{"id":324822,"date":"2022-07-05T15:28:33","date_gmt":"2022-07-05T07:28:33","guid":{"rendered":"https:\/\/law.asia\/?p=324822"},"modified":"2024-02-21T18:09:25","modified_gmt":"2024-02-21T10:09:25","slug":"who-dares-wins","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/who-dares-wins\/","title":{"rendered":"NBFC\ub97c \uc704\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778"},"content":{"rendered":"<p>2021\ub144 10\uc6d4, \ube44(\u975e)\uc740\ud589 \uae08\uc735\ud68c\uc0ac(NBFC)\uc5d0 \ud544\uc694\ud55c \uaddc\uc81c \uae30\uc900\uc744 \ud1b5\uc0c1\uc801\uc778 \uad00\ub9ac \uc2e4\ubb34\uc5d0 \ub9de\ucd94\uae30 \uc704\ud574 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \uaddc\ubaa8\uc5d0 \uae30\ubc18\ud558\ub294 NBFC \uaddc\uc81c \uae30\uc900\uc744 \ub3c4\uc785\ud588\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uad00\ub9ac\uc640 \uad00\ub828\ud55c \uc694\uac74\uc774 \ud3ec\ud568\ub418\uc5c8\ub2e4.<\/p>\n<figure id=\"attachment_284843\" aria-describedby=\"caption-attachment-284843\" 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,NBFC\ub97c \uc704\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Sawant-Singh-240x300.jpg\" alt=\"Sawant Singh, Phoenix Legal, NBFC\ub97c \uc704\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778\" 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-284843\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong> <br \/>\ud30c\ud2b8\ub108\uc774\ub2e4<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>\uc774 \uae30\uc900\uc5d0 \ub530\ub77c NBFC\ub294 \u201c\uc798\ubabb\ub41c \ubcf4\uc0c1 \uc815\ucc45\uc5d0 \uc758\ud55c \uacfc\ub3c4\ud55c \uc704\ud5d8 \ubd80\ub2f4\uc73c\ub85c \uc778\ud558\uc5ec \ubc1c\uc0dd\ud558\ub294 \ubb38\uc81c\ub4e4\uc744 \ud574\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d\u201d RBI\uc758 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c \uc774\uc0ac\ud68c\uc5d0\uc11c \uc2b9\uc778\ud55c \uae09\uc5ec \ubc0f \ubcf4\uc0c1 \uc815\ucc45\uc744 \uc218\ub9bd\ud574\uc57c \ud55c\ub2e4. 2022\ub144 4\uc6d4 RBI\ub294 \uae30\uc874\uc758 NBFC\uc640 \uc815\ubd80 \uc18c\uc720\uc758 NBFC\ub97c \uc81c\uc678\ud55c \ubaa8\ub4e0 NBFC\uc758 \ud575\uc2ec\uad00\ub9ac\uc778\ub825(KMP)\uacfc \uc120\uc784 \uacbd\uc601\uc9c4\uc5d0 \ud544\uc694\ud55c \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778\uc744 \ubc1c\ud45c\ud588\ub294\ub370, \uc774\ub294 2023\ub144 4\uc6d4 1\uc77c\ubd80\ud130 \ud6a8\ub825\uc744 \ubc1c\uc0dd\ud55c\ub2e4.<\/p>\n<p>\uc774 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c, NBFC\uc758 \uc774\uc0ac\ud68c\ub294 \ud68c\uc0ac\ubc95(2013) 178\uc870\uc5d0 \ub530\ub77c \uc804\ud615(\u9293\u8861) \ubc0f \ubcf4\uc218(\u5831\u916c) \uc704\uc6d0\ud68c(NRC)\ub97c \uad6c\uc131\ud574\uc57c \ud55c\ub2e4. NRC\ub294 \ucd5c\uc18c\ud55c \ube44\uc0c1\uc784\uc774\uc0ac 3\uc778\uc73c\ub85c \uad6c\uc131\ub418\uc5b4\uc57c \ud558\uace0, \ucd5c\uc18c\ud55c \uc774\uc0ac\uc758 \uc808\ubc18\uc740 \uc0ac\uc678\uc774\uc0ac\uc774\uc5b4\uc57c \ud55c\ub2e4. 