为更好地服务经营主体，帮助企业顺利复工复产，该局主动靠前服务，推行助企复工"信用焕新"专项服 务。通过数据筛查，该局精准梳理出符合"处罚履行、危害消除、同案未发"条件却未进行信用修复的经 营主体，安排专人与其对接，提供线上AI"信用修复小助手"与线下专人指导相结合的全程服务，帮助企 业及时破除因违法失信记录导致的经营阻碍，助力轻装上阵。 "经营主体卸下了失信包袱，发展活力与信心得到提振。"海曙区市场监管局相关负责人表示，"目前， 我们正着力构建长效机制，帮助企业重塑市场竞争力，助其开足马力迎订单、安心舒心谋发展。" □纪 鸿 （来源：中国市场监管报） 转自：中国市场监管报 本报讯 "违法失信记录不仅是企业的信用污点，更是压在我心里的一块大石头。没想到年后刚开工，你 们就主动指导我们完成信用修复，为企业参与招投标扫清了障碍。"2月25日，浙江省宁波市某机动车检 测公司节后复工第一天，宁波市海曙区市场监管局工作人员就将助企"信用焕新"服务送到了企业家门 口。专业、高效的服务，获得企业负责人林先生的称赞。 这源于该局推出的节后助企复工"信用焕新"专项服务。据了解，该局自2025年起推行行政处罚"三书同 达"机制，在 ...

《指引》系统集成八大类核心公共信用服务事项，构建了完整的服务框架。 信用修复事项明确了符合条件的信用主体如何申请终止失信信息公示、解除惩戒措施，强调"依申请为 主，主动提示为辅"，并列明线上（"信用中国"网站）、线下（市、区服务窗口）两种办理途径和具体 流程。 信用核查事项规范了各级国家机关及授权组织在履职中依法进行信用核查的申请方式与流程，确保核查 工作的合规性与严肃性。 （来源：天津日报） 转自：天津日报 本报讯（记者 陈璠）为进一步提升天津市公共信用服务标准化、规范化、便利化水平，持续优化营商 环境，近日我市出台《天津市公共信用服务工作指引》（以下简称《指引》）。《指引》首次对市、区 两级公共信用管理机构提供的全部服务事项进行了系统性梳理、全流程规范与标准统一，标志着我市公 共信用服务体系建设迈入系统整合、提质增效的新阶段，将为各类信用主体提供更加清晰、便捷、高效 的"信用导航"服务。 长期以来，公共信用服务涉及修复、核查、报告、异议等多个事项，相关流程和标准散见于不同文件， 导致服务标准不一、信息获取不便、办理流程不清等问题。为进一步规范服务行为、提升服务效能，我 市制定出台《指引》，通过明确服务内容 ...

广东近400万人完成信用修复 14.5万人再获批新贷款 中新网广州2月13日电 (记者 许青青)据中国人民银行广东省分行介绍，广东省一次性信用修复政策落地 顺畅，成效显著。截至目前，辖内金融机构的客户中已有近400万人完成信用修复，实现信用重塑，其 中约14.5万人已成功获批新贷款。 该行着力提升系统处理能力，扩容征信查询服务节点，对全辖714台个人自助查询机开展全覆盖巡检与 维护。同时，指导银行扩容线上查询服务，容量较此前提升十倍；针对广州、佛山、东莞、惠州等查询 量较大的地区，实施动态监测与资源统筹调配。政策实施以来，全辖累计提供个人征信查询服务超37万 次。 该行表示，将持续践行"征信为民"服务理念，加大征信服务保障力度，推动征信纠纷源头化解；指导金 融机构在依法合规前提下，提供容时容差、调整还款方案等服务，将一次性个人信用修复政策落细落 实，有力有效地保障社会公众征信权益。(完) 来源：中国新闻网 编辑：万可义 为推动政策精准直达，该行组织辖内金融机构通过短信推送、App弹窗等方式向存量客户广泛推送政策 信息，累计触达符合条件的客户91.1万人；同步增设热线电话、在线客服、微信公众号等多类政策咨询 渠 ...

