（文/陈济深 编辑/张广凯） 2026年初，社交平台上出现了一批特殊的"晒单"：有人贴出自己的征信报告截图，逾期账户数从2变成 了0。 这源于央行在2025年底推出的一次性信用修复政策——2020年至2025年期间产生的、单笔不超过1万元 的个人逾期信息，只要在2026年3月31日前还清，征信系统将自动不予展示。免申即享，不收费用，不 需要第三方代理。 这不是一次简单的技术调整。它背后是一个正在发生转向的行业命题：征信到底是用来惩罚人的，还是 可以用来帮助人的？ 过去几十年，无论中美，征信体系的主要功能都是"标记失信者"——记录谁违约了、谁没还钱，然后让 他们在贷款、租房、求职中承受代价。 区别在于，美国围绕这条"斩杀线"建起了一整套合法的商业生态，把失信者的每一寸剩余价值都榨干； 中国的央行征信系统则更偏行政管理，民间市场几乎空白，使得行业内充斥着黑灰产暴利收割。 央行这次破例出手，其实释放了一个清晰的信号：不希望征信成为普通人的"斩杀线"。 而更值得关注的是，在这项应急政策之外，行业层面也开始出现一种新的思考——征信服务能不能 从"惩罚失信"转向"帮助重建"，从卖分数转向帮人连接工作、住房和信贷机会？ 这 ...

淮安公交数据集、龙宫+西游双IP文创消费联动等20余项数据产品完成挂牌。 有轨电车单日最高客流突破7.1万人次，全国行业领先。 万成公司承建的大连长海大桥钢便桥项目是我国唯一海岛边境县陆岛大桥。 2025年7月25日，淮安港—上海洋山港河海直达集装箱航线正式首航。 突出思想引领。将党的政治建设摆在首位，持续加强理论武装。2025年开展"第一议题"、中心组学习39 次、研讨11次，深入学习习近平新时代中国特色社会主义思想。分层分类开展党的二十大和二十届历次 全会精神培训，举办专题读书班、讲授专题党课，推动理论学习入脑入心。在市属国企中率先成立党外 知识分子联谊会，提升统战工作质效。 公交集团全面拓展"幸福公交+"5大类10项经营项目，去年营收8800多万元。 五年，是奋斗的时间刻度，是不平凡的蝶变历程。 "十四五"期间，淮安市交通产业投资发展集团有限公司（市交投集团）围绕全市大局，落实国资管理和 国企改革要求，深耕主责主业，实干发展。资产规模从"十三五"末约510亿元增至超600亿元，增长率达 18%，且营收年均增长率超10%。 集团阔步向前，子公司亦是喜报频传：淮安港集装箱吞吐量连续17年位居全省内河港口首位 ...

Core Viewpoint - The city of Changyi in Shandong Province has made significant strides in building a social credit system, enhancing the business environment, and innovating social governance models, transitioning from foundational infrastructure to deeper application and value realization, thereby providing robust credit support for high-quality economic and social development [1] Group 1: Credit Information Sharing and Application - Changyi has established a comprehensive database of personal and enterprise credit information, integrating over 1 million pieces of data across key areas such as administrative permits, penalties, market regulation, judicial rulings, and public services, effectively breaking down "information silos" [2] - The "Credit China (Weifang)" platform offers a one-stop authoritative credit information query service, supporting the development of a new regulatory mechanism based on credit and promoting a culture of integrity [2] Group 2: Regulatory Optimization and Support for Enterprises - A synchronized delivery mechanism for administrative penalty decisions and credit repair notifications has been implemented, addressing the challenges faced by enterprises in credit repair processes, achieving 100% coverage of notifications, and assisting over 500 enterprises in efficient credit restoration [3] - This initiative balances regulatory enforcement with supportive services, fostering stability and confidence among businesses [3] Group 3: Credit Empowerment and Efficiency Enhancement - The introduction of "credit reports" to replace traditional certificates has streamlined the process for enterprises, covering 52 fields and allowing for a "menu-style" selection based on specific needs, significantly reducing bureaucratic hurdles [4] - This reform enables enterprises to focus on innovation and development by minimizing administrative burdens [4] Group 4: Expanding Credit Value Applications - The "Credit+" initiative promotes the practical application of credit, such as the "Xinyi Loan" platform, which has facilitated loans totaling 4.716 billion yuan for enterprises with good credit status [5] - The implementation of a credit commitment system in administrative approvals allows eligible entities to substitute certain documentation with credit commitments, greatly enhancing efficiency [5] - The integration of credit into urban operations transforms it into a valuable asset, yielding tangible benefits for individuals and enterprises, and continuously injecting new momentum into the city's high-quality development [5]

