﻿{"id":305521,"date":"2022-05-16T11:41:33","date_gmt":"2022-05-16T03:41:33","guid":{"rendered":"https:\/\/law.asia\/?p=305521"},"modified":"2024-02-21T18:11:10","modified_gmt":"2024-02-21T10:11:10","slug":"rbi-recasts-framework-microfinance-kor","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/rbi-recasts-framework-microfinance-kor\/","title":{"rendered":"RBI\uac00 \uc18c\uc561 \uae08\uc735 \uacf5\uae09\uc790\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc2dc\uc2a4\ud15c\uc744 \uc7ac\uad6c\uc131\ud568"},"content":{"rendered":"<p>\uc18c\uc561 \uae08\uc735 \uaddc\uc81c\ub294 \uc774\uc804\uc5d0\ub294 \ube44-\uc740\ud589\uad8c \uae08\uc735 \ud68c\uc0ac \u2013 \uc18c\uc561 \uae08\uc735 \uae30\uad00(NBFC-MFI)\uc5d0 \uc9d1\uc911\ud574 \uc654\uc73c\uba70, \uc740\ud589 \ubc0f \uae30\ud0c0 NBFCs\uc640 \uac19\uc740 \uc18c\uc561 \uae08\uc735\uc5d0 \ucc38\uc5ec\ud558\ub294 \uae30\ud0c0 \uc5c5\uccb4\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc558\ub2e4. \uc778\ub3c4 \uc900\ube44 \uc740\ud589(RBI)\uc740 2021\ub144\uc5d0 \ub3d9\uc77c\ud55c \uaddc\uc81c \uccb4\uacc4 \ub0b4 \uc18c\uc561 \uae08\uc735\uc5d0 \uc885\uc0ac\ud558\ub294 \ubaa8\ub4e0 \uc5c5\uccb4\ub4e4\uc744 \uc0c1\ub300\ub85c \uc790\ubb38 \ubcf4\uace0\uc11c\ub97c \uacf5\ud45c\ud558\uc5ec \uac00\uaca9 \ucc45\uc815\uacfc \uac19\uc740 \ub2e4\ub978 \ubcc0\uacbd \uc0ac\ud56d\ub4e4\uc744 \uc18c\uac1c\ud558\uc600\ub2e4. 2022\ub144 3\uc6d4, \ud53c\ub4dc\ubc31\uc744 \ubc1b\uc740 \ud6c4, RBI\ub294 2022\ub144 4\uc6d4 1\uc77c\ubd80\ud130 \uc9c0\uae09 \uc740\ud589, \uc2e0\uc6a9 \uc870\ud569 \ubc0f \ubaa8\ub4e0 \ube44-\uc740\ud589 \uae08\uc735 \ud68c\uc0ac-\uc9d1\ud569\uc801\uc73c\ub85c \uaddc\uc81c \uc5c5\uccb4(RE)\ub77c \ubd80\ub974\uae30\ub85c \ud568-\ub97c \uc81c\uc678\ud55c \ubaa8\ub4e0 \uc2dc\uc911 \uc740\ud589\ub4e4\uc5d0\uac8c \uc801\uc6a9\ud558\ub294 \uc18c\uc561 \uae08\uc735(MFI \uc9c0\uc2dc\uc0ac\ud56d)\uc5d0 \uad00\ud55c \uc0c8\ub85c\uc6b4 \uaddc\uc81c \uccb4\uacc4\ub97c \uacf5\ud45c\ud558\uc600\ub2e4.<\/p>\n<figure id=\"attachment_284840\" aria-describedby=\"caption-attachment-284840\" style=\"width: 200px\" class=\"wp-caption alignright\"><a href=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh.jpg\"><img class=\"wp-image-284843\" title=\"Sawant Singh, Phoenix Legal, RBI recasts framework for microfinance providers\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh-240x300.jpg\" alt=\"Sawant Singh, Phoenix Legal, RBI recasts framework for microfinance providers\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh-336x420.jpg 336w, https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh.jpg 400w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><figcaption