中國央行出手：萬元以下小額呆帳紀錄將「隱藏」 助個人信用修復
中國人民銀行推出新政，針對2020年以來不超過1萬元的單筆逾期債務，若按時還清，其不良紀錄將被隱藏。此舉旨在修復個人信用，提振消費與經濟。
為應對新冠疫情的長期經濟影響，中國人民銀行（央行）12月22日公佈一項信用修復新政，旨在幫助在疫情期間陷入小額貸款違約的個人重建其財務信譽，從而修復家庭資產負債表，為經濟注入活力。
根據央行公告，此項政策的具體適用條件如下：
央行在週一的聲明中強調：「此舉是為幫助受疫情影響、且有積極還款意願的借款人，使其能迅速重建信用。」 據悉，該政策將由央行徵信中心自動執行，無需個人申請，並計畫從2026年起分階段實施。
央行副行長鄒瀾在記者會上指出，許多受疫情影響的借款人雖已還清欠款，但其信用報告中的違約紀錄，仍持續阻礙他們獲得新的貸款。他表示，新措施有助於活絡基層經濟活動，並協助金融機構更精準地評估信用風險，從而支持整體經濟增長。
This content is AI-generated based on source articles. While we strive for accuracy, errors may occur. We recommend verifying with the original source.
Related Articles
IHG is building a huge 800+ room hotel in Osaka, opening in 2029 to target the new casino. We analyze the investment thesis and its impact on Japan's real estate and tourism sectors.
The Japanese yen rallied to the 156-per-dollar level after Finance Minister Satsuki Katayama said Japan has a "free hand" to counter its depreciation, signaling a heightened risk of currency market intervention.
The U.S. government has frozen five major offshore wind projects, causing shares of Ørsted, Equinor, and BP to dive. An analysis of the market impact and what this means for investors.
A Chinese-owned tanker, the Kunpeng, has loaded the first LNG cargo from Russia's sanctioned Arctic LNG 2 plant, testing the effectiveness of U.S. sanctions and potentially impacting global energy markets.