与此同时，也有机构招揽生意，声称可付费进行"信用修复"。专家提示，作为"经济身份证"，个人征信 愈发受到重视，但要小心有人浑水摸鱼，"越帮越忙"。 来源：北京晚报微信公众号 近期，中国人民银行发布一次性信用修复政策，宣布自2026年元旦起，对特定历史时期的个人小额逾期 记录实施有条件、一次性的信用修复。不少率先行动的用户纷纷晒出"修复"完成、逾期记录清零的个人 信用报告。 声称：用法律知识"消除不良记录" 值得注意的是，央行此次发布的政策，并非长期的延续安排，而是面向特定群体，在一段时间内开放。 记者看到，其"修复"有着严格的制约条件——适用对象为个人在央行征信系统中展示的信贷逾期信息； 适用时间区间为2020年1月1日至2025年12月31日产生的逾期记录；适用金额为单笔逾期金额不超过1万 元；适用前提是逾期债务须在2026年3月31日前足额还清，四者缺一不可。 如果想要"修复"的逾期记录不在这个范围内，该怎么处置呢？记者发现，网络平台上还有不少号称能 够"消除不良记录"的信贷问题处理机构或个人，这些许诺靠谱吗？ 以信用卡逾期为名，记者联系了多家机构，均需告知对方发卡银行、逾期次数和时间、金额等信息。一 家 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy effective from January 1, aimed at helping individuals with small overdue debts, particularly those affected by the COVID-19 pandemic, to restore their credit status by not displaying certain overdue information in the credit system [2][3]. Group 1: Policy Details - The credit repair policy targets individuals with overdue information from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [2]. - Eligible individuals must have fully repaid all overdue debts by March 31, 2026, to benefit from the policy [2]. - The policy features an "automatic recognition" mechanism, allowing eligible individuals to benefit without submitting application materials [2]. Group 2: Additional Benefits - In the first half of 2026, the People's Bank of China will provide each individual with two additional free opportunities to check their credit report [3]. - If debts are repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [3]. - For debts cleared between December 1, 2025, and March 31, 2026, the credit system will update the information by the end of the month following repayment [3]. Group 3: Practical Considerations - Users are advised to confirm their repayment status after paying off debts to avoid issues with third-party delays [4]. - Caution is advised against illegal intermediaries claiming to "clean" credit records for a fee, as such actions may be fraudulent [4]. - It is emphasized that repairing credit is just the first step; individuals should manage their debt levels responsibly to build a solid credit history for future financial activities [4].

Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China, which allows individuals with overdue credit information to have their records removed under certain conditions, thereby improving their creditworthiness and access to loans [3][4]. Policy Implementation - The one-time credit repair policy was announced on December 22, 2025, and became effective on January 1, 2026, allowing eligible individuals to benefit from automatic credit repair without the need for application [3][5]. - The policy aims to assist individuals who have experienced credit issues due to non-subjective factors such as unemployment or illness since January 1, 2020, and have a willingness to repay their debts [4][9]. Eligibility Criteria - The policy applies to overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [6]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the removal of their overdue records from the credit report [6]. Changes in Credit Information Display - There are two scenarios for the adjustment of overdue information based on the repayment date: 1. If debts are repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [8]. 2. If debts are repaid between December 1, 2025, and March 31, 2026, the information will be updated to reflect normal repayment status by the end of the following month [8]. Automatic Processing - The credit repair process is automatic, meaning individuals do not need to apply or provide documentation; the system will identify and process eligible overdue information starting January 1, 2026 [8][9]. - The People's Bank of China will also provide additional opportunities for individuals to check their credit reports for free in the first half of 2026 [8]. Educational and Remedial Focus - The credit repair policy is designed to provide a pathway for those who have made genuine efforts to correct their credit issues, emphasizing education and remediation rather than simply erasing negative records [9].

Core Viewpoint - The People's Bank of China has implemented a "one-time credit repair policy" aimed at helping individuals with damaged credit histories to restore their credit status efficiently, thereby supporting economic recovery [1][9]. Group 1: Policy Implementation - The one-time credit repair policy allows individuals with overdue loans of up to 10,000 yuan that occurred between January 1, 2020, and December 31, 2025, to have their overdue records removed if they repay by March 31, 2026 [1][5]. - Users have reported successful updates to their credit reports, with some seeing overdue records drop from two to zero [1]. Group 2: Conditions for Eligibility - The policy applies only to personal credit overdue information displayed in the central bank's credit system [5]. - Individuals must repay their overdue debts in full by March 31, 2026, to qualify for the removal of overdue records [5][10]. - The policy is not applicable to new overdue information generated after December 31, 2025 [5]. Group 3: Nature of Credit Repair - The removal of overdue records does not equate to the deletion of the underlying data; it simply makes the records invisible while maintaining the integrity of the credit management system [6][7]. - The policy emphasizes that active repayment is a prerequisite for credit repair, reinforcing the importance of fulfilling repayment obligations [6][7]. Group 4: Implications for Individuals and Financial Institutions - The policy aims to alleviate the long-term consequences of credit issues, encouraging individuals to rectify their credit status and improve their financial opportunities [11]. - Financial institutions may benefit from this policy as it encourages borrowers to repay overdue debts, potentially improving asset quality and expanding their customer base [11].

