近日，中国人民银行发布新版《征信业务管理办法》，其中一项重要变化引发广泛关注：符合条件的轻微逾期记录将不再在个人征信报告中显示。根据新规，若个人因非主观恶意原因（如银行系统延迟、还款渠道故障等）导致逾期，且逾期时间不超过30天，并在之后及时还清欠款，相关记录可不纳入征信系统。此外，对于已结清且逾期时间较短的旧记录，也将逐步从报告中移除。这一调整旨在优化信用评价机制，避免‘一刀切’对个人信用造成过度影响，尤其保护那些因偶发、非恶意因素导致短期逾期的消费者。专家指出，新规有助于提升征信系统的公平性与人性化，同时鼓励金融机构加强风险识别能力，而非仅依赖历史逾期记录做判断。不过，需要注意的是，严重或长期逾期行为仍会被如实记录，并可能影响贷款、信用卡审批等金融活动。因此，公众仍需保持良好的信用习惯，按时履约，珍惜自身信用记录。
Recently, the People’s Bank of China issued the new ‘Credit Reporting Business Management Measures,’ which includes a significant update drawing widespread attention: certain minor delinquency records will no longer appear on individuals’ credit reports. According to the new rules, if a late payment results from non-malicious causes—such as bank system delays or payment channel failures—and the overdue period is no more than 30 days, with the debt fully repaid promptly afterward, the record may be excluded from the credit reporting system. Additionally, previously settled short-term delinquencies will gradually be removed from credit reports.This adjustment aims to refine the credit evaluation mechanism, avoiding overly rigid penalties that disproportionately affect individuals’ creditworthiness, particularly those impacted by occasional, unintentional lapses. Experts note that the update enhances fairness and humanization in credit reporting and encourages financial institutions to improve risk assessment beyond relying solely on historical delinquency data.However, it’s important to note that serious or prolonged delinquencies will still be accurately recorded and could affect loan approvals, credit card applications, and other financial activities. Therefore, individuals should continue maintaining good credit habits, making timely payments, and safeguarding their credit reputation.
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