21世纪经济报道记者 边万莉 近日，征信行业迎来重要突破。朴道征信有限公司（以下简称"朴道征 信"）正式引入中移投资控股有限责任公司（以下简称"中移投资"）作为战略股东。值得关注的是，这 是国内个人征信公司首次引入基础电信企业作为战略股东，打破了此前市场化征信机构股东集中于金 融、互联网科技领域的格局。 朴道征信是全国三家持牌的个人征信机构之一，同时持有企业征信业务资质，注册资本10亿元。2020年 12月28日在北京朝阳自贸区注册成立，2021年2月2日，在北京举行揭牌仪式，正式开业。 成立之初，朴道征信主要股东及所持股份为：北京金融控股集团有限公司持股35%，京东数字科技控股 股份有限公司持股25%，北京小米电子软件技术有限公司持股17.5%，北京旷视科技有限公司持股 17.5%，北京聚信优享企业管理中心持股5%。4家股东各有特色和优势，能够在信息安全、数据、场景 及技术方面形成优势互补。 "中移投资带来的核心差异不只是数据本身，而是长期形成的数据治理和工程化能力。"刘新海认为，相 比互联网平台数据更偏向业务场景，中移动体系的优势在于对超大规模、高并发系统的管理能力，以及 在安全、合规、隐私保护方面形成的 ...

Group 1 - New regulations effective from January 1, 2026, will address various aspects such as social security, education, electric vehicles, and cybersecurity to better respond to public concerns and enhance development vitality [2][3][4][5][6][7][8][9][10] - The revised Public Security Administration Punishment Law will include new behaviors affecting social security, such as exam cheating and unauthorized drone flights, which may face penalties [2] - The new kindergarten fee policy mandates public and non-profit kindergartens to implement government-guided pricing, while for-profit kindergartens will follow market pricing, with a requirement for fee transparency [3] - The first mandatory standard for electric vehicle energy consumption will require necessary technical upgrades for new products, improving average driving range by approximately 7% [4] - The new VAT law will be implemented, marking significant progress in establishing legal frameworks for taxation in China [5] Group 2 - The revised National Common Language Law will enhance language education and set standards for online language use, promoting the use of the national language [6] - A one-time credit repair policy will allow for automatic adjustments to credit reports for overdue records under specific conditions, improving personal credit visibility [7] - The National Park Law will prioritize hiring local residents for ecological management positions and encourage public participation in conservation efforts [8] - The amended Cybersecurity Law will introduce risk monitoring and assessment for artificial intelligence, supporting the development of key technologies [9] - The revised Civil Case Cause Regulations will include new categories related to data and virtual property disputes, expanding the total number of causes to 1,055 [10]

Core Viewpoint - Puda Credit has officially introduced China Mobile Investment Holdings as a strategic shareholder, which is expected to enhance its equity structure and integrate China Mobile's data resources into the credit system of China [1] Group 1: Strategic Partnership - The introduction of China Mobile Investment as a significant shareholder will optimize Puda Credit's equity structure [1] - China Mobile Investment, established in 2016 with a registered capital of 20 billion yuan, serves as a centralized management platform for China Mobile's equity investments and capital operations [1] Group 2: Data Resource Integration - The partnership aims to deepen the integration of China Mobile's data resources into China's credit system, expanding data application scenarios and innovating data products [1] - This collaboration is expected to enhance the vitality of data elements and unlock their value, supporting financial services for the real economy and digital economy [1] Group 3: Future Development Plans - Puda Credit plans to leverage this opportunity to further develop its "credit + technology" core capabilities and increase R&D investment [1] - The company aims to explore advanced technologies, such as large models, in the credit field, improve its product system, and expand service scenarios [1] - The goal is to provide smarter, safer, and more efficient credit services for financial institutions, ensuring a solid data foundation and risk control for inclusive finance [1]

来源：柒财经 近日，央行发布《关于实施一次性信用修复政策有关安排的通知》，一经出炉便在朋友圈迅速传播，引发广泛热议。 柒财经梳理，这一牵动了无数人心的新政着重讲了三点内容： 对于2020年1月1日至2025年12月31日期间，单笔金额不超过10000元人民币的个人逾期信息，可实现一次性信用修复； 具体操作是：在2025年12月1日至2026年3月31日之间足额偿还逾期债务；一次性信用修复政策不区分金融机构和业务类型，也不限制笔数。 ▲图源：央行官网 划定一万元的"红线"，这条通知的指向很明确，其针对的不是金融大鳄、资本大佬、商业巨擘，只能是普通大众。 01 新政惠及大众 1万元的逾期看似微末不足道，但现实却是：这就是勒住太多普通人脖颈的"缰绳"。 今年7月，据媒体从部分助贷平台和金融机构处了解的情况，当前用款方以中青年为主，单笔借款额普遍都在1万元以内。 比如，某助贷平台人士透露，客户中40岁以下的中青年占比近七成，约85%为大专及以下学历，超过80% 从事非白领服务业或制造业，涵盖新蓝领、年轻 白领等，平均借款额8000元左右。 2019年11月，尼尔森在《中国年轻人负债状况报告》中提到： "57%的工作9 ...

