到2025年10月,印度以黄金为后盾的贷款猛增128.5%至400亿美元,这是由高金价和低利率推动的。 Indian gold-backed loans jumped 128.5% yoy to $40 billion by Oct 2025, fueled by high gold prices and low rates.

据印度储备银行称,在高金价、低利率和与无担保贷款相比容易获得贷款的推动下,到2025年10月,印度的黄金支持贷款年同比猛增128.5%,达到3.38亿卢比。 Gold-backed loans in India surged 128.5% year-on-year to 3.38 lakh crore rupees by October 2025, according to the Reserve Bank of India, driven by high gold prices, low interest rates, and easy access compared to unsecured loans. 快速增长远远超过了整体信贷扩张,反映出家庭利用闲置黄金满足流动性和消费需求而出现转变。 The rapid growth, far exceeding overall credit expansion, reflects a shift as households use idle gold to meet liquidity and consumption needs. 虽然这一部分在非粮食信贷总额中所占的份额仍然很小,但其份额在一年中几乎翻了一番。 While the segment remains a small share of total non-food credit, its share nearly doubled in a year. RBI指出,由于控制了风险,当前金融稳定风险有限,但由于对黄金价格波动的敏感性,正在密切监测这一趋势。 The RBI notes limited immediate financial stability risks due to contained exposure but is monitoring the trend closely due to sensitivity to gold price swings.