据透露，人民银行广东省分行第一时间成立政策实施工作小组，制定专项工作方案，从统筹协调、压实 责任、加强响应、充分宣传、服务保障等方面认真谋划政策落实。构建上下联动的政策传导机制，组织 112家接入机构召开征信监管现场会，组织和指导全辖中国人民银行分支机构、接入机构开展培训，累 计覆盖12.4万人，从单位负责人到基层经办，将政策辅导一贯到底。实时跟进14家业务量大、客户数量 多的金融机构政策落地情况，及时发现并协调解决问题，确保政策执行高效有序。 下一步，人民银行广东省分行将持续践行"征信为民"理念，加大征信服务保障力度，推动征信纠纷溯源 化解，指导金融机构在依法合规的前提下提供容时容差、调整还款方案等服务，将一次性个人信用修复 政策落实落好，有力有效保障社会公众征信权益，为增强发展信心、激活社会消费提供更多征信助力。 （编辑：张漫游 审核：何莎莎 校对：颜京宁） 中国人民银行广东省分行一次性信用修复成效显著： 近400万人实现信用重塑 中经记者 秦玉芳 广州报道 中国人民银行广东省分行2月12日披露的数据显示，一次性信用修复政策出台以来，广东省分行高度重 视、迅速行动，抢时间、谋措施、抓落实，顺利推进政策在广 ...

Core Viewpoint - The central theme of the articles emphasizes the continuation of a moderately accommodative monetary policy by the central bank, aiming to support economic growth and optimize credit structures while addressing personal credit issues through specific policies [1][2]. Group 1: Monetary Policy and Credit - The central bank plans to maintain a moderately accommodative monetary policy, integrating both incremental and stock policies to enhance effectiveness [1]. - New loan interest rates have decreased, with the weighted average interest rate for new loans in December at 3.15%, down 10 basis points from September [1]. - The growth rates for various loan categories, including technology loans (11.5%), green loans (20.2%), and digital economy loans (14.1%), have outpaced the overall loan growth rate [1]. Group 2: Asset Management Products and Deposits - The rapid growth of asset management products has influenced the structure of bank deposits, with a notable decline in the growth rate of resident deposits [1]. - By the end of 2025, the total assets of asset management products reached 120 trillion yuan, reflecting a year-on-year growth of 13.1% [8]. - Over 80% of asset management products are allocated to fixed-income assets, indicating that funds, even when shifted to asset management products, ultimately flow back into the banking system [8]. Group 3: Policy Measures and Support for Credit - In January 2026, the central bank and the Ministry of Finance announced a package of policy measures aimed at boosting domestic demand, including support for small and medium-sized enterprises and consumer spending [2]. - A one-time credit repair policy was introduced to help individuals improve their credit status by removing records of overdue debts under specific conditions [2]. - Investment recommendations for the banking sector in 2026 focus on identifying targets with potential for growth, banks with convertible bond expectations, and continuing dividend strategies [2].

2月12日，智通财经记者获悉，为落实一次性信用修复政策，推动政策红利充分释放，助力消费复苏， 畅通信贷循环，中国人民银行广东省分行迅速行动，顺利推进政策在广东辖内平稳落地。截至目前，辖 内机构客户中近400万人完成修复，实现信用重塑，其中，约14.5万人已获批新的贷款。（智通财经记 者 曾令俊） ...

（来源：河北日报） 转自：河北日报 异地帮办 企业免跑 邯郸与省外4市联动办理信用修复 本报讯（记者刘剑英）2月2日从邯郸市行政审批局获悉，该市与河南省安阳市、新乡市以及山西省长治 市、山东省聊城市建立"异地帮办、企业免跑"信用修复跨省联动机制，截至目前，累计完成跨省信用修 复139条，惠及企业56家。 "以前补办跨省信用修复申请材料得跑好几天，现在缺失的材料由审批部门帮办人员全程代办，企业省 时又省心！"近日，邯郸市正飞物流有限公司安全科负责人王立鹏介绍，企业在邯郸周边区域业务较 多，以往完成跨省信用修复费时费力。 "晋冀鲁豫交界区四市地缘相近，经济与人员往来密切。以往，企业在跨区域经营中受到行政处罚后， 常因信用修复而多地奔波，耗费大量时间与精力。"邯郸市行政审批局社会信用体系建设管理科负责人 郝中波介绍，信用修复跨省联动机制通过"数据多跑路"实现"企业免跑腿"，提高了信用修复效率。 根据合作备忘录，五市任一属地的经营主体在五市行政管辖范围内受到行政处罚，在信用修复时如有罚 款单据等申请修复材料遗失的情况，可联系处罚地信用建设牵头部门，由其协调当地行政处罚机关，依 法依规核实经营主体的申请事项。行政处罚机 ...

