2025年以来，山东省昌邑市以"高效办成一件事"为导向，不断优化信用修复服务，全力打造"企业零跑 腿、材料我来跑、信用修复高效办"的"邑心为企"服务模式，建立"提醒—帮扶—修复"工作机制，实现 信用修复"网上办""即时办""帮您办""零跑腿"。 一窗通办，便民利企。在市政务服务大厅设立"企业信用修复"专窗，为企业和群众提供业务咨询、办事 指导、材料初审等一站式服务。加强部门间协同联动，以企业视角优化接办流程，梳理"图例版"服务指 南、"极简版"材料清单，贴心服务企业办事，实现了信用修复从"多处寻踪"到"一窗办结"的根本转变。 专员制度，精准服务。为提升信用修复服务的精细化水平，积极开展信用修复"一对一""保姆式"服务。 因企施策精准匹配，采取"线上指导""特事快办""全程跟踪"等措施，指导帮助经营主体最短时间完成修 复，让企业感受"一经申请，坐等修复"的便捷体验。 "两书同达"，主动告知。建立企业信用修复主动告知机制，落实"两书同达"，各执法部门在送达行政处 罚决定书的同时，向被处罚企业同步送达《行政处罚信息信用修复告知书》，提高信用修复知晓率。目 前，已发放行政处罚信息信用修复告知书500余份，告知率达到了 ...

在安次区市场监督管理局信用监管办公室，工作人员正通过"河北省经济户籍管理系统"，仔细审核企业 在线提交的信用修复申请材料。 近年来，该局大力推行信用修复"全程网办"，让数据多"跑路"，企业少"跑腿"，显著提升了服务效率。 对于部分需要线下协助或特殊情况的经营主体，该局还开设了"绿色通道"，为企业提供"一对一"精准指 导，实现"现场办、立刻办"，确保符合条件的经营主体能尽快完成信用修复，解除发展限制。 在做好畅通修复"后路"的同时，安次区市场监督管理局更将服务端口前移，主动"送政策上门"。 在明珠大厦永华店，工作人员正在为商户们进行信用知识宣讲，详细讲解年报公示、经营异常名录管理 等规定，以及失信可能带来的影响和修复途径，帮助商户提前规避风险，树立诚信经营意识。 下一步，安次区市场监督管理局将继续深化信用体系建设，以有"温度"的审慎监管、有"力度"的优化服 务和有"速度"的便捷办理，持续提升区域经营主体的诚信水平，营造更优营商环境。 （来源：廊坊日报） 转自：廊坊日报 本报讯（记者 张欢）为进一步激发经营主体发展信心和内生动力，安次区市场监督管理局创新服务模 式，通过优化信用修复流程与加强前端引导"双轮驱动"， ...

12月24日，央行宣布启动一次性信用修复政策，助力个人重塑信用后，连日来多家国有大行积极响应。 昨日晚间，中国银行、建设银行、交通银行相继发布公告，进一步就"重启信用"的适用条件等作进一步 回应和说明。更早前，工商银行和农业银行也已公开回应。 在业内人士看来，本次信用修复有利于为个人消费者尤其是年轻人提供更多信贷方面的支持，对"扩内 需"的国家战略也有重大意义。不过，银行依然会根据本行风控系统自主决定是否对信用修复人群新发 贷款。 建行也在昨日晚间发布"无需申请，一次性信用修复政策来了"的补充说明文章，强调该政策"免申即 享"，并指出如果建行的客户符合条件的逾期信息在政策实施后依然存在，可以联系其在建行的信贷业 务办理机构或者建行任一网点进行咨询。 交行也于同日晚间发布了交通银行对人行一次性信用修复政策相关问题的解答。交行表示，人行征信系 统将对符合条件的逾期信息进行自动识别和统一处理，客户可以通过交行手机APP的征信查询或功能等 进行线上查询。如客户有异议，可以通过建行客户热线、信用卡客户热线等多种方式联系。 除了上述三家大行外，工商银行已经于12月22日对于响应央行的"信用修复"新政作出了回应，相关高管 ...

