印度禁止从2026年7月起强制保险与贷款捆绑, India bans forced insurance bundling with loans starting July 2026 to stop mis-selling.

财政部长Nirmala Sitharaman警告印度银行不要误售像保险这样的金融产品, Finance Minister Nirmala Sitharaman warned Indian banks against mis-selling financial products like insurance, calling it a punishable offense under the new Bharatiya Nyaya Sanhita. 她敦促银行将重点重新放在核心职能上,如存款调动和贷款,批评积极的销售做法,特别是在客户已经承保的情况下将保险与家庭贷款捆绑在一起。 She urged banks to refocus on core functions such as deposit mobilization and lending, criticizing aggressive sales practices, especially bundling insurance with home loans when customers already have coverage. Sitharaman对印度储备银行的准则草案表示欢迎,该准则草案禁止强制性捆绑、误导性营销和销售不合适的产品,要求全额退款,如果错误销售得到证实,则要求补偿。 Sitharaman welcomed the Reserve Bank of India’s draft guidelines, which prohibit compulsory bundling, misleading marketing, and selling unsuitable products, requiring full refunds and compensation if mis-selling is proven. 这些规则定于2026年7月1日生效,适用于银行、非银行银行和住房融资公司,目的是缩小RBI和IRDAI监督之间长期存在的监管差距。 The rules, set to take effect July 1, 2026, apply to banks, NBFCs, and housing finance companies, aiming to close a long-standing regulatory gap between RBI and IRDAI oversight.