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Notice by the People's Bank of China of the Relevant Arrangements for Implementing the One-off Credit Repair Policy
[Effective]
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中国人民银行关于实施一次性信用修复政策有关安排的通知
[现行有效]
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【法宝引证码】
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| Notice by the People's Bank of China of the Relevant Arrangements for Implementing the One-off Credit Repair Policy | | 中国人民银行关于实施一次性信用修复政策有关安排的通知 |
| The Shanghai Head Office of the People's Bank of China (“PBC”) and branches of the PBC of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning, and the Credit Reference Center of the PBC; and the China Development Bank, all policy banks and state-owned commercial banks, the Postal Savings Bank of China, and all joint-stock commercial banks: | | 中国人民银行上海总部，各省、自治区、直辖市及计划单列市分行，征信中心；国家开发银行，各政策性银行、国有商业银行，中国邮政储蓄银行，各股份制商业银行： |
| For the purposes of proactively responding to the lingering impact of the COVID-19 Outbreak, supporting individuals with impaired credit records who proactively repay debts to efficiently and conveniently restore their credit, and providing assistance for the continuous recovery and improvement of the economy, the PBC has decided to implement the one-off credit repair policy. You are hereby notified of the relevant arrangements as follows: | | 为积极应对新冠疫情后续影响，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，中国人民银行决定实施一次性信用修复政策。现就有关安排通知如下： |
| I. Policy Content | | 一、政策内容 |
| For personal overdue information with a single amount not exceeding 10,000 yuan during the period from January 1, 2020 to December 31, 2025, if an individual has fully repaid the overdue debts on or before March 31, 2026, the Basic Financial Credit Information Database will not display such overdue information, among which: | | 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，金融信用信息基础数据库将不予展示。其中： |
| (1) If an individual has fully repaid the overdue debts on and before November 30, 2025, the Basic Financial Credit Information Database will not display the relevant overdue information from January 1, 2026. | | （一）个人于2025年11月30日（含）前足额偿还逾期债务的，金融信用信息基础数据库自2026年1月1日起不予展示相关逾期信息； |
| (2) If an individual has fully repaid the overdue debts during the period from December 1, 2025 to March 31, 2026, the Basic Financial Credit Information Database will not display the relevant overdue information before the end of the following month. | | （二）个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，金融信用信息基础数据库于次月月底前不予展示相关逾期信息。 |
| II. Implementation Method | | 二、实施方式 |
| ．．．．．． | | ．．．．．． |
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