id=\"caption-attachment-284840\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong> <br \/>\ud30c\ud2b8\ub108<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc744 \uc800-\uc18c\ub4dd \uac00\uad6c\uc5d0 \ub300\ud55c \ubb34\ub2f4\ubcf4 \ub300\ucd9c\ub85c \uc815\uc758\ud558\ub294\ub370, \uc5ec\uae30\uc11c \uc800\uc18c\ub4dd \uac00\uad6c\ub77c \ud568\uc740 INR300,000 (USD4,000)\uc744 \ub118\uc9c0 \uc54a\ub294 \uc5f0 \uac00\uad6c \uc18c\ub4dd \uac00\uc815\uc744 \uc77c\uceeb\ub294\ub2e4. \uac00\uad6c\ub294 \ub0a8\ud3b8\uacfc \uc544\ub0b4 \ubc0f \uadf8\ub4e4\uc758 \ubbf8\ud63c \uc790\ub140\ub4e4\uc774\ub2e4. \ube44\uacf5\uc2dd\uc801\uc778 \uae08\uc735 \uacbd\ub85c\uc5d0 \ub300\ud55c \uc758\uc874\uc744 \uc904\uc774\uae30 \uc704\ud574, \ub300\ucd9c\uc758 \ucd5c\uc885 \uc0ac\uc6a9\uc740 \uc774\uc81c \ub354 \uc774\uc0c1 \uc18c\uc561 \uae08\uc735 \ub300\ucd9c \ubd84\ub958 \uc694\uc18c\uac00 \uc544\ub2c8\ub2e4. \uc774\uc804\uc5d0, NBFC\u2014MFIs\ub294 \uc18c\ub4dd \ucc3d\ucd9c \ubaa9\uc801\uc73c\ub85c \uc801\uc5b4\ub3c4 50% \ub300\ucd9c\uc744 \uc81c\uacf5\ud574\uc57c\ub9cc \ud588\ub2e4.<\/p>\n<p>Res\ub294 \uac00\uad6c \uc18c\ub4dd\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc774\uc0ac\ud68c \uc2b9\uc778 \ubc29\uce68\uc774 \uc788\uc5b4\uc57c \ud55c\ub2e4. MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \ud574\ub2f9 \ubc29\uce68\uc5d0 \ub300\ud55c \ud45c\ubcf8 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud558\uace0 Res \ud611\ud68c \ubc0f \uc790\uccb4 \uaddc\uc81c \uae30\uad00\uc774 \uacf5\ud1b5\uc758 \uccb4\uacc4\ub97c \uac1c\ubc1c\ud560 \uc218 \uc788\ub294 \uaddc\uc815\uc744 \ub450\uace0 \uc788\ub2e4. Res\ub294 \uac00\uad6c\ub2f9 \ucd5c\ub300 \ub300\ucd9c \uc0c1\ud658 \uc758\ubb34\uc5d0 \ub300\ud55c \uc774\uc0ac\ud68c \uc2b9\uc778 \ubc29\uce68\uc744 \ub450\uc5b4\uc57c \ud55c\ub2e4. \uc774\uc804\uc5d0\ub294, NBFC\u2014MFI \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc790\uc758 \ucd5c\ub300 \ubd80\ucc44\uac00 \ud2b9\uc815 \uae08\uc735 \uae30\uc900\uce58\uc5d0 \uc815\ud574\uc838 \uc788\uc5c8\ub2e4. \uc774 \uae30\uc900\uce58\uac00 \uc81c\uac70\ub418\uc5b4 REs\ub294 \ubaa8\ub4e0 \ubbf8\uc9c0\uae09 \ub300\ucd9c, \uc18c\uc561 \uae08\uc735 \ud639\uc740 \uae30\ud0c0 \ub4f1\ub4f1\uc5d0 \ub300\ud55c \uac00\uad6c\ub2f9 \ucd1d \ub300\ucd9c \uc0c1\ud658 \uc758\ubb34\uac00 \ub300\ucd9c\uc790\uc758 \uc6d4 \uac00\uad6c \uc18c\ub4dd\uc758 50%\ub97c \ucd08\uacfc\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc694\uad6c\ub9cc \ub530\ub978 \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4. \uc774 \uc694\uac74\uc740 \uc7a5\ub798\uc5d0 \ub300\ud558\uc5ec \uc801\uc6a9\ub41c\ub2e4.