Core Viewpoint - The People's Bank of China has implemented a "one-time credit repair policy" aimed at helping individuals with damaged credit histories to restore their credit status efficiently, thereby supporting economic recovery [1]. Group 1: Policy Implementation - The one-time credit repair policy allows individuals with overdue loans of up to 10,000 yuan incurred between January 1, 2020, and December 31, 2025, to have their overdue records removed if they repay by March 31, 2026 [1][3]. - Users have reported successful updates to their credit reports, with some seeing their overdue records drop from two to zero [1]. Group 2: Conditions for Eligibility - The policy applies only to overdue information displayed in the central bank's credit system and is limited to specific conditions, including the overdue amount and repayment timeline [3]. - Individuals must repay their overdue debts in full by March 31, 2026, for the records to be removed [4]. Group 3: Implications of the Policy - The policy does not delete negative credit records but changes their status from overdue to normal upon repayment, maintaining the underlying data [4][5]. - The initiative is designed to encourage individuals to actively repay debts, thus improving their access to financial services and enhancing their overall financial health [6][7]. - Financial institutions may benefit from this policy as it could lead to improved asset quality and a broader customer base by reintroducing previously defaulting individuals into the financial system [6][7].

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows eligible individuals to have overdue information not displayed in the financial credit information database, leading to potential scams by fraudsters posing as financial institutions offering credit repair services [1][7]. Group 1: Policy Overview - The new credit repair policy is automatic, meaning individuals do not need to apply; the central bank's credit system will identify and adjust eligible overdue information automatically [2][8]. - The policy applies to all institutions connected to the central bank's credit system, covering overdue information from personal loans on lending platforms if the lender is connected to the system [2][8]. - Specific conditions for overdue information to qualify for repair include: 1) the overdue occurred between January 1, 2020, and December 31, 2025; 2) the overdue amount does not exceed 10,000 RMB; 3) the overdue debt must be fully repaid by March 31, 2026 [2][8]. Group 2: Fraud Risks - Fraudsters have exploited the new policy, creating scams that mislead individuals unfamiliar with the rules, claiming to offer credit repair services for a fee [2][8]. - Three main types of scams related to credit repair have been identified: 1) falsely claiming to apply for credit repair for a fee; 2) fabricating internal documents to suggest additional conditions for the policy; 3) inducing consumers to engage in "debt rollover" schemes, leading to higher debt costs [2][8]. Group 3: Company Initiatives - The company has been actively collaborating with regulatory bodies and law enforcement to combat financial fraud related to credit repair and other gray market activities [5][11]. - Utilizing technological advantages in AI and smart models, the company has established a mechanism for sharing leads and conducting joint investigations with police, resulting in the resolution of nearly 100 cases and the dismantling of 25 organized crime groups over the past two years [5][11]. - The company emphasizes the importance of protecting personal information and advises users to avoid engaging with suspicious communications regarding credit repair [5][11].

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at specific small overdue debtors, providing a limited-time opportunity for credit restoration [1][5]. Group 1: Policy Details - The policy applies to personal overdue information occurring between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB. Full repayment by March 31, 2026, will result in the removal of related overdue records from credit reports [5][6]. - The policy features "automatic enjoyment," meaning individuals do not need to apply or submit materials; eligible cases will be processed automatically by the credit system without any fees or third-party involvement [5][6]. Group 2: Beneficiaries and Implementation - The policy primarily benefits individuals who have experienced small overdue debts due to non-subjective factors such as unemployment or illness since 2020, including ordinary wage earners, small business owners, and individual entrepreneurs [5][7]. - The implementation of the policy is characterized by three principles: a defined period, a specified amount, and certain conditions, ensuring a balance between accessibility and risk control [6][7]. Group 3: Impact on Personal Credit Applications - Experts believe the policy will have a positive effect on personal credit applications, as eligible overdue information will no longer be displayed, potentially improving approval rates for loans and credit [8][9]. - Financial institutions may initially assess creditworthiness differently, but as the credit system adjusts, the approval process is expected to normalize [8][9]. Group 4: Recommendations for Individuals - Individuals are advised to take advantage of this opportunity by ensuring full repayment of debts by March 31, 2026, to benefit from the policy without incurring any costs [9]. - Establishing sustainable credit management habits is recommended, including timely repayments, monitoring credit reports, and avoiding excessive debt [9].

