印度发起2万亿卢比的信贷担保,以恢复银行资金下滑后的小额金融借款. India launches ₹20,000-crore credit guarantee to revive microfinance lending after bank funding plunge.

印度为小额金融机构推出了2万亿卢比的信贷担保计划,以应对银行资金下降70%,旨在恢复欠缺服务的借款人. India launched a ₹20,000-crore credit guarantee scheme for microfinance institutions to counter a 70% drop in bank funding, aiming to restore lending to underserved borrowers. 该计划由国家金融信贷委员会管理,根据MFI规模提供70%至80%的部分担保,以基准利率加2个百分点限制贷款利率,并包括一年暂停和三年任期. The scheme, managed by the NCGTC, offers partial guarantees of 70% to 80% based on MFI size, caps loan rates at benchmark rates plus 2 percentage points, and includes a one-year moratorium and three-year tenure. 它要求向中小金融机构分配最低额度的资金,限制其管理资产的20%和支持负责任贷款. It mandates minimum allocations to small and mid-sized MFIs, limits exposure to 20% of assets under management, and supports responsible lending. 由于资产质量改善,逾期贷款下降到1.6%,该行业的3.15万亿美元投资组合减少了7.3%. The move follows improved asset quality, with overdue loans falling to 1.6%, and seeks to reverse a 7.3% decline in the sector’s ₹3.15 lakh crore portfolio.