<\/p>\n<p>\uc774\uc804\uc5d0\ub294, MFI \ub300\ucd9c \uac00\uc561 \uce21\uc815\uc774 RBI\uc5d0 \uc758\ud574 \uc8fc\uae30\uc801\uc73c\ub85c \ubc1c\ud45c\ub418\ub294 \uc740\ud589 \ud3c9\uade0 \uae30\uc900 \uae08\ub9ac\ub97c \ucd08\uacfc\ud558\uc5ec \uaddc\uc815\ub41c \ube44\uc728\uc5d0 \uae30\ucd08\ud558\uc600\ub2e4. \ud604\uc7ac MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc774\uc790\uc728\uc774 Res\uc758 \uc774\uc0ac\ud68c \uc2b9\uc778 \ubc29\uce68\uc5d0 \uae30\ubc18\ud560 \uac83\uc744 \uc694\uad6c\ud558\ub294\ub370, \uc774\ub294 \uc774\uc790\uc728 \ubaa8\ub378, \uc774\uc790\uc728\uacfc \ud574\ub2f9 \ubc94\uc704 \uc694\uc18c \ubc0f \uc774\uc790\uc728\uacfc \ubaa8\ub4e0 \ub2e4\ub978 \uccad\uad6c\uc561 \uc0c1\ud55c\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\ub2e4. MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \uace0\ub9ac\ub300\uae08 \uc774\uc790\uc728\uc744 \uae08\uc9c0\ud55c\ub2e4.<\/p>\n<figure id=\"attachment_294203\" aria-describedby=\"caption-attachment-294203\" style=\"width: 200px\" class=\"wp-caption alignright\"><a href=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava.jpg\"><img class=\"wp-image-294206\" title=\"Aditya Bhargava, Phoenix Legal, RBI recasts framework for microfinance providers\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-240x300.jpg\" alt=\"Aditya Bhargava, Phoenix Legal, RBI recasts framework for microfinance providers\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-336x420.jpg 336w, https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava.jpg 400w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><figcaption id=\"caption-attachment-294203\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong> <br \/>\ud30c\ud2b8\ub108<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>Res\ub294 \uc81c\ub300\ub85c \ub41c \uacb0\uc815\uc744 \ud568\uc5d0 \uc788\uc5b4 \ub300\ucd9c\uc790\ub4e4\uc744 \uc9c0\uc6d0\ud558\uace0\uc790 \uc774\uc790\uc728\uacfc \ubaa8\ub4e0 \ub2e4\ub978 \uc9c0\uae09 \uac00\ub2a5\ud55c \uccad\uad6c\uc561\ub4e4\uc744 \uc81c\uc2dc\ud558\ub294 \uaddc\uc815 \ud3ec\ub9f7\uc73c\ub85c \ub41c \ub2e8\uc21c\ud654\ub41c \uac00\uaca9 \ucc45\uc815 \uc790\ub8cc \ud45c\ub97c \uc81c\uacf5\ud560 \uac83\uc774\ub2e4. \uc790\ub8cc \ud45c\uc5d0 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc740 \ube44\uc6a9\uc740 \uccad\uad6c\ub420 \uc218 \uc5c6\ub2e4. Res\ub294 \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc0c1\ud658 \uc704\uc57d\uae08\uc744 \uccad\uad6c\ud560 \uc218 \uc5c6\uc73c\uba70, \uc624\uc9c1 \uc5f0\uccb4 \uae08\uc561\uc5d0 \uad00\ud574\uc11c\ub9cc \uccad\uad6c\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>NBFC\u2014MFI\ub294 \uc21c \uc790\uc0b0\uc758 \uc801\uc5b4\ub3c4 85%\ub97c \uc801\uaca9 \uc790\uc0b0\uc73c\ub85c \uc720\uc9c0\ud574\uc57c \ud588\uc9c0\ub9cc \uc774\uc81c\ub294 \ucd1d \uc790\uc0b0\uc758 75%\ub97c \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\ub85c \uc720\uc9c0\ud558\uba74 \ub41c\ub2e4. \ub2e4\ub978 Res\ub294 \uc774\uc81c \uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc744 \ucd08\uae30 10%\ud55c\ub3c4 \ub300\uc2e0 \uadf8\ub4e4 \ucd1d \uc790\uc0b0\uc758 25%\uae4c\uc9c0 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \ub300\ucd9c\uc790\uc758 \ud544\uc218 \ud589\uc704, \uc9c1\uc6d0 \uc5f0\uc218, \uc544\uc6c3\uc18c\uc2f1 \ud65c\ub3d9, \ubd88\ub9cc \uc0ac\ud56d, \ub300\ucd9c \ud68c\uc218, \ud68c\ubcf5 \ub300\ub9ac\uc778 \uc5c5\ubb34 \ub4f1\uc744 \uc81c\uc2dc\ud55c\ub2e4. \ud68c\ubcf5 \uc2dc \uc5c4\uaca9\ud55c \uad00\ud589\uc758 \uc0ac\uc6a9\uc740 \uba85\uc2dc\uc801\uc73c\ub85c \uae08\uc9c0\ub41c\ub2e4. Res\ub294 \ub530\ub77c\uc57c \ud560 \uacf5\uc815 \uad00\ud589 \uaddc\uc815\uc5d0 \ub300\ud55c \uc774\uc0ac\ud68c \uc2b9\uc778 \ubc29\uce68\uc744 \ub9c8\ub828\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc18c\uc561 \uae08\uc735 \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\ub294 \ud2b9\uc815 \ube44\uc601\ub9ac \ud68c\uc0ac\ub294 \uc774\uc804\uc5d0\ub294 \ub4f1\ub85d\uc744 NBFC\u2014MFIs\ub85c\ubd80\ud130 \uba74\uc81c\ubc1b\uc558\ub2e4. \uc774\ub7ec\ud55c \uba74\uc81c\ub294 \uc774\uc81c \uc81c\uac70\ub418\uc5c8\uc73c\uba70, \ud574\ub2f9 \uae30\uc5c5\ub4e4\uc740 MFI \uc9c0\uc2dc\uc0ac\ud56d \uc0ac\uc548\uc5d0\uc11c 3\uac1c\uc6d4 \uc774\ub0b4 NBFC\u2014MFIs\ub85c\uc11c \ub4f1\ub85d \uc2e0\uccad\ud558\uc5ec\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p>MFI \uc9c0\uc2dc \uc0ac\ud56d\uc740 \ubaa8\ub4e0 REs\ub97c \ub118\uc5b4 \uc18c\uc561 \uae08\uc735\uc5d0 \ub300\ud55c \uaddc\uc81c \uccb4\uacc4\ub97c \ud1b5\ud569 \uc870\uc815\ud558\uace0, \uadf8 \uacb0\uacfc \uaddc\uc81c \ucc28\uc775 \uac70\ub798\ub97c \ucd5c\uc18c\ud654\ud558\uc5ec \uc18c\uc561 \uae08\uc735 \ubd80\ubb38\uc5d0 \ub354 \uac74\uc804\ud55c \ucc38\uc5ec\ub97c \uad8c\uc7a5\ud55c\ub2e4. \uc18c\uc561 \uae08\uc735\uc5d0 \ub300\ud55c \uaddc\uc81c \uccb4\uacc4\uc758 \ub2e8\uc21c\ud654 \ubc0f \uaddc\ubc94\uc5d0\uc11c \uc6d0\ub9ac \uae30\ubc18 \uaddc\uc81c\ub85c\uc758 \uad11\ubc94\uc704\ud55c \uc774\ub3d9\uc774 \uc774 \ubd80\ubb38\uc758 \uc131\uc7a5\ud574 \uac00\ub294 \uc131\uc219\uc744 \ubc18\uc601\ud558\uba70 \uc774 \ubd80\ubb38\uc5d0 \uc788\uc5b4 \uae30\uc874 \ucc38\uac00\uc790\ub4e4\uc5d0 \ub300\ud55c RBI \uc790\uc2e0\uac10\uc744 \ubc18\uc601\ud55c\ub2e4.