本文字数：1496，阅读时长大约3分钟 作者 |第一财经 杜川 2026年1月1日，备受关注的个人一次性信用修复新政正式落地，不少网友在社交平台晒出个人征信报告 截图，发现个人征信报告中的逾期记录已经自动"清零"。 "感谢国家政策！说到做到，逾期已消除。"一位广东网友在社交平台发文感慨道，"1万以内征信逾期系 统已经更新公告。政策说到做到，给了各位信贷路上第二春，且行且珍惜，好好爱惜自己的羽毛。" 征信"翻新" 2026.01.03 这位广东网友特意把自己在央行征信中心的个人征信报告打印出来，上面显示有3笔"其他贷款"发生逾 期记录，其中2笔逾期超过90天。 | | | 用于值费申请及其流用法 4-基礎学,用免信息进 | | --- | --- | --- | | 个人信用报告 | | | | 正件类型:身份证 | 证件号矿 | 报告时间:2025-12-19 16:01·20 | | 信贷记录 | | | | 这部分包含您的信用卡、贷款和其他信贷记录。金额类数据均以人民币计算,精确到元。 | | | | 信息概要 | | | | 贷款 信用卡 | 其他业务 | 第期日录可能影演对医的信用研究 | | 购房 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who actively repay their debts, thereby promoting economic recovery [1] Group 1: Policy Details - The one-time credit repair policy allows for the removal of overdue records for personal loans not exceeding 10,000 yuan if repaid by March 31, 2026 [1] - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, excluding new overdue records [1] - The policy operates on an "automatic recognition and processing" basis, meaning individuals do not need to apply or submit documentation [1] Group 2: Impact on Individuals - The policy aims to alleviate the long-term restrictions faced by individuals due to bad credit, which can affect loans, job applications, housing, and travel [1] - It encourages individuals to actively repay debts and correct past credit issues, countering the mindset of "once untrustworthy, always untrustworthy" [1] - Restoring credit is seen as essential for individuals to regain access to financial services, improving their quality of life and personal development [1] Group 3: Expert Opinions - Experts believe the policy balances financial risk prevention and social equity, reflecting the need for a dynamic and precise financial status [1] - The policy is viewed as reasonable and moderate, providing necessary support while preventing potential loopholes in credit repair [1] - The initiative is expected to stimulate consumption and investment, contributing to sustained economic growth [1]

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to have certain overdue loan records removed from their credit reports, significantly improving their credit status as of January 1, 2026 [1][4]. Group 1: Policy Details - The policy was announced on December 22, 2025, to support individuals with damaged credit who have actively repaid their debts, aiming to aid economic recovery [1][4]. - Overdue information for personal loans not exceeding 10,000 yuan will not be displayed if the debt is repaid by March 31, 2026 [1][4]. - The credit repair process is automatic, requiring no application from individuals, and the credit reporting center will handle the technical processing of eligible overdue information [4]. Group 2: Individual Experiences - Many individuals have reported their credit reports being updated, with overdue records being cleared. For example, a person who had 47 months of overdue records found them all removed [2][3]. - Another individual noted a reduction in overdue records from 9 to 2, with the cleared records primarily from 2021 [2]. - A third individual shared that previously recorded overdue loans under 10,000 yuan were also removed, although some records remained due to penalties exceeding the threshold [3]. Group 3: Implementation and Impact - The policy is designed to be fair and straightforward, not differentiating between loan types or institutions, thus providing a broad opportunity for credit rebuilding [4]. - The credit reporting center is tasked with ensuring that any remaining overdue records that should be cleared can be addressed through customer service channels [4].

"两年前一张信用卡忘了还，逾期800元，结果房贷被拒，那一刻，人生一片黑暗""4年前，有张信用卡欠款十几元一直还不进去，结果上了征信""3年半前 的逾期都还了，但记录会影响公积金贷款吗？" …… 各大社交平台上，类似的哀叹随处可见。在信用消费如影随形的今天，从信用卡到花呗，从"先用后付"到各类分期，我们享受着金融的便捷，却也不知不 觉中走在"刀尖"上。 截至2025年11月末，央行征信系统已收录了8.1亿自然人的信贷信息。然而，一次无心的疏忽、一条沉睡的信用卡逾期记录，都有可能在你人生最重要关 头——买房、创业贷款时轰然"炸裂"。 根据以往政策，这些"信用污点"至少要伴随你五年的时间，有些人为了"排雷"，购买所谓的"去污"服务，却掉入了更深的陷阱。 所幸，信用修复机制正在加快完善。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。 "我的人生要重启了！"那些因临时周转困难而留下小额逾期记录的普通人，有望在2026年"轻装上阵"。 每一笔"花呗""白条" 都上征信 社交平台上，因"非主观恶意"而留下征信瑕疵的案例并不少见，其中不少发生在互联网平台的信用产品 ...