Investment Rating - The industry investment rating is "Overweight" [8] Core Insights - The report emphasizes the importance of personal credit repair policies and the collaboration between fiscal and monetary policies to support high-quality development [3][5] - The social comprehensive financing cost has decreased, with the weighted average interest rate for new loans at approximately 3.15%, down 10 basis points from September [2] - The report highlights the rapid growth of asset management products, which is changing the deposit structure and maintaining liquidity stability [4] Summary by Sections Section 1: Personal Credit Repair and Risk Prevention - The central bank has introduced a one-time personal credit repair policy to support individuals with overdue information under 10,000 yuan after full repayment, aiming to stimulate micro-entity vitality [4] Section 2: Financing Costs and Credit Structure - The weighted average interest rates for general loans and corporate loans have decreased to 3.55% and 3.10%, respectively, while personal housing loan rates remained stable at 3.06% [2] - Loans for technology, green finance, inclusive finance, and digital economy sectors have shown significant year-on-year growth, with increases of 11.5%, 20.2%, 10.9%, and 14.1% respectively [2] Section 3: Fiscal and Monetary Policy Collaboration - The central bank has increased the quotas for re-loans aimed at technological innovation and small enterprises by 900 billion yuan, alongside a dedicated 1 trillion yuan for private enterprises [3] - The green loan balance reached 44.8 trillion yuan, reflecting a 20.2% year-on-year growth, indicating a robust green finance market [3] Section 4: Liquidity and Credit Governance - The report suggests observing liquidity from a combined perspective of asset management products and bank deposits, noting an 8.1% year-on-year growth in total liquidity indicators [4] - The overall social financing environment remains loose, supporting the ongoing credit repair initiatives [4] Section 5: Future Monetary Policy Directions - The central bank aims to maintain reasonable growth in financial totals and implement moderately loose monetary policies, focusing on price recovery and risk prevention [5] - The report outlines the need for improved market-based interest rate formation and transmission mechanisms to better reflect loan market rates [5]

Core Insights - Yunnan Province's Honghe Prefecture is addressing the financing challenges faced by private enterprises by establishing a "credit repair + bank-enterprise connection" dual bridge to facilitate financial resources reaching operational entities effectively [1][2] Group 1: Financial Connectivity - The local industry and commerce association has implemented a "regular visits + specialized connections" mechanism to enhance government-bank-enterprise interactions, successfully connecting with 41,200 enterprises since 2025 and forming two lists for application and recommendation [1] - A total of 2,329 enterprises have been recommended for bank credit, with 1,969 successfully obtaining bank credit, resulting in a credit approval rate of 84.54% [1] Group 2: Innovative Financial Products - Financial institutions are encouraged to develop differentiated credit products tailored to local industry characteristics, including a credit line of 3.255 billion yuan for the Yunnan Honghe low-carbon aluminum project, with 1.746 billion yuan already disbursed [2] - Support for the small shallot industry has resulted in a total credit amount of 446 million yuan, benefiting 1,869 farmers and 318 enterprises [2] - The expansion of "white list" projects has enabled three projects, including Jufu Junyuefu, to secure a credit line of 250 million yuan, with 114 million yuan already disbursed [2] Group 3: Enhanced Service Efficiency - The local industry and commerce association has signed cooperation agreements with financial institutions to conduct regular government-bank-enterprise connection activities, facilitating long-term stable partnerships and providing comprehensive financing services [2] - Since 2025, five enterprises have successfully reached financing agreements through government-bank collaboration, with a total financing amount of 13.92 million yuan, effectively addressing urgent financial needs [2]

央行发布2025年第四季度中国货币政策执行报告。其中专栏"4"提出，下一步，中国人民 银行将进一步 发挥征信在社会信用体系建设中的重要作用，以更加多元的产品供给、更加便利的征信服务、更加有效 的权益保护，为金融服务实体经济、防范化解金融风险、助力金融强国建设提供有力支撑。 ...