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]

信用修复改革迎来里程碑式进展！ 为建立健全统一规范、协同共享、科学高效的信用修复制度，11月26日，国家发展改革委发 布《信用修复管理办法》（以下简称"《办法》"），自明年4月1日起施行。其中，《办法》 明确失信信息的分类标准，原则上划分为"轻微、一般、严重"三类，而轻微失信信息原则上 不予公示，行业主管部门认为确有必要公示的，公示期最长不超过3个月，且法定责任履行 完毕即可申请修复。 那么，申请信用修复需满足哪些条件？《办法》规定，包括达到最短公示期限；纠正失信行 为，完全履行失信行为涉及的行政处罚、异常名录或严重失信主体名单等规定的义务；公开 作出信用承诺，包括所提交材料真实有效，并明确愿意承担违反承诺的相应责任等。 信用修复新规出炉，轻微失信信息原则上不予公示 何为"信用修复"？《办法》显示，信用修复是指信用主体为积极改善自身信用状况，在纠正 失信行为、履行相关义务后，有关方面按照规定终止公示、停止共享和使用失信信息，同步 依法依规解除失信惩戒措施的活动。 从失信信息的分类标准看，《办法》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。同时，按照过罚相当原则，分别设置不同的公示期限 ...

Core Viewpoint - The article discusses the implementation of a new credit repair initiative by the Qiqihar Market Supervision Administration in Heilongjiang Province, aimed at optimizing the business environment and enhancing the credit system through innovative measures [1][2][3]. Group 1: Credit Repair Measures - The initiative introduces seven credit repair measures, including a "commitment deficiency, immediate application" model to facilitate easier credit repair for businesses [1]. - The "commitment deficiency" mechanism allows businesses to proceed with applications even if certain documents are missing, utilizing the Heilongjiang Provincial Market Supervision Comprehensive Business Management System for verification [1][2]. Group 2: Service Optimization - The "immediate application" service enables businesses to submit applications online or receive personalized assistance at government service windows, allowing for quick removal from the business anomaly list if no significant issues are found [2]. - The "post-verification" mechanism shifts the traditional process from "verification first, repair later" to "repair first, verification later," ensuring that businesses can begin the repair process without delay [2][3]. Group 3: Intelligent and Convenient Services - The "no-sense repair" function automatically triggers the repair process for businesses with expired administrative penalty records, allowing for seamless removal of negative records from the system [2]. - The "exemption application" policy provides convenience for businesses newly listed in the anomaly directory due to failure to submit annual reports, allowing them to restore credit without additional applications [2]. Group 4: Enhanced Communication and Supervision - The "two documents delivered simultaneously" system ensures that businesses receive both the administrative penalty decision and the credit repair notification at the same time, helping them understand the repair process [3]. - The initiative includes a robust follow-up supervision mechanism to address any discrepancies found during subsequent checks, potentially revoking repair decisions if commitments are not met [3].

Group 1 - A bank in Dalian has successfully completed credit repair, eliminating the negative impact of previous dishonesty on its operations [1] - The bank was previously penalized by market regulatory authorities for pricing issues, which affected its credit rating and business expansion [1] - The market regulatory department provided guidance and support for credit repair, allowing the bank to prepare necessary materials in advance [1] Group 2 - The provincial market regulatory department has launched online credit repair services, enabling over 28,000 businesses to complete credit repair through online applications since the beginning of the year [2] - Improvements to the national enterprise credit information public system and the provincial "Internet + regulation" system have made the credit repair process more convenient for businesses [2] - Cross-regional credit repair capabilities have been developed, allowing businesses to apply for credit repair online without needing to visit physical locations [2] Group 3 - A collaborative mechanism has been established among relevant departments to share information on administrative penalties and credit repair results, reducing the burden on businesses [3] - The synchronization of credit repair results to the national enterprise credit information public system and the "Credit China" website has been implemented [3] - This initiative aims to prevent businesses from having to apply for credit repair multiple times across different departments [3]

Core Viewpoint - The rise of illegal financial intermediaries posing as legitimate service providers has become a significant threat to financial consumers, necessitating urgent action to protect consumer rights and maintain financial order [1][2][5]. Group 1: Common Scams - The article identifies four prevalent scams perpetrated by illegal financial intermediaries, including loan intermediary scams, insurance claim fraud, credit repair lies, and malicious debt evasion tactics [2][3][4]. - Loan intermediary scams often involve promises of low-interest, unsecured loans, leading consumers to pay fees without receiving the promised funds [2]. - Insurance claim fraud involves misleading advertisements that encourage consumers to use non-official channels for claims, often resulting in identity theft [3]. - Credit repair scams claim to erase negative credit history for a fee, but typically fail to deliver on these promises [2][3]. Group 2: Money Traps - The article outlines three main tactics used by illegal financial intermediaries to exploit consumers: verbal traps, contract confusion, and information trafficking [4]. - Verbal traps leverage consumers' lack of knowledge about legitimate financial processes, using misleading language to gain trust [4]. - Contract confusion arises from hidden clauses and complex agreements that disadvantage consumers [4]. - Information trafficking involves selling personal data for illegal activities, further endangering consumers [4]. Group 3: Consumer Protection Measures - Financial consumers are advised to seek services from legitimate channels and verify the identity and qualifications of financial intermediaries through official resources [5][6]. - Consumers should be cautious of unsolicited financial offers and protect their personal information from unauthorized platforms [6]. - Regulatory bodies emphasize that legitimate financial institutions do not charge fees before loan disbursement, and any requests for upfront payments should be treated as potential scams [7].