近日，都市左岸小区业主李女士向大庆晚报反映，小区物业自2022年起，联合多家银行推出"办理信用卡抵扣物业费"活动，引发业主对金融安全和个人征 信的担忧，记者就此展开调查采访。 据李女士介绍，该小区每年与八九家银行合作，通过在业主群宣传、小区悬挂条幅、朋友圈推广等方式，鼓励业主"薅银行羊毛"，业主每办理一张指定信 用卡，即可抵扣100元物业费，由于每人可办理多家银行的信用卡，部分家庭夫妻二人合计办理了十几张。 对于信用卡注销、年费等关键问题，办卡员解释，有的卡半年、有的一年后可注销。关于年费，其声称办卡当时就消费了，并保证"如果第二年因忘记消 费产生年费，拨打客服电话即可退还，百分之百能退。银行只是为了使用卡，不是真的扣钱。" 对此，物业经理称合作方均为银行开展的业务，活动属自愿性质，不存在强制办卡。她还表示，银行将相应款项交至物业财务，物业自身并无经济利益， 且抵扣的物业费均正常开具发票。 对于用卡要求，该经理称"消费1块钱也算一次"，并提示银行会进行相关告知。 李女士表示，很多业主觉得划算，都办了，但部分业主开始担心个人信息安全、信用卡管理不当可能引发的逾期、征信受损等风险。 因担忧风险，有业主向市市场监督 ...

Core Viewpoint - The People's Bank of China is researching a one-time personal credit relief policy aimed at removing certain overdue records from credit reports for individuals who have repaid their loans, which is expected to be implemented early next year [1][2] Group 1: Policy Implications - The personal credit report, often referred to as an "economic ID," significantly influences individuals' ability to secure loans and the cost of borrowing [1] - The new policy is designed to alleviate the long-term impact of overdue records on individuals who have repaid their debts, as these records currently remain for five years [1] - This initiative is expected to encourage individuals to actively repay overdue debts, thereby enhancing consumer spending and entrepreneurial activity, which could stimulate economic growth [1] Group 2: Impact on Financial Institutions - For banks, borrowers actively repairing their credit and repaying overdue debts will aid in recovering overdue loans and improving asset quality [2] - Financial institutions may re-engage with previously defaulted individuals who have repaired their credit, potentially expanding their customer base with growth potential [2] - The policy is not a "credit wash" but is targeted at non-malicious defaulters, requiring careful implementation to balance economic relief and prevent opportunistic behavior [2]

Core Viewpoint - The People's Bank of China is researching a one-time personal credit relief policy to help individuals repair their credit records, particularly for those who have defaulted on loans below a certain amount during the pandemic and have since repaid them. This initiative aims to address personal credit challenges and stimulate economic activity [1][2]. Group 1: Policy Details - The policy will not display default information in the credit system for individuals who have repaid loans that were in default due to the pandemic, thus acting as a "repair key" for credit records [2]. - The implementation of this policy is expected to occur in early next year, with specific details such as the default amount threshold, application process, and information removal timeline to be clarified [4]. Group 2: Social Impact - The credit relief policy reflects a governance approach that emphasizes fairness and inclusivity, acknowledging that the pandemic's impact is not a reflection of individual capability [3]. - By alleviating the credit burdens on affected individuals, the policy aims to restore consumer confidence and spending potential, contributing to social stability and harmony [3]. Group 3: Financial System Implications - The policy is seen as an opportunity for quality improvement within the financial system, as it encourages previously reluctant clients to return to formal financial institutions, thereby reducing disputes and enhancing market order [3]. - It maintains the integrity of the credit system by ensuring that only those who meet specific criteria—defaults during the pandemic, below a certain amount, and full repayment—are eligible for relief, thus balancing accountability and leniency [3].

Group 1 - The core issue revolves around a recent incident where a citizen received a debt collection message from a telecom company, indicating that overdue broadband fees could impact personal credit and various aspects of life, including children's education [1][2] - The message mentioned that overdue payments could lead to restrictions on purchasing high-speed train tickets, flights, and other services, which are related to the enforcement of credit penalties for individuals classified as "dishonest" [1][2] - The collection of dishonesty information is managed by multiple departments, including the court system and credit management agencies, and is primarily focused on civil execution cases [2] Group 2 - A telecom company representative confirmed that long-term unpaid debts could result in a credit record being created, which would be automatically uploaded to the system if not addressed [2] - The local branch of the telecom company clarified that currently, overdue broadband fees are not included in credit reporting, and paying the owed amount would resolve the issue [2] - The debt collection message is intended as a reminder, and there may be variations in how different outlets handle such communications [2]

