新年伊始，有不少人发现，自己个人征信报告里的贷款逾期记录减少了，有些甚至直接归零。据了解， 这一变化源于中国人民银行近期出台的"一次性信用修复政策"。 在享受信用重建便利的同时，不少用户也对政策细节格外关注，例如逾期时间如何认定，还款有什么具 体要求，信用修复后对办理信贷业务是否仍有影响？这场关乎公众信用权益的调整，有哪些需要留意的 关键信息？ 01 一次性信用修复政策正式实施 多名网友晒出征信报告截图 为支持信用受损但积极还款的个人高效便捷重塑信用，助力经济持续回升向好，中国人民银行近期发布 通知——2020年到2025年期间，单笔不超1万元的个人逾期信息，个人在2026年3月31日前还清的，将不 予展示逾期信息。 随着征信修复新政进入实施阶段，越来越多用户通过实际操作验证了政策实效。广东有用户在社交平台 分享，自己的征信报告已完成"更新"，此前显示存在逾期记录的账户数从2个变成为0。河南也有用户查 询征信后发帖，直言"第一批征信更新的人里有我"。 △网友晒出的征信报告截图 据了解，此次出台的一次性信用修复政策并非适用于所有逾期信贷情况，修复需具体满足以下4个方面 的条件。 适用对象限定于个人在央行征信系统 ...

（原标题：央行重拳出击 华夏银行、北京银行合计被罚近4000万元） 中国人民银行连续开出大额罚单，直指商业银行在反洗钱、征信与账户管理中的深层次漏洞。11月28 日，央行连续发布银罚决字〔2025〕75—83号与84—95号行政处罚决定书，对华夏银行、北京银行及其 相关责任人合计处以近4000万元罚款。其中，华夏银行被罚1365.5万元，北京银行被罚2526.85万元，并 均被警告及没收违法所得。21名管理人员被追责，涉及运营管理、个人业务、信用卡中心、法律合规等 多个关键部门。违规行为涵盖账户管理、收单与代收业务、反假货币、财政存款占压、信用信息管理及 反洗钱核心义务履行等九大至十类问题。 从处罚内容看，华夏银行股份有限公司存在十项违法行为，具体包括：违反账户管理规定；违反清算管 理规定；违反收单业务管理规定；违反反假货币业务管理规定；违反人民币流通管理规定；违反信用信 息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和 交易记录；未按规定报送大额交易报告或者可疑交易报告；以及与身份不明的客户进行交易。 来源：中国人民银行 北京银行股份有限公司则存在九项违法行为，分别 ...

Core Viewpoint - Chongqing Xiaoyudian Microfinance Co., Ltd. has been fined 2.491 million yuan for violating credit information management regulations, marking the highest penalty issued by the People's Bank of China against a microfinance company [1][2]. Group 1: Penalty Details - The penalty consists of a dual punishment system, where not only the company was fined, but also two responsible individuals, the Chief Risk Officer and the Operations Director, were fined 142,000 yuan each [2]. - The fine was imposed after a comprehensive inspection by the People's Bank of China, which was the first on-site enforcement check since the company connected to the credit reporting system in August 2017 [2]. Group 2: Regulatory Context - The violations pertained to unauthorized collection, improper provision of information, illegal inquiries, and mishandling of adverse information, as outlined in the Credit Reporting Industry Management Regulations [2]. - The high penalty reflects ongoing stringent financial regulation and highlights compliance risks within the industry, particularly in credit information management [3]. Group 3: Industry Implications - The incident reveals vulnerabilities in credit information management processes, indicating flaws in the design of credit reporting procedures and internal compliance mechanisms [3]. - The fine may erode the company's profits and affect its market reputation, potentially influencing the choices of partner institutions [3]. - Despite the penalty, the company claims that its business operations remain stable and unaffected by the incident [3].

Core Viewpoint - The small loan industry is facing significant regulatory scrutiny, highlighted by a record fine of 2.491 million yuan imposed on Chongqing Xiaoyudian Small Loan Co., Ltd. for violations related to credit information management [1][4][5] Regulatory Actions - The fine of 2.491 million yuan is the highest ever issued by the People's Bank of China against a small loan company, indicating a strict regulatory environment [4][5] - The penalty was part of a dual punishment system, with the company's Chief Risk Officer and Operations Director also fined 142,000 yuan each, with a public disclosure period of five years [2][3] Company Response - Xiaoyudian stated that it has completed all necessary rectifications and that its business operations remain stable and unaffected by the fine [6][12] - The company emphasized that the fine resulted from a routine regulatory inspection, marking its first on-site examination since joining the credit reporting system in 2017 [3][4] Background and Operations - Xiaoyudian, established in 2015 and backed by Hong Kong's Lee Ka-shing family, primarily serves small and micro enterprises with products like Yushang Loan and Yuhua Loan, with an annual interest rate starting at 12% [7][10] - The company has served over 5.6 million users and has a cumulative loan amount of approximately 48 billion yuan, with over 80% directed towards small and micro enterprises [10][18] Consumer Issues - The company has faced criticism regarding its training loan products, with consumers reporting issues such as misleading loan inducements and high-interest rates [11][12] - Xiaoyudian has acknowledged the challenges in consumer complaints and is committed to enhancing compliance training and consumer protection measures [14][18] Strategic Focus - Moving forward, Xiaoyudian plans to concentrate on financing small and micro enterprises, addressing challenges such as credit assessment and high funding costs [19][20] - The company is collaborating with various data service providers to improve risk assessment models, particularly in the logistics sector [19][20]