Group 1: Education and Childcare - Non-profit private kindergartens will have their tuition and accommodation fees regulated by government guidance, while for-profit private kindergartens will have market-adjusted fees. A directory management system for fees will be established, requiring public disclosure of charges [2] - The new regulations will ensure that any fees not listed in the directory or not publicly disclosed cannot be charged [2] Group 2: Electric Vehicles - A mandatory standard for electric vehicle energy consumption will be implemented, requiring necessary technical upgrades for new products. For vehicles weighing around 2 tons, the new standard mandates that energy consumption should not exceed 15.1 kWh per 100 km, which is expected to improve the average range of electric vehicles by approximately 7% [2] Group 3: Language and Communication - The revised National Common Language and Writing Law will take effect, promoting education and innovation in national language technology, and establishing new requirements for language use in cyberspace [2] Group 4: Taxation - The new Value-Added Tax (VAT) Law will come into effect, marking significant progress in the legal framework for taxation in China, with 14 out of 18 tax types now having established laws [3] Group 5: Personal Credit - A one-time credit repair policy will be introduced, allowing for automatic adjustments to credit reports based on repayment conditions, with certain overdue records being excluded from personal credit reports if specific criteria are met [3] Group 6: Environmental Protection - The National Park Law will encourage public participation in conservation efforts and prioritize hiring local residents for ecological management positions within national parks [3]

Group 1: Education and Childcare - New regulations require public and non-profit kindergartens to implement government-guided pricing for tuition and accommodation fees, while for-profit kindergartens will have market-regulated pricing. A detailed fee list must be published, and any charges not listed or publicized are prohibited [3]. Group 2: Electric Vehicles - A mandatory standard for electric vehicle energy consumption will take effect, requiring new models to limit energy consumption to no more than 15.1 kWh per 100 km. This upgrade is expected to improve the average driving range by approximately 7% without changing battery capacity [3]. Group 3: Taxation - The new Value-Added Tax (VAT) Law will come into effect, marking significant progress in establishing legal frameworks for taxation in China, as 14 out of 18 tax types now have legal statutes [4]. Group 4: Personal Credit - A one-time credit repair policy will be implemented, allowing for automatic adjustments to credit reports for overdue payments made between January 1, 2020, and December 31, 2025, provided certain conditions are met [4]. Group 5: Environmental Protection - The National Park Law will prioritize hiring local residents for ecological management positions and encourage public participation in conservation efforts [5]. Group 6: Cybersecurity - The revised Cybersecurity Law will enhance support for artificial intelligence research and development, focusing on risk monitoring and safety regulation to promote healthy AI development [5]. Group 7: Legal Framework for Digital Assets - The updated civil case regulations will now include disputes related to data and virtual property, reflecting the growing importance of digital assets in legal contexts [5].

北京商报讯（记者 岳品瑜 董晗萱）12月26日，据人民银行北京市分行行政处罚信息，北京金堤征信服 务有限公司因征信机构提供有关产品和服务未按要求履行报告义务，被罚款1万元。该公司征信业务部 杜某对上述违法行为负有直接责任，被罚款300元。 ...

12月26日金融一线消息，中国人民银行北京市分行行政处罚决定信息公示表显示，北京金堤征信服务有 限公司因征信机构提供有关产品和服务未按要求履行报告义务，被处以罚款1万元。同时，杜某（时任 北京金堤征信服务有限公司征信业务部）因对上述违法违规行为负有直接责任，被处以罚款300元。 12月26日金融一线消息，中国人民银行北京市分行行政处罚决定信息公示表显示，北京金堤征信服务有 限公司因征信机构提供有关产品和服务未按要求履行报告义务，被处以罚款1万元。同时，杜某（时任 北京金堤征信服务有限公司征信业务部）因对上述违法违规行为负有直接责任，被处以罚款300元。 | | | | | 中国人民银行北京市分行行政处罚决定信息公示表(银京调决字【2025】67-68号) | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 席等 | 当事人名序 | 在路外容 决定书文吴 | 圆波行为盘型 | 竹建处罚向否 | 作出行最处罚 没有机关名称 | 作金行商处罚支架 日本 | 是太难则 | 景洋 | | | 出草金雄正值服务 白原公司 | 名良制 天空 ...

Core Insights - The article emphasizes the importance of data in defining credit value, which is fundamental to modern business operations. The ability to collect and interpret data accurately is crucial for creating a reliable "credit profile" [1] Group 1: Data Integration and Governance - The company integrates various dynamic indicators such as business registration, judicial, tax, and bank transaction data to create a comprehensive corporate profile. This process involves standardization and governance to ensure high-quality credit reports that serve as authoritative "credit certificates" [3] Group 2: AI and Risk Management - By utilizing advanced models like DeepSeek R1 and dynamic knowledge graph technology, the company enhances risk identification and credit scoring. The model's optimization allows for real-time updates and alerts, improving fraud detection and approval efficiency, particularly for small and micro enterprises lacking traditional collateral [4] Group 3: Data Security and Value Realization - The company employs blockchain and privacy computing technologies to ensure data security and traceability, enabling a full-service loop from assessment to empowerment. This approach allows for the transformation of data resources into compliant "data assets," facilitating the conversion of credit into a driving force for business development [6]

Group 1 - The People's Bank of China has announced a policy for credit record repair for individuals with overdue amounts not exceeding 10,000 yuan, effective from January 1, 2020, to December 31, 2025, provided they repay by March 31, 2026, marking a significant step in the development of the social credit system [1] - The policy aims to shift from a punitive approach to a balanced one that includes both punishment and repair, addressing the complexities of real-life situations where individuals may face temporary difficulties leading to minor defaults [1] - This initiative reflects a response to the need for a more nuanced approach to credit evaluation, emphasizing the importance of distinguishing between malicious and non-malicious defaults [2] Group 2 - The credit repair mechanism is seen as essential for enhancing the socialist market economy, promoting a system that effectively punishes malicious defaulters while supporting non-malicious ones to rebuild their credit [3] - A well-structured credit repair system is expected to stimulate market vitality, boost consumer confidence, and create a favorable environment for consumption, contributing to high-quality economic development [3] - The policy emphasizes the importance of maintaining the integrity of the credit system, ensuring that repair does not equate to deletion, and establishing a legal framework for the process [2]