新年伊始，央行"一次性征信修复政策"起效。近期，新京报记者在社交媒体上看到，部分网友晒出征信 报告，在规定时间内还清的1万元以下逾期记录已不在征信报告中显示。 去年12月22日，央行正式发布《关于实施一次性信用修复政策的通知》，为数百万因小额逾期而背负信 用伤痕的普通人，带来了一次珍贵的"信用刷新"机会。 新京报记者 姜樊 政策主要内容 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，个人于 2026年3月31日（含）前足额偿还逾期债务的，征信系统将不予展示。 适用对象：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：逾期信息产生于2020年1月1日至2025年12月31日期间。 适用金额：单笔逾期金额不超过10000元。 适用前提：2026年3月31日（含）前足额偿还逾期债务。 | | 信用卡 | 贷款 | | 其他业务 | | --- | --- | --- | --- | --- | | | | 购房 | 其他 | | | 账户数 | | | | | | 未结清/未销户账户数 | | | | | | 发生过逾期的账户数 | - | i | - ...

Core Viewpoint - Qiantang Credit has been designated as a public data authorization operator in the credit service sector in Zhejiang Province, marking a significant step in exploring the "personal credit economy" and unlocking the value of data elements [1] Group 1: Company Overview - Qiantang Credit aims to create a digital credit profile for individuals based on user authorization, utilizing credit evaluation and reporting tools to enhance personal credit value recognition and self-management capabilities [1] - The company is positioned as a licensed personal credit institution in China, potentially serving as a replicable model for personal credit data circulation [1] Group 2: Market Context - The personal credit economy is defined as an emerging economic form centered around personal credit data, providing new credit services to individuals, financial institutions, and businesses [1] - Qiantang Credit plans to implement its services in various scenarios such as credit services, flexible employment, and grassroots governance, aiming to reduce information asymmetry and transaction costs [2] Group 3: Comparative Analysis - The model of Qiantang Credit bears similarities to South Korea's MyData service, which allows individuals to control their data and apply it across various management scenarios [2] - South Korea's MyData service has seen significant adoption, with over 50 million users and revenue reaching 2.5 trillion KRW (approximately 13 billion RMB) in 2023 [2] Group 4: Data Integration - Qiantang Credit has integrated nearly a hundred compliant commercial data sources, showcasing a new development in the fusion of public and commercial data in the data element sector [3] - The demand for personal credit management services based on public data is substantial, given the higher level of digital governance and public data infrastructure in China compared to South Korea [3]

Core Insights - Qiantang Credit has been designated as the public data authorized operator in the credit service sector in Zhejiang Province, aiming to create the first trustworthy data space for individuals in China [1][2] - The initiative represents an exploration of the "personal credit economy," which focuses on the circulation of personal credit data and aims to provide new economic services based on credit for individuals, financial institutions, and businesses [1] - The construction of the trustworthy data space will enable the creation of digital credit profiles for users, enhancing their ability to connect with financial, commercial, and social services [1] Group 1 - Qiantang Credit will implement its services in various fields such as credit services, flexible employment, and grassroots governance, aiming to reduce information asymmetry and transaction costs [2] - The integration of public and commercial data sources is expected to improve risk management capabilities for institutions and provide better opportunities and services for consumers [2] - Qiantang Credit has already connected with nearly 100 compliant commercial data sources, showcasing a new development in the fusion of public and commercial data [2]

Core Insights - The article highlights the significant reforms in Baotou's administrative services, particularly the "extremely simplified approval" process, which has streamlined procedures and reduced the time required for business operations by 80% and material requirements by 25% [1] - The establishment of a comprehensive credit system has improved operational efficiency for businesses, allowing for a 70% increase in efficiency and enabling companies to access government projects with zero deposit requirements [1][2] - The implementation of a risk grading system for businesses has enhanced consumer trust and market dynamics, with a notable increase in sales for businesses displaying high credit ratings [2] Group 1 - The "extremely simplified approval" process in Baotou has led to a reduction of 80% in processing time and a 25% decrease in required documentation for business operations [1] - A single credit report now replaces multiple documents previously needed for bidding processes, significantly improving efficiency and reducing the burden on businesses [1] - The credit application reform has released 250 million yuan in liquidity for businesses, demonstrating the positive impact of credit systems on market activity [1] Group 2 - The risk grading system covers 17,452 business units, allowing consumers to make informed purchasing decisions based on safety ratings [2] - The integration of credit systems into various sectors, including food sales and market measurements, has created a comprehensive regulatory network that promotes trust and accountability [2] - The shift from traditional government oversight to a proactive service model has reduced transaction costs and improved regulatory efficiency [3] Group 3 - The transformation in governance through the establishment of a cross-departmental credit data pool has broken down information barriers across 40 sectors [3] - The societal effects of these reforms are evident as consumers and businesses increasingly rely on credit ratings for decision-making, fostering a culture of integrity [3] - Baotou's approach serves as a model for modern governance, emphasizing the importance of integrating credit systems into public services and market regulation to create a sustainable economic environment [3]

