Core Points - The National Development and Reform Commission (NDRC) has drafted the "Credit Repair Management Measures (Draft for Comments)" to establish a unified, standardized, and efficient credit repair system to assist credit entities in restoring their credit status effectively [1][2] - Credit repair refers to the process where credit entities apply to the "Credit China" website to remove or terminate the public disclosure of their bad credit information after correcting their misconduct and fulfilling relevant obligations [1] Summary by Sections Credit Entities and Information Management - Credit entities are defined as legal and non-legal organizations that have their bad credit information publicly disclosed on the "Credit China" website [1] - Bad credit information is categorized based on severity into three classes: "minor, general, and serious," with different public disclosure periods set according to the principle of proportionality [1] Public Disclosure Periods - Minor bad credit information may not be disclosed or can be repaired after fulfilling legal responsibilities, with a maximum public disclosure period of 3 months if necessary [1] - General bad credit information has a minimum public disclosure period of 3 months and a maximum of 1 year [1] - Serious bad credit information has a minimum public disclosure period of 1 year and a maximum of 3 years [1] Credit Repair Process - The credit repair process includes removing entities from the serious bad credit list, terminating the public disclosure of administrative penalties, and repairing other bad credit information [2] - Credit entities must meet specific conditions to apply for credit repair, including reaching the minimum public disclosure period, correcting misconduct, fulfilling obligations, making a public credit commitment, and complying with other legal requirements [2] - For bankrupt restructured enterprises, the management can apply for credit repair during the execution of the restructuring plan or settlement agreement, with relevant authorities required to temporarily shield bad credit information upon receiving the application [2]

证券时报记者韩忠楠 值得关注的是，对于那些破产重整企业的信用修复，《管理办法》也作出了明确要求，重整计划或者和 解协议执行期间，重整企业或者管理人可以持人民法院批准重整计划或者认可和解协议的裁定书， 向"信用中国"网站提出信用修复申请。行业主管部门应当自收到申请之日起十个工作日内，按照最小必 要原则，临时屏蔽违法失信信息，临时解除可能影响重整计划或者和解协议执行的管理措施。重整计划 或者和解协议未执行成功的企业，行业主管部门应当恢复其原有违法失信信息公示状态。 据悉，此次公开征求意见截止时间为2025年9月30日。接下来，信用修复的协同联动措施也将配套实 施。 （文章来源：证券时报） 其中，轻微失信信息包括以简易程序对信用主体作出的行政处罚信息；以普通程序对信用主体作出的警 告、通报批评等行政处罚信息等。轻微失信信息可以不予公示或法定责任履行完毕即可申请修复，确有 必要公示的，公示期最长为3个月。 一般失信信息则包括暂扣许可证件、降低资质等级、没收违法所得、没收非法财物的行政处罚信息等， 其最短公示期为3个月，最长为1年。 严重失信信息包括吊销许可证件、限制开展生产经营活动、责令停产停业、责令关闭、限制从业的 ...

办法明确，失信信息按照失信严重程度实行分类管理，原则上划分为"轻微、一般、严重"三类，按照过 罚相当原则，分别设置不同的公示期限。最短公示期届满后，信用主体方可按规定申请信用修复；最长 公示期届满且信用主体纠正失信行为、完全履行相关义务后，相关信息自动停止公示。公示期限自失信 信息公示之日起开始计算。 其中，轻微失信信息可以不予公示或法定责任履行完毕即可申请修复，确有必要公示的，公示期最长为 3个月；一般失信信息的最短公示期为3个月，最长为1年；严重失信信息的最短公示期为1年，最长为3 年。 在信用修复的办理方面，办法明确，信用修复的方式包括移出严重失信主体名单、终止公示行政处罚信 息、移出异常名录和修复其他失信信息。 国家发展改革委9月1日消息，为建立健全统一规范、协同共享、科学高效的信用修复制度，更好帮助信 用主体高效便捷重塑信用，国家发展改革委研究起草了《信用修复管理办法（征求意见稿）》，现向社 会公开征求意见。 符合以下所有条件的信用主体，可以向"信用中国"网站申请信用修复：一是达到最短公示期限；二是纠 正失信行为，完全履行行政处罚或严重失信主体名单所规定的义务；三是公开作出信用承诺，承诺内容 应包括 ...

Core Viewpoint - The National Development and Reform Commission (NDRC) is seeking public opinions on the draft of the Credit Repair Management Measures to establish a unified and efficient credit repair system, aimed at helping credit subjects restore their credit effectively and conveniently [1] Group 1: Credit Repair Management - The draft categorizes dishonest information based on severity into three levels: "minor, general, and serious," with different public disclosure periods set according to the principle of proportionality [1] - The shortest public disclosure period must expire before credit subjects can apply for credit repair, while the longest period will automatically stop once the subjects correct their dishonest behavior and fulfill their obligations [1] Group 2: Application Conditions - Credit subjects can apply for credit repair on the "Credit China" website if they meet all specified conditions, including reaching the shortest public disclosure period and correcting their dishonest behavior [1] - Additional requirements include making a public credit commitment, ensuring the authenticity of submitted materials, and fulfilling any other legal obligations [1]