediaries are exploiting the anxiety of borrowers with overdue amounts exceeding 10,000 yuan, offering services to "clean" their credit records for fees ranging from 3,000 to 10,000 yuan [1][3]. - These intermediaries claim high success rates in repairing credit through negotiations with banks, but their methods often involve misleading practices [3][4]. Group 3: Risks and Misleading Practices - The services offered by intermediaries often come with significant risks, including potential financial loss, legal issues, and personal information leakage [5][6]. - Some intermediaries sell misleading tutorials on how to submit credit disputes, which may encourage borrowers to fabricate reasons for their overdue payments [4][6]. Group 4: Regulatory Warnings - Regulatory authorities have warned that the credit repair policy is free and does not require third-party involvement, emphasizing that any requests for payment or personal information under this policy are fraudulent [7][8]. - Financial institutions have also cautioned against intermediaries claiming they can remove overdue records, reiterating that legitimate credit repair must be conducted through official channels [7][8].