12月22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》，明确自明年1月1日 起，符合相关条件的逾期信息，将不会在个人信用报告中予以展示。 政策落地后，国有大行迅速响应，纷纷发布相关热点问题解答，并通过设置查询权限、优化 线上和线下服务渠道等方式，多措并举推进政策实施。比如，农行发布的《关于一次性信用 修复政策客户关注问题解答》提及，客户线上可通过中国人民银行征信中心官网"互联网个 人信用信息服务平台"查询，线下可通过征信自助查询机等查询，同时也可登录中国农业银 行手机银行APP"个人信用报告"模块进行查询。 值得一提的是，多家银行还提醒，一次性信用修复政策完全免费，免申即享，个人无需申请 操作，更无需委托第三方处理，任何以该政策名义索要钱财、索取信息的均为诈骗行为。 一次性信用修复政策发布后，国有大行纷纷发文响应 近日，在央行发布《关于实施一次性信用修复政策有关安排的通知》后，国有大行迅速响 应，发布相关热点问题解答。 农业银行发布《关于一次性信用修复政策客户关注问题解答》，其中提及，征信系统将对符 合条件的逾期信息进行自动识别和统一处理，无需公众进行申请和确认操作。若个人需要了 解相关逾期信息是 ...

Core Viewpoint - The launch of self-service credit report query machines in three branches of Agricultural Bank in Dongguan marks the extension of personal credit report services to all 32 towns and streets in the city, enhancing convenience for residents [1][3]. Group 1: Service Expansion - The new self-service machines are strategically placed in three previously underserved towns, significantly reducing the need for residents to travel to other areas for credit report inquiries [3]. - A total of 54 query points in Dongguan are now equipped with self-service devices, allowing residents to obtain detailed credit reports in under one minute without the need for forms or queues [3]. Group 2: Technological Integration - The self-service machines support original ID card reading and facial recognition, streamlining the process for users [3]. - Residents can utilize the "Guangdong Credit Appointment" WeChat mini-program to locate nearby query points, make appointments, and receive navigation assistance [3]. Group 3: Future Plans - The People's Bank of China Dongguan Branch aims to enhance public awareness of the new credit report query channels and will continue to optimize the layout based on foot traffic at various query points [5]. - The initiative aligns with the bank's commitment to serve the real economy and improve the business environment in Dongguan [5].

Group 1 - The People's Bank of China Dongguan Branch will relocate its credit service outlet to a new address at Jinyuan Center, starting from July 21, 2025 [2] - The previous credit service outlet located at No. 111, Guantai Road, Nancheng Street will cease operations [2] - There are currently 53 self-service credit report inquiry points provided by commercial banks across Dongguan for personal or corporate credit report inquiries [2] Group 2 - Residents can access personal or corporate credit reports at the Dongguan Citizen Service Center and the People's Bank of China Dongguan Branch [3] - Special circumstances such as using temporary or demagnetized ID cards, foreign passports, or inquiring on behalf of deceased individuals can be handled at these locations [3] - Additional service information can be found on the official website of the People's Bank of China Credit Reporting Center or through the WeChat mini-program "Guangdong Credit Inquiry Appointment" [3]

Core Viewpoint - The recent notification from the National Development and Reform Commission aims to reduce credit service fees, effective from July 1, 2025, to lower operational costs for businesses, optimize the business environment, and promote the development of the real economy and social credit system [1][4]. Group 1: Fee Reduction Details - The service fee for querying corporate credit reports will decrease from 20 yuan to 9 yuan, while the fee for personal credit reports will drop from 2 yuan to 1 yuan [4]. - Various financial institutions, including rural commercial banks and consumer finance companies, will continue to enjoy preferential fee standards, with personal internet queries remaining free [4]. - The annual fee for accounts receivable pledge registration will be reduced from 30 yuan to 15 yuan, and the fees for change and dispute registrations will decrease from 10 yuan to 5 yuan [4]. Group 2: Impact on Financial Institutions - The reduction in credit service costs is expected to save users approximately 1.1 billion yuan annually [2]. - Lowering credit costs will alleviate the operational burden on banks, facilitating financing for the real economy, and will also reduce the financial burden on individuals seeking credit information [4]. - The adjustment is particularly beneficial for small financial institutions, as they often face higher credit costs due to the volume of small transactions [4]. Group 3: Broader Financial Context - In the context of increasing pressure on bank interest margins, reducing non-interest costs like credit service fees is crucial for lowering overall financing costs in society [6][7]. - The People's Bank of China has made significant progress in building a comprehensive credit information system, which is now the largest in the world in terms of population coverage and data collection [7]. - The dual approach of "government + market" in developing the credit system aims to enhance service quality and efficiency, thereby improving the matching of financial resources with real demand [7]. Group 4: Potential Issues - The reduction in query costs may lead to excessive information queries, raising concerns about consumer rights and the need for transparency in the querying process [8]. - A robust social credit system is essential for the stable development of consumer finance, and there are suggestions to grant consumer finance companies access to the same data as banks to improve their service capabilities [8].

Core Viewpoint - The article discusses the significant reduction in credit service fees as mandated by the National Development and Reform Commission, aimed at lowering business operating costs and optimizing the business environment, effective from July 1, 2025 [1][2][3]. Summary by Sections Fee Reductions - The standard service fee for commercial banks querying corporate credit reports will decrease from 20 yuan to 9 yuan, while personal credit report fees will drop from 2 yuan to 1 yuan [1][2]. - The fee for accounts receivable pledge registration will be reduced from 30 yuan to 15 yuan per year, and the fees for change registration and dispute registration will be lowered from 10 yuan to 5 yuan per instance [1][3]. - Rural commercial banks and ten other types of financial institutions will continue to enjoy preferential fee standards for querying credit reports [1][2]. Cost Savings - The fee reductions are expected to save users approximately 1.1 billion yuan annually [1]. Personal Queries - Individuals can query their credit reports online for free, and the first two queries at a physical counter are also free; subsequent queries will cost 5 yuan each [1][3]. Compliance and Reporting - The credit center is required to strictly adhere to the new fee standards and must report its financial status and fee implementation to the National Development and Reform Commission annually [3].