ICBC Vice President Zhao Guide: One-Time Credit Repair Policy Helps Rebuild Customer Relationships

Deep News12-22 11:11

On December 22, the People's Bank of China (PBOC) announced that for personal overdue amounts not exceeding RMB 10,000 incurred between January 1, 2020, and December 31, 2025, if fully repaid by March 31, 2026, such records will not be displayed in the financial credit information database.

Zhao Guide, Vice President of Industrial and Commercial Bank of China (ICBC), stated that the one-time credit repair policy is a key initiative by the PBOC to help individuals efficiently restore their credit. ICBC actively participated in formulating this policy.

Personal credit reports from the征信系统 serve as critical references for banks in credit approval, risk pricing, and post-loan management. Zhao noted that this policy enables commercial banks to more accurately assess borrowers' true financial conditions. By implementing more effective credit strategies, it enhances the precision and efficiency of financial services.

Furthermore, the policy facilitates rebuilding customer relationships. Zhao emphasized that after implementation, individuals will likely value and actively maintain their creditworthiness, while banks can better meet legitimate financing needs. This fosters stronger relationships between commercial banks and customers, improves financial services, and promotes a healthier credit ecosystem.

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