印度于2026年4月1日推出基于风险的存款保险费,根据银行风险调整成本,提高效率和安全性。 India launches risk-based deposit insurance premiums April 1, 2026, adjusting costs by bank risk, boosting efficiency and safety.

印度储备银行于2026年4月1日启动基于风险的存款保险保费制度, India’s Reserve Bank is launching a risk-based deposit insurance premium system on April 1, 2026, replacing a flat rate with tiered premiums based on banks’ risk profiles. 强势银行可能只支付每卢比8美分。 Stronger banks may pay as little as 8 paise per Rs. 100,达到最高33%的折扣,而较弱的银行面临更高的成本。 100, achieving up to a 33% discount, while weaker banks face higher costs. 会计师协会估计,这一变化可能会使顶级银行的资产回报率提高近4个基点,使全部门约3个bps,使大约80%的存款受益。 ICRA estimates the change could boost return on assets by nearly 4 basis points for top banks and about 3 bps sector-wide, benefiting roughly 80% of deposits. 附加的基于年金的奖励措施可能使保险费减少高达25%。 Additional vintage-based incentives may reduce premiums by up to 25%. 改革由投资银行监管下的投资、保险和保险司管理,目的是促进更好的风险管理,并支持今后增加存款保险限额。 The reform, administered by the DICGC under RBI oversight, aims to promote better risk management and could support future increases in the deposit insurance limit. 印度的保险存款比率截至2025年3月为41.5%,属全球最高之列。 India’s insured deposit ratio stood at 41.5% as of March 2025, among the highest globally.