Core Viewpoint - The Fujian Jinfu Cloud Credit Company is enhancing financial services for enterprises through a digital platform that connects government policies, financial institutions, and businesses, facilitating easier access to financing and support for small and micro enterprises [1][2][3]. Group 1: Platform Overview - The Fujian Jinfu Cloud Credit Company, established in 2022, operates as a provincial financial infrastructure, serving as a bridge between government, finance, and enterprises [1]. - The platform has onboarded 286 financial institutions and offers over 1,200 financial products, with more than 173 million registered users [1]. - The platform has disbursed over 3.8 billion yuan in policy interest subsidies to more than 68,000 enterprises through various loan products [1]. Group 2: Service Expansion - The platform is expanding its services from simple financing to a "four-chain" integration, which includes innovation, industry, funding, and talent chains, to better meet enterprise needs [2]. - It has developed a smart matching system that connects enterprises with suitable financial products based on their needs and credit status [2]. Group 3: Financing Mechanism - A dedicated "Small and Micro Enterprise Financing Coordination Work Mechanism" has been established to streamline the process from demand publication to loan disbursement [3]. - The platform has facilitated over 850 billion yuan in non-repayable loans for more than 90,000 business entities, with over 20% of financing needs met through credit loans [3]. Group 4: Data Utilization - The platform integrates public and commercial data to create comprehensive credit profiles for over 7.6 million enterprises in Fujian, enhancing the decision-making process for financial institutions [3]. - It has launched 20 credit products and services, improving the efficiency of the loan approval process through data-driven insights [3]. Group 5: User Experience - Users have reported significant improvements in the loan application process, with one company successfully securing 9.35 million yuan in specialized loans through the platform, alleviating financial pressure and enabling growth [4]. - Financial institutions have praised the platform for its user-friendly interface and the ability to quickly access relevant data for lending decisions [5]. Group 6: Future Outlook - The company plans to continue enhancing and promoting the Jinfu Cloud platform to improve financial services for the real economy and contribute to high-quality economic development in Fujian [5].

Core Viewpoint - The construction of a social credit system is crucial for enhancing the socialist market economy, improving social governance efficiency, and increasing national competitiveness [1][2] Group 1: Progress in Social Credit System - Recent initiatives from various regions, including Shanghai, Tianjin, and Hunan, outline the 2025 work points for social credit system construction, emphasizing the importance of innovation in credit regulation [1] - China has established a leading global public credit system in terms of data scale and service coverage, with the People's Bank of China's financial credit information database serving as a comprehensive reflection of credit status [1] Group 2: Importance of Credit in Digital Economy - The "economic ID card" represented by credit records is increasingly significant in the digital economy, influencing loan rates, consumer services, and employment opportunities [1] Group 3: Challenges in Credit System Construction - The social credit system faces challenges such as incomplete coverage, regional imbalances, the need for improved credit repair mechanisms, and data silos [1] - There is an urgent need to enhance credit data security and protect the legal rights and information security of credit subjects [1] Group 4: Future Directions for Credit System Development - The recent guidelines from the Central and State Offices emphasize the need for a unified, shared social credit system across various sectors, with a focus on government guidance and top-level design [2] - Key areas for development include fostering the credit service market, implementing reasonable credit rewards and penalties, and promoting innovative credit practices to optimize the business environment [2] - The construction of the social credit system is a complex, long-term task that requires collaboration and active participation from various stakeholders [2]

4月2日，国务院新闻办公室举行新闻发布会，介绍健全社会信用体系有关情况。国家发展改革委副主任李春临透露，目前，已经建立了全国一体 化融资信用服务平台网络，在国家层面实现了包括企业登记注册、纳税、社保、住房公积金等74项关键涉企信用信息的机制化归集共享，支持接 入平台网络的金融机构经授权查询使用有关信息。 缓解民营中小微企业融资难题 李春临在会上表示，经济社会发展的新形势对社会信用体系提出了新的要求，相关制度规则需要进一步完善。为此，按照党中央、国务院决策部 署，国家发展改革委会同有关方面研究起草了《关于健全社会信用体系的意见》（以下简称《意见》），并报请中共中央办公厅、国务院办公厅 印发，于3月31日全文发布。 融资难、融资贵一直都是制约民营中小微企业健康持续发展的难点和堵点问题。对此，有关负责人在会上进行了介绍。 据悉，目前，国家已经建立全国一体化融资信用服务平台网络。截至2025年2月末，银行机构通过全国一体化融资信用服务平台网络累计发放贷款 达到了37.3万亿元，其中信用贷款达到了9.4万亿元，有力服务民营中小微企业融资需求。 李春临表示，国家发改委将持续扩大归集共享范围，进一步提升信息归集共享质量，依 ...