<\/p>\n<p style=\"text-align: justify;\"><strong><span class=\"vantage-grey\"><em>Sawant Singh \uc640 Aditya Bhargava\ub294 Phoenix Legal\uc758 \ud30c\ud2b8\ub108\ub4e4\uc774\uba70, Sristi Yadav\ub294 \uc120\uc784 \ubcc0\ud638\uc0ac\uc774\ub2e4.<\/em><\/span><\/strong><\/p>\n<section class=\"format-info\"><img class=\"aligncenter\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-300x109.jpg\" alt=\"Phoenix Legal\" width=\"300\" height=\"109\" \/><\/p>\n<p style=\"text-align: center;\"><strong>Phoenix Legal<\/strong><\/p>\n<p>Second Floor<br \/>\n254 Okhla Industrial<br \/>\nEstate Phase III<br \/>\nNew Delhi &#8211; 110 020 India<\/p>\n<p>Vaswani Mansion, 3\/F<\/p>\n<p>120 Dinshaw Vachha Road, Churchgate<\/p>\n<p>Mumbai \u2013 400 020, India<\/p>\n<p>\uc804\ud654: +91 22 4340 8500<br \/>\n+91 11 4983 0000<\/p>\n<p>\uc774\uba54\uc77c: <a href=\"mailto:mumbai@phoenixlegal.in\">mumbai@phoenixlegal.in<\/a><br \/>\n<a href=\"mailto:delhi@phoenixlegal.in\">delhi@phoenixlegal.in<\/a><br \/>\n\uc6f9\uc0ac\uc774\ud2b8: www.phoenixlegal.in<\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\uc18c\uc561 \uae08\uc735 \uaddc\uc81c\ub294 \uc774\uc804\uc5d0\ub294 \ube44-\uc740\ud589\uad8c \uae08\uc735 \ud68c\uc0ac \u2013 \uc18c\uc561 \uae08\uc735 \uae30\uad00(NBFC-MFI)\uc5d0 \uc9d1\uc911\ud574 \uc654\uc73c\uba70, \uc740\ud589 \ubc0f \uae30\ud0c0 NBFCs\uc640 \uac19\uc740 \uc18c\uc561 \uae08\uc735\uc5d0 \ucc38\uc5ec\ud558\ub294 \uae30\ud0c0 \uc5c5\uccb4\ub294 \ud574\ub2f9\ub418\uc9c0 \uc54a\uc558\ub2e4. \uc778\ub3c4 \uc900\ube44 \uc740\ud589(RBI)\uc740 2021\ub144\uc5d0 \ub3d9\uc77c\ud55c \uaddc\uc81c \uccb4\uacc4 \ub0b4 \uc18c\uc561 \uae08\uc735\uc5d0 \uc885\uc0ac\ud558\ub294 \ubaa8\ub4e0 \uc5c5\uccb4\ub4e4\uc744 \uc0c1\ub300\ub85c \uc790\ubb38 \ubcf4\uace0\uc11c\ub97c \uacf5\ud45c\ud558\uc5ec \uac00\uaca9 \ucc45\uc815\uacfc \uac19\uc740 \ub2e4\ub978 \ubcc0\uacbd \uc0ac\ud56d\ub4e4\uc744 \uc18c\uac1c\ud558\uc600\ub2e4. 2022\ub144 3\uc6d4, \ud53c\ub4dc\ubc31\uc744 \ubc1b\uc740 \ud6c4, RBI\ub294<\/p>\n","protected":false},"author":7425,"featured_media":303974,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","meta-author":"Sawant Singh\uacfcAditya Bhargava, Phoenix Legal"},"categories":[110499,77915],"tags":[52168,52170,52169,120716,120718,120717,120707,120719],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v17.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"\uc18c\uc561 \uae08\uc735 \uaddc\uc81c\ub294 \uc774\uc804\uc5d0\ub294 \ube44-\uc740\ud589\uad8c \uae08\uc735 \ud68c\uc0ac \u2013 \uc18c\uc561 \uae08\uc735 \uae30\uad00(NBFC-MFI)\uc5d0 \uc9d1\uc911\ud574 \uc654\uc73c\uba70, \uc740\ud589 \ubc0f \uae30\ud0c0 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