印度从2026年4月1日起以基于风险的保险费取代定额存款保险,将收费与银行稳定性挂钩。 India replaces flat-rate deposit insurance with risk-based premiums starting April 1, 2026, linking fees to bank stability.

从2026年4月1日开始,印度将以基于风险的模式取代其64年的固定存款保险制度。 Starting April 1, 2026, India will replace its 64-year-old flat-rate deposit insurance system with a risk-based model. 银行将支付基于金融健康、治理和监督评级的保险费,最安全的机构支付每100美元8比索的存款——比目前低33%——而风险较大的银行支付12比索。 Banks will pay premiums based on financial health, governance, and supervisory ratings, with the safest institutions paying 8 paise per ₹100 in deposits—33% less than the current rate—while riskier banks pay 12 paise. 该系统由投资银行监管下的投资监管总局管理,旨在通过将保险费与银行稳定性挂钩,维持每个存款人5拉克的存款覆盖,促进更好的风险管理。 The system, managed by the DICGC under RBI oversight, aims to promote better risk management by linking premiums to bank stability, maintaining a ₹5 lakh deposit cover per depositor.