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at helping individuals with small overdue debts, which is expected to benefit both borrowers and financial institutions while curbing the illegal credit repair industry [1][2]. Group 1: Policy Details - The policy allows individuals with overdue amounts not exceeding 10,000 RMB from January 1, 2020, to December 31, 2025, to have their overdue information not displayed if they repay their debts by March 31, 2026 [1]. - The implementation of the policy is designed to be "automatic and free," eliminating the need for third-party intermediaries [2][3]. Group 2: Benefits for Borrowers - The policy breaks the cycle of "one-time default leading to five years of restrictions," enabling non-malicious small overdue borrowers to rebuild their credit and regain access to consumer loans and other financing opportunities [3][4]. - It reduces the time and operational barriers for borrowers seeking credit repair, allowing them to complete the process without relying on third parties [3][5]. Group 3: Impact on the Illegal Credit Repair Industry - The establishment of a legitimate, free channel for credit repair significantly reduces the motivation for borrowers to seek out illegal services, thereby cutting off the survival basis for the black market [2][3]. - The policy directly addresses the issue of fraudulent practices by illegal intermediaries who exploit individuals' urgency to restore their credit [2][4]. Group 4: Implications for Financial Institutions - The policy is expected to activate a segment of potential customers who have repayment willingness but have been blacklisted due to historical small overdue debts, thus expanding effective credit demand [6][7]. - It clarifies the standards and processes for credit repair, reducing the ambiguity in credit assessments for overdue clients and lowering verification costs for financial institutions [6][7]. Group 5: Long-term Financial Stability - The requirement for full repayment by March 31, 2026, is anticipated to facilitate the recovery of overdue debts, thereby reducing the scale of non-performing assets [7]. - The automatic processing model of "no application required" alleviates operational burdens on financial institutions, allowing them to better identify and support non-malicious overdue customers [7].

Core Viewpoint - The article discusses the upcoming economic turning point expected in 2026, highlighting three significant policy announcements aimed at stimulating the economy and improving consumer confidence [1]. Group 1: Credit Repair Policy - A new credit repair policy allows individuals to remove overdue information from their credit records if they repay debts of up to 10,000 RMB by March 31, 2026, with specific deadlines for different repayment periods [2][3]. - This policy is seen as a groundbreaking move that addresses the impact of external factors on personal credit, providing an opportunity for individuals to restore their creditworthiness [3]. Group 2: Child-Rearing Cost Reduction - Legislation is being proposed to lower the cost of child-rearing, particularly for children under three years old, as part of broader measures to support childbirth and family welfare [4]. - The government has introduced various incentives, such as birth subsidies and free kindergarten, indicating a strong commitment to encouraging higher birth rates and reducing the financial burden on families [4]. Group 3: Economic Indicators and Monetary Policy - The LPR (Loan Prime Rate) remains unchanged, which aligns with expectations, as the government aims to maintain flexibility for potential rate cuts in the future [6][8]. - Economic growth indicators are positive, with a GDP growth rate of 5.3% in the first three quarters, surpassing the annual target of 5%, suggesting a stable economic environment [8]. Group 4: Future Economic Outlook - The article emphasizes that 2024 is likely to be a crucial year for economic transformation, driven by policies aimed at stimulating consumption and addressing income distribution [10][11]. - The focus on expanding domestic demand and improving welfare systems is expected to create favorable conditions for economic growth and investment opportunities [11]. Group 5: Global Economic Context - The article notes the shifting global economic landscape, with China moving from a low-end manufacturing economy to a strong industrial nation capable of competing in higher-value sectors [6]. - The anticipated actions of the Federal Reserve regarding interest rates are expected to influence global economic dynamics, creating further opportunities for investment [9].

Core Viewpoint - The People's Bank of China is set to implement a one-time personal credit relief policy in early 2026, aimed at addressing the credit repair needs of individuals affected by the pandemic, specifically those who have fully repaid loans despite having defaulted due to uncontrollable circumstances [3][6]. Summary by Sections Credit Relief Scope - The new policy will only apply to individuals who experienced defaults due to the pandemic and have fully repaid their debts, thus providing a "reset" opportunity for those with "non-malicious" defaults [7][8]. - The policy will not cover malicious defaults and will have a threshold for the amount of default, which is yet to be specified [7]. Impact on Individuals - The policy aims to help individuals restore their credit status, allowing them to regain access to housing loans, car loans, and business loans, thereby facilitating a return to normal financial activities [8][9]. - It is expected to encourage more individuals to clear their debts, as the policy emphasizes that only those who have repaid their loans will benefit from the relief [8]. Economic Implications - By improving the credit records of many consumers, the policy is anticipated to stimulate economic activity by enabling more potential homebuyers, entrepreneurs, and small business owners to access financial support [8][9]. - The initiative is seen as a positive signal for encouraging repayments, which could lead to a healthier credit environment and improved asset quality for financial institutions [9][10]. Technical Implementation - The relief will not involve the complete removal of default records but will instead use a "non-display" method for qualifying defaults, which will be implemented after necessary technical preparations by the People's Bank of China and financial institutions [9][10]. - The policy is characterized as a structured and conditional relief mechanism, rather than a blanket "credit washing" solution [10].