Fitch让印度的自动贷款ABS前景保持中立, Fitch keeps India's auto loan ABS outlook neutral, citing strong growth, low delinquencies, and resilient demand.

惠誉评级维持了2026年印度自动贷款资产支持证券部门的“净值”前景,指出国内经济增长强劲,预计26财政年度为7.4%,27财政年度为6.4%。 Fitch Ratings maintains a 'Neutral' outlook for India's auto loan asset-backed securities sector in 2026, citing stable performance amid strong domestic economic growth projected at 7.4% for FY26 and 6.4% for FY27. 弹性需求和不断增长的实际收入支撑着消费者支出,而商业车辆等创收资产的担保贷款支撑着稳定的贷款业绩。 Resilient demand and rising real incomes are supporting consumer spending, while secured loans on income-generating assets like commercial vehicles underpin steady loan performance. 截至2025年11月逾期90天以上的贷款按惠誉计价的交易率仍然较低,为0.8%。 Delinquency rates for Fitch-rated transactions remained low at 0.8% for loans overdue by over 90 days as of November 2025. 2025年有利的季风雨提高了农业收入和拖拉机贷款业绩,货运部门的适应能力减轻了贸易风险。 Favorable monsoon rains in 2025 boosted farm incomes and tractor loan performance, and the freight sector’s adaptability mitigates trade risks. 由于信贷强劲增长,前景稳定,不过,如果增长急剧放缓或承保削弱,风险仍然存在。 The outlook is stable due to strong credit enhancement, though risks remain if growth slows sharply or underwriting weakens.