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Intelligence for Better Decision Making
Erudite Risk takes an all risks approach to intelligence reporting. We categorize key intelligence into one of 40 different risk intelligence categories.
The goal is to provide intelligence that allows decision makers to avoid being blindsided by what they may have missed, while informing them to make better decisions as well.
Erudite Risk also includes operations categories so you can monitor the environment for better decision making. Everything is tied together--what happens in risk affects operations and what happens in the market impacts risk profiles.
We categorize key intelligence into one of 30 different operations intelligence categories.
Different roles and functions within the organization can monitor different key issue areas. HR may monitor employment, wages, regulations, labor and management relations, etc., while P&L leaders may monitor overall developing trends.
一次性信用修复政策落地 多位借款人逾期记录“清零”
One-Time Credit Repair Policy Implemented, Multiple Borrowers' Overdue Records Cleared
China Daily | Local Language | News | Jan. 9, 2026 | UndeterminedFinancial System Problems
The People’s Bank of China issued a notice on December 22, 2025, implementing a one-time credit repair policy aimed at clearing certain overdue records from individual credit reports. This policy applies to overdue transactions single amounts not exceeding RMB 10,000 that occurred between January 1, 2020, and December 31, 2025. If individuals fully repay these overdue debts by March 31, 2026, the financial credit information basic database will not display these overdue records, effectively removing them from personal credit reports.
The policy is automatic and free of charge, requiring no application or third-party involvement. Financial institutions have reported a noticeable increase in customer inquiries since its implementation. Borrowers across various provinces have shared experiences online confirming successful removal of overdue records shortly after repayment, enhancing opportunities like new credit card approvals. Adjustments in credit reports include changing the repayment status from overdue to normal and reducing overdue amounts to zero for qualifying cases.
Banks have introduced tools to facilitate customers’ credit report inquiries, such as the Agricultural Bank of China's mobile app function allowing users to check and receive their credit details via email. Industry experts caution against fraudulent schemes from intermediaries falsely claiming they can erase overdue records for a fee, warning such practices risk financial loss and data breaches. The policy’s conditions are strictly defined to apply only to overdue loans recorded in the official PBOC credit system within the set amount and time frame and contingent on full debt repayment by the deadline.
一次性信用修复政策落地,你的信用报告更新了吗?
Has Your Credit Report Been Updated Following the Implementation of the One-Time Credit Repair Policy?
Xinhua | Local Language | News | Jan. 9, 2026 | UndeterminedFinancial System Problems
The one-time credit repair policy issued by the People’s Bank of China took effect on January 1, 2026. Under this policy, overdue credit information meeting certain criteria will no longer appear on personal credit reports. Specifically, overdue amounts must be under 10,000 yuan, originate between January 1, 2020, and December 31, 2025, and the debt must be fully repaid by March 31, 2026. Once debts are repaid, overdue records will be removed from credit reports by the end of the following month.
Many individuals who settled overdue loans within the specified time frame have already seen their credit reports updated, improving their chances of obtaining loans. However, some borrowers have not yet seen changes due to unmet conditions. The policy allows a three-month grace period until the end of March 2026 for individuals to repay overdue debts to benefit from the credit repair.
Banks and financial institutions such as ICBC and China Construction Bank have enhanced their credit reporting and inquiry systems to support customers in checking their updated credit status promptly. The People’s Bank of China has also established a verification mechanism to address public inquiries or disputes related to the policy within 30 days.
Experts warn against falling for unscrupulous intermediaries offering high-interest loans or debt restructuring schemes. Instead, borrowers facing difficulties are encouraged to proactively communicate with lenders to arrange repayment solutions and improve their credit standing. The policy is automatically implemented within the credit reporting system, requiring no action or application from individuals.
Domestic NEVs gaining traction
Peoples Daily | English | News | Jan. 9, 2026 | UndeterminedTech Development/Adoption
Chinese automaker BYD has become the world's largest seller of battery electric vehicles (BEVs), surpassing US-based Tesla by selling 2.26 million BEVs in 2025, a 28 percent increase year-on-year. In contrast, Tesla's deliveries declined by 8.6 percent to 1.64 million vehicles. This shift highlights the expanding influence of Chinese NEV manufacturers in the global electric mobility market.
The growth of China’s domestic NEV market has been a key driver behind this development. In the first half of 2025, 5.62 million NEVs were newly registered in China, a record high and up nearly 28 percent year-on-year. NEVs accounted for 45 percent of all new vehicle registrations during this period, reflecting strong and diversified consumer demand across different city tiers and vehicle segments.
Chinese NEV brands are also broadening accessibility to advanced automotive technologies. Features like intelligent driving systems and fast-charging technologies, once limited to premium models, are now available in mid- and lower-priced vehicles. BYD’s God's Eye advanced driver assistance system, covering parking, driving, and safety functions, is now standard on models priced from around 100,000 yuan ($14,320), enhancing value for money beyond just lower prices.
Technological innovations by Chinese manufacturers in battery technology, plug-in hybrid systems, and ADAS have spurred global industry upgrades. This intensifying competition is raising the innovation standard within the worldwide auto sector, leading to broader consumer access to more advanced electric vehicle technologies.
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