Core Viewpoint - The 20th Central Committee of the Communist Party of China emphasizes "improving the high-level open system and mechanism," with a focus on "steadily expanding institutional openness" as a key deployment for financial reform and development in China [1]. Financial Policies Overview - Eight financial opening measures will be implemented in Shanghai, including the establishment of an interbank market trading report library, a digital RMB international operation center, and a personal credit institution [3][5]. - The aim of these policies is to enhance financial market openness, reduce cross-border capital flow settlement costs, and attract more foreign investment into China [3][5]. Digital RMB International Operation Center - The establishment of the digital RMB international operation center is a first for China, aimed at promoting the international use of the digital RMB and enhancing its position in the global monetary system [7][9]. - The digital RMB leverages blockchain and smart contract technology for real-time cross-border payment settlements, significantly reducing transaction times from 3-5 days to seconds [9][11]. Personal Credit Institution - The new personal credit institution in Shanghai will complement the existing central bank credit system by incorporating a wider range of data sources, thus enriching credit profiles for consumers [11][13]. - This initiative is expected to facilitate easier access to credit for consumers, particularly benefiting young individuals and stimulating consumption [13]. Science and Technology Innovation - The China Securities Regulatory Commission announced the introduction of a "growth layer" on the Sci-Tech Innovation Board, providing a "green channel" for tech companies to access capital markets [15][17]. - This policy aims to support innovative and high-growth tech enterprises, allowing them to secure funding even if they are not yet profitable [15][17]. Shanghai International Financial Center - The Central Financial Committee issued opinions to accelerate the construction of Shanghai as an international financial center, aiming for a comprehensive upgrade in the next 5-10 years [19]. - The shift from policy-based to institutional openness is intended to create a stable investment environment for international capital, thereby driving economic growth in China [19].

Group 1: Research Views - The performance of Chinese assets has been strong since June, with both stocks and bonds rising, pricing in possible policy changes in June. The views on stock index futures and treasury bond futures are both "volatile" [1] - For stock index futures, there are three main factors affecting the market: Sino-US communication may help resolve trade disputes; long - term consumption stimulus policies are attracting attention; and the upcoming Lujiazui Forum may bring news on capital market reform. The PPI data shows low inflation, and the market style may still favor consumption and technology. In Q1, the decline in the revenue growth rate of A - share listed companies has narrowed for three consecutive quarters, net profit has increased by about 4% year - on - year, but ROE is still at the bottoming stage [1] - For treasury bond futures, on June 18, the 30 - year main contract rose 0.09%, the 10 - year and 5 - year main contracts fell 0.01%, and the 2 - year main contract rose 0.01%. After the cross - month, the liquidity has eased marginally. In June, the bond market is unlikely to have a trending market and shows a sideways volatile pattern [1] Group 2: Daily Price Changes - For stock index futures on June 18, IH was at 2,677.4 (down 0.13% from the previous day), IF was at 3,872.2 (up 0.09%), IC was at 5,738.0 (down 0.18%), and IM was at 6,124.2 (down 0.09%) [2] - For stock indices on June 18, the Shanghai Composite 50 was at 2,679.9 (down 0.15% from the previous day), the CSI 300 was at 3,875.0 (up 0.12%), the CSI 500 was at 5,745.9 (down 0.09%), and the CSI 1000 was at 6,135.4 (down 0.10%) [2] - For treasury bond futures on June 18, TS was at 102.54 (unchanged), TF was at 106.28 (down 0.02%), T was at 109.14 (down 0.02%), and TL was at 120.90 (up 0.07%) [2] Group 3: Market News - At the 2025 Lujiazui Forum, the governor of the People's Bank of China announced eight major financial policies, including setting up an inter - bank market transaction reporting library, a digital RMB international operation center, and a personal credit investigation agency; carrying out a comprehensive reform pilot of offshore trade financial services in the Lingang New Area of Shanghai; developing free - trade offshore bonds; optimizing and upgrading the functions of free - trade accounts; innovating structural monetary policy tools in Shanghai; and promoting RMB foreign exchange futures trading [4][5] Group 4: Chart Analysis - **Stock Index Futures**: The report provides charts of the trends of IH, IF, IM, and IC main contracts, as well as the basis trends of corresponding contracts [6][7][8] - **Treasury Bond Futures**: Charts include the trends of treasury bond futures main contracts, treasury bond spot yields, basis, inter - period spreads, cross - variety spreads, and funding rates [12][13][17] - **Exchange Rates**: Charts show the central parity rates of the US dollar, euro against the RMB, forward exchange rates, the US dollar index, euro - US dollar exchange rate, pound - US dollar exchange rate, and US dollar - yen exchange rate [19][20][24]