印度央行发布了关于管理信用风险的草案, 要求银行和NBFC制定所有模式的政策. RBI issues draft circular for managing model risks in credit, requires banks and NBFCs to establish policy for all models.
印度储备银行(RBI)发布了一份题为“信贷风险管理示范规则”的通知草案,以解决贷款人使用的信贷管理模式的潜在风险。 The Reserve Bank of India (RBI) has published a draft circular for 'Regulatory Principles for Management of Model Risks in Credit' to address potential risks from credit management models used by lenders. RBI要求银行和非银行金融公司(NBFCs)为所部署的所有模式制定详细的董事会批准的政策,涵盖整个模式生命周期。 The RBI requires banks and non-banking financial companies (NBFCs) to establish a detailed board-approved policy for all models deployed, covering the entire model life cycle. 模型产出可能面临不确定因素,因为它们所依赖的假设可能无法如预期的那样表现出来。 Model outputs can be exposed to uncertainties, as they rely on assumptions that may not manifest as expected. RBI强调,管理示范风险需要理解、强有力的验证机制以及适当的治理和监督。 RBI emphasizes the need for understanding, robust validation mechanisms, and appropriate governance and oversight for managing model risk. 现有模型需要在六个月内根据《登记和调查法》准则加以验证。 Existing models need to be validated within six months under the RBI's guidelines.