印度提出为期六年的Kisan信用卡改革,包括数字接入、更长的融资和使用跟踪等特点。 India proposes six-year Kisan Credit Card reforms with digital access, longer financing, and usage-tracking features.

印度储备银行提议对Kisan信用卡计划进行彻底修改,为农村合作银行和商业银行采用六年综合信贷模式。 The Reserve Bank of India has proposed sweeping changes to the Kisan Credit Card scheme, introducing a six-year composite credit model for rural co-operative and commercial banks. 更新后的框架将整合短期和长期融资,使作物周期标准化,并允许通过UPI和中央银行数字货币(CBDC)进行数字访问,具有可编程的特点,以确保资金用于农业目的。 The updated framework will integrate short-term and long-term financing, standardize crop cycles, and allow digital access via UPI and Central Bank Digital Currency (CBDC) with programmable features to ensure funds are used for agricultural purposes. 农民可以获得高达10%的用于收获后需要的贷款和20%用于农业维修的贷款,无担保贷款最多可达2拉赫,可选择的黄金/银质抵押贷款可低于2拉赫。 Farmers may access up to 10% of their loan for post-harvest needs and 20% for farm maintenance, with collateral-free loans up to ₹2 lakh and optional gold/silver pledging for loans under ₹2 lakh. 2026年3月6日之前,公众可以对规则草案发表评论。 The public can comment on the draft rules until March 6, 2026.