印度的UPI推动金融包容性和信贷增长,将GDP提高到2026年的8.2%。 India’s UPI drives financial inclusion and credit growth, boosting GDP to 8.2% in Q2 2026.

印度的统一付款接口(UPI)正在扩大信贷渠道和金融普惠性,使银行和芬基技术公司能够使用可核查的交易数据向先前被排除在外的借款人贷款,推动信贷强劲增长而不增加违约。 India’s Unified Payments Interface (UPI) is expanding credit access and financial inclusion by enabling banks and fintechs to lend to previously excluded borrowers using verifiable transaction data, driving strong credit growth without rising defaults. 2025年,银行信贷达到203万亿日元,个人贷款逐年增长8.9%,家庭债务上升至GDP的41.3%,非住房零售贷款超过其他贷款类型。 In 2025, bank credit reached ₹203 trillion, personal loans grew 8.9% year-on-year, and household debt rose to 41.3% of GDP, with non-housing retail loans surpassing other loan types. UPI的交易从2024年猛增到2,280亿,价值300万亿日元,数量增加了33%,价值增加了21%,在Maharashtra和Bihar广泛用于购物、转账和账单支付。 UPI transactions surged to 228 billion in value of ₹300 trillion, up 33% in volume and 21% in value from 2024, with widespread use in Maharashtra and Bihar for shopping, transfers, and bill payments. 到2025年3月,RBI的金融普惠指数上升到67.0, UPI在刺激经济活动方面所起的作用促使印度在26财政年度(Q2 FY26)的实际GDP增长率达到8.2%,预计26财政年度为7.4%。 The RBI’s Financial Inclusion Index rose to 67.0 by March 2025, and UPI’s role in boosting economic activity contributed to India’s 8.2% real GDP growth in Q2 FY26, with a projected 7.4% for FY26. 尽管UPI的增长,但现金仍然占主导地位,90%以上的用户仍然依赖它,这凸显了混合支付的前景。 Despite UPI’s growth, cash remains dominant, with over 90% of users still relying on it, highlighting a hybrid payments landscape.