印度智能手机贷款违约在2024年RBI禁止遥控装置封锁之后每月增加20%, 但专家认为这一趋势是可以控制的。 Indian smartphone loan defaults rose 20% monthly after a 2024 RBI ban on remote device blocking, but experts say the trend is manageable.

印度的智能电话融资违约情况正在急剧上升,印度储备银行2024年出于数据隐私考虑禁止放款人使用远程阻塞装置,此后每月的缺口增长了20%。 Smartphone financing defaults in India are rising sharply, with a 20% month-on-month increase in delinquencies following the Reserve Bank of India’s 2024 ban on lenders remotely blocking devices due to data privacy concerns. 这一举措结束了通过OEM应用程序强制还款的做法,暴露了贷款组合中的弱点。 The move ended a practice used to enforce repayment via OEM apps, exposing weaknesses in loan portfolios. 虽然智能手机贷款占消费者耐用贷款的一半左右,但到2025年9月,未清余额下降到22 279卢比,比上一年下降4.7%。 Although smartphone loans make up about half of the consumer durable lending segment, outstanding balances declined to Rs 22,279 crore by September 2025, down 4.7% from the previous year. 出贷人现在侧重于高信用度借款人和向可靠的客户交叉销售。 Lenders are now focusing on higher-creditworthiness borrowers and cross-selling to reliable customers. 行业专家说,违约率的上升不是系统性的,可以通过风险控制加以管理,因为大多数差异在不履约之前就得到解决。 Industry experts say the rise in defaults is not systemic and can be managed through risk controls, as most delinquencies are resolved before becoming non-performing.