印度中央银行正在审查一项计划,让放款人为错过EMI付款而远程停用智能手机,目的是减少违约,同时解决隐私和公平问题。 India's central bank is reviewing a plan to let lenders remotely disable smartphones for missed EMI payments, aiming to reduce defaults while addressing privacy and equity concerns.

印度储备银行正在审查一项提案,允许放款人如果未能付款,可以将EMI公司购买的智能手机远程停用,目的是在消费者信贷使用量增加的情况下减少贷款违约。 The Reserve Bank of India is reviewing a proposal to allow lenders to remotely disable smartphones bought on EMIs if payments are missed, aiming to reduce loan defaults amid rising consumer credit use. 该计划需要预先征得借款人同意，并且只会在不访问数据的情况下禁用设备，此前该计划是继过去出于隐私问题而禁止类似“杀死应用程序”之后的。 The plan, which requires upfront borrower consent and would only disable devices without accessing data, follows past bans on similar "kill apps" due to privacy concerns. 虽然放款人认为必须保护抵押品, 但批评者警告说, 这可能会伤害依赖电话获得基本服务的低收入借款人, 引起对滥用、缺乏透明度和过度影响的担忧。 While lenders argue it's necessary to protect collateral, critics warn it could harm low-income borrowers who rely on phones for essential services, raising concerns about misuse, lack of transparency, and disproportionate impact. 随着该政策仍在讨论之中,RBI力求在金融安全和消费者权利之间取得平衡。 The RBI seeks to balance financial safety with consumer rights as the policy remains under discussion.