印度储备银行允许小型金融银行通过 UPI 延长预先批准的信贷额度

印度储备银行 (RBI) 允许小型金融银行 (SFB) 通过统一支付接口 (UPI) 延长预先批准的信贷额度，以扩大 UPI 的信贷范围。

The Reserve Bank of India (RBI) has permitted small finance banks (SFBs) to extend pre-sanctioned credit lines through the Unified Payments Interface (UPI) in an effort to expand the reach of credit on UPI.

印度储备银行 (RBI) 允许小型金融银行 (SFB) 通过统一支付接口 (UPI) 延长预先批准的信贷额度，以扩大 UPI 的信贷范围。

Introduced in 2016, UPI offers instant money transfers and serves as a single mobile application for accessing multiple bank accounts. In September 2023, the ambit of UPI was broadened by enabling pre-sanctioned credit lines to be linked via UPI and used as a funding account by scheduled commercial banks, excluding payment banks, small finance banks, and regional rural banks.

UPI 于 2016 年推出，提供即时转账，并作为访问多个银行账户的单一移动应用程序。 2023 年 9 月，UPI 的范围得到扩大，允许预先批准的信贷额度通过 UPI 链接起来，并用作指定商业银行的资金账户，不包括支付银行、小型金融银行和区域性村镇银行。

“It has now been decided to permit small finance banks also to extend pre-sanctioned credit lines through the UPI. This will further deepen financial inclusion and enhance formal credit, particularly for ‘new to credit’ customers,” Shaktikanta Das, RBI’s Governor, said in his Monetary Policy statement on Friday. Monetary Policy refers to actions taken by a country’s central bank to manage the money supply and influence economic activity.

“现在已决定允许小型金融银行也通过 UPI 延长预先批准的信贷额度。这将进一步深化金融包容性并增强正式信贷，特别是对于“新信贷”客户，”印度储备银行行长沙克蒂坎塔·达斯(Shaktikanta Das)在周五的货币政策声明中表示。货币政策是指一国中央银行为管理货币供应和影响经济活动而采取的行动。

Emphasizing a high-tech, low-cost model to reach the last mile customer, small finance banks can play an enabling role in expanding the reach of credit on UPI. According to the RBI’s statement on Developmental and Regulatory Policies, the credit line on UPI has the potential to make available low-ticket, low-tenor products to ‘new-to-credit’ customers.

小型金融银行强调采用高科技、低成本模式来接触最后一英里客户，可以在扩大 UPI 信贷覆盖范围方面发挥推动作用。根据印度储备银行关于发展和监管政策的声明，UPI 的信贷额度有可能向“新信贷”客户提供低价、低期限的产品。

The UPI has witnessed a tenfold increase in volume over the past four years, with 12.5 billion transactions in 2019-20 reaching 131 billion transactions in 2023-24, accounting for 80% of all digital payment volumes. Notably, the UPI crossed a milestone of 16.6 billion transactions in October alone.

过去四年，UPI 交易量增长了 10 倍，2019-20 年交易量为 125 亿笔，2023-24 年交易量达到 1310 亿笔，占所有数字支付量的 80%。值得注意的是，仅 10 月份 UPI 就突破了 166 亿笔交易的里程碑。

Meanwhile, India is also looking to expand UPI use across the world so that any Indian with a UPI account can make a payment using UPI. Thus far, UPI has expanded to the United Arab Emirates (UAE), Peru, Mauritius, Sri Lanka, Singapore, France, Bhutan and Nepal.

与此同时，印度还希望在全球范围内扩大 UPI 的使用，以便任何拥有 UPI 账户的印度人都可以使用 UPI 进行付款。迄今为止，UPI 已扩展到阿拉伯联合酋长国（阿联酋）、秘鲁、毛里求斯、斯里兰卡、新加坡、法国、不丹和尼泊尔。

Earlier in December, the RBI issued an amendment to the framework for facilitating small-value digital payments in offline mode, increasing the transaction limits for UPI LITE.

12 月初，印度央行发布了促进离线模式小额数字支付框架的修正案，提高了 UPI LITE 的交易限额。

UPI LITE is a payment solution that processes low-value transactions. The solution leverages existing UPI ecosystem protocols for mobile phones to ensure commonality, compliance and system acceptance.

UPI LITE 是一种处理小额交易的支付解决方案。该解决方案利用现有的手机 UPI 生态系统协议来确保通用性、合规性和系统接受度。

“The offline framework has been updated and the enhanced limits for UPI Lite shall be ₹1,000 ($11) per transaction, with ₹5,000 ($59) being the total limit at any point in time,” RBI said.

RBI 表示：“离线框架已更新，UPI Lite 的增强限额为每笔交易 1,000 卢比（11 美元），任何时间点的总限额为 5,000 卢比（59 美元）。”

UPI LITE is touted as a customer-friendly approach that enables low-value transactions without utilizing a remitter bank’s core banking systems in real time while providing adequate risk mitigation.

UPI LITE 被誉为一种客户友好的方法，无需实时利用汇款银行的核心银行系统即可实现低价值交易，同时提供足够的风险缓解。

In November, the National Payments Corporation of India (NPCI), which operates retail payments and settlement systems in India, conducted an event as part of the NPCI Synergy initiative. The event featured senior leaders from small finance banks (SFBs) and payments banks, recognizing their contributions in shaping the future of India’s digital payments through innovation, partnerships, and collaboration.

11 月，在印度运营零售支付和结算系统的印度国家支付公司 (NPCI) 举办了一场活动，作为 NPCI 协同计划的一部分。此次活动邀请了来自小型金融银行 (SFB) 和支付银行的高级领导人，表彰他们通过创新、伙伴关系和协作为塑造印度数字支付未来做出的贡献。

“SFBs and payments banks offer last-mile connectivity solutions, drive financial inclusion, and foster trust in underserved regions. Through initiatives like NPCI Synergy, we are committed to shaping the future of payments and driving inclusive growth for all,” said Dilip Asbe, MD & CEO of NPCI.

“SFB 和支付银行提供最后一英里连接解决方​​案，推动金融包容性，并培养服务欠缺地区的信任。通过 NPCI Synergy 等举措，我们致力于塑造支付的未来并推动所有人的包容性增长。”NPCI 董事总经理兼首席执行官 Dilip Asbe 表示。

Recently, the RBI also suggested small businesses adopt digital payment systems, like the UPI, to create a digital footprint for their financial transactions. This is expected to make it easier for lenders to assess the firm’s financials and reduce the credit gap.

最近，印度储备银行还建议小型企业采用 UPI 等数字支付系统，为其金融交易创建数字足迹。预计这将使贷方更容易评估公司的财务状况并缩小信贷缺口。

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