Core Viewpoint - The Shanxi Provincial Market Supervision Administration has issued a notice aimed at optimizing credit repair services to support the development of business entities, introducing ten groundbreaking reform measures to enhance credit levels and stimulate economic growth [1]. Group 1: New Mechanisms for Credit Repair - The notice proposes three measures to reshape enterprise credit, including centralized classification and disposal of credit issues, support for enterprise restructuring, and encouragement for enterprises to enhance creditworthiness by legally halting public disclosure of negative information [1]. - Enterprises listed as severely untrustworthy for over three years will undergo centralized cleanup, with those on the list for five years being removed and their information no longer publicly disclosed [1]. - During the execution of restructuring plans, enterprises can apply for credit repair to temporarily shield negative information and lift penalties, aiding in their recovery [1]. Group 2: Enhanced Service Efficiency - Four measures are introduced to improve service efficiency, such as adding online channels for easier application, reducing required documentation, shortening processing times, and providing precise compliance reminders [2]. - Business entities can submit credit repair applications through various online platforms, maximizing convenience [2]. - The time to remove entities from the abnormal business list is reduced to four working days, while stopping the public disclosure of administrative penalties is cut to seven working days [2]. Group 3: Building a New Repair Ecosystem - Three measures are outlined to create a new ecosystem for credit repair, including a one-click application system for cross-province repairs, mutual recognition of results, and exploration of pilot projects to release reform dividends [3]. - A unified national platform will allow business entities to access their own negative information and apply for credit repair seamlessly across provinces [3]. - Innovative models such as concurrent repair for annual report defaults and "credit commitment + lenient acceptance" mechanisms are being tested in pilot areas to establish replicable "Shanxi experience" [3].

Core Viewpoint - The article emphasizes the need for a unified and categorized credit repair system in China, addressing existing issues such as fragmented regulations and insufficient technological support to enhance the efficiency and effectiveness of credit repair processes [1][12]. Group 1: Current Status and Achievements of Credit Repair - The credit repair system in China has evolved under a framework of "central coordination, local exploration, and government leadership," with significant policy developments since 2014 [2][3]. - As of May 2023, over 40 local regulations related to social credit have been established, indicating a robust local policy environment [3]. - The establishment of a national credit information sharing platform has led to the collection of over 807 billion pieces of credit information, significantly enhancing the credit repair mechanism [6]. Group 2: Technological Infrastructure and Innovations - The integration of digital technologies has transformed credit repair from a passive to an active service model, with the establishment of a unified enterprise credit information platform since 2015 [4]. - The "Credit China" platform utilizes advanced technologies such as big data and AI to create a comprehensive credit repair network, improving automation and compliance in the credit repair process [4]. - Local innovations, such as AI-driven systems for credit application reviews, have further optimized credit repair services [4]. Group 3: Involvement of Third-Party Service Providers - The participation of third-party service institutions in credit repair is increasing, with 13 institutions authorized to provide training and 62 institutions qualified to issue credit repair reports [5]. - These institutions play a crucial role in enhancing the professionalism and standardization of credit repair services [5]. Group 4: Challenges in Credit Repair - The current credit repair system faces challenges such as fragmented regulations and insufficient inter-departmental collaboration, leading to increased costs and inefficiencies for enterprises [7][8]. - There is a notable disparity in technological capabilities across regions, resulting in data governance issues and "data silos" that hinder effective credit repair [8]. - The limited involvement of third-party institutions and the lack of a cohesive training mechanism further complicate the credit repair landscape [9][10]. Group 5: Policy Recommendations for Improvement - Recommendations include establishing a comprehensive credit repair legal framework, enhancing inter-departmental collaboration, and leveraging technology to improve efficiency [12][13][14]. - Encouraging deeper involvement of third-party institutions in the credit repair ecosystem is essential for transitioning to a dual-driven model of government oversight and market services [15][16].