178\uc870\uc5d0\ub294 NRC\uc758 \ud2b9\uc815 \uc758\ubb34\uc640 \ucc45\uc784 \ub610\ud55c \uba85\uc2dc\ub418\uc5b4 \uc788\ub2e4. \uc774\ub4e4\uc758 \uc8fc\uc694 \uc5ed\ud560\uc740 \uc774\uc0ac\ud68c\uc5d0\uc11c \uc2b9\uc778\ud55c \ubcf4\uc0c1 \uc815\ucc45\uc758 \uae30\uc900\uc744 \uacb0\uc815\ud558\ub294 \uacfc\uc815\uc744 \uac10\ub3c5\ud558\uace0 \uac80\ud1a0\ud558\uc5ec \uc2e4\ud589\ud558\ub294 \uac83\uc774\ub2e4. \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub974\uba74, NRC\ub294 \u201c\ubcf4\uc0c1\uacfc \uc704\ud5d8 \uc694\uc18c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc870\uc728\ud560 \uc218 \uc788\ub3c4\ub85d\u201d \uc704\ud5d8\uad00\ub9ac\uc704\uc6d0\ud68c\uc640 \uae34\ubc00\ud558\uac8c \ud611\uc870\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>NBFC\uc758 \ubcf4\uc218 \uc218\uc900\uc740 \uc18c\ub4dd \uc720\uc9c0\uc640 \ucda9\ubd84\ud55c \uc790\ubcf8 \uad00\ub9ac\uc758 \ud544\uc694\uc131\uc744 \ubc18\uc601\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. KMP\uc640 \uc120\uc784 \uacbd\uc601\uc9c4\uc758 \ubcf4\uc218\ub294 \ud569\ub9ac\uc801\uc774\uc5b4\uc57c \ud558\uace0, \ubc95\uc801 \uc694\uac74\uacfc \uc5c5\uacc4 \uad00\ud589\uc744 \ub530\ub77c\uc57c \ud55c\ub2e4. \uc218\ubc18\ub418\ub294 \uc704\ud5d8\uc5d0 \ub9de\ucdb0 \ubcf4\uc0c1\ud560 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc0c1 \ud504\ub85c\uadf8\ub7a8\uc740 \uace0\uc815\uae09(fixed pay)\uacfc \ubcc0\ub3d9\uae09(variable pay)\uc73c\ub85c \uad6c\uc131\ud560 \uc218 \uc788\ub2e4. \ud604\uae08, \uc8fc\uc2dd \ubc0f \uae30\ud0c0 \ud615\ud0dc\uc758 \ubcf4\uc0c1\uc774 \ud63c\uc7ac\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \ubc1c\uc0dd\ud558\ub294 \uc704\ud5d8\uc758 \uc815\ub3c4\uc5d0 \ubd80\ud569\ub418\uc5b4\uc57c \ud55c\ub2e4. \ubcf4\uc0c1\uc758 \uace0\uc815 \uc694\uc18c\uc5d0\ub294 \ud604\uae08, \uae08\uc804\uc801\uc73c\ub85c \ucd5c\ub300\ud55c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ud2b9\uad8c, \ub178\ub839\uc5f0\uae08\uacfc \ud1f4\uc9c1\uc5f0\uae08 \ubd84\ub2f4, \ube44\uae08\uc804\uc801 \ud61c\ud0dd(\uc608: \uc219\uc18c\uc640 \uc790\ub3d9\ucc28)\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uae08\uc561\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\ub2e4.<\/p>\n<figure id=\"attachment_294206\" aria-describedby=\"caption-attachment-294206\" 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, NBFC\ub97c \uc704\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-240x300.jpg\" alt=\"Aditya Bhargava, Phoenix Legal, NBFC\ub97c \uc704\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\uc0c1 \uac00\uc774\ub4dc\ub77c\uc778\" 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-294206\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong> <br \/>\ud30c\ud2b8\ub108\uc774\ub2e4<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>\ubcc0\ub3d9\uae09\uc758 \uc2e4\uc801\uacfc \ubcf4\uc218 \uae30\uc900\uc740 \uc2e4\uc801 \ud3c9\uac00\ub97c \uc2dc\uc791\ud560 \ub54c \uba85\ud655\ud558\uac8c \uc815\uc758\ud574\uc57c \ud55c\ub2e4. \ubcf4\uc0c1\uc758 \ubcc0\ub3d9 \uc694\uc18c\ub294 \uc8fc\uc2dd\uc5f0\uacc4\uc0c1\ud488 \ub610\ub294 \ud604\uae08\uacfc \uc8fc\uc2dd\uc5f0\uacc4\uc0c1\ud488\uc744 \uc801\uc808\ud558\uac8c \ud63c\uc6a9\ud558\ub294 \ud615\ud0dc\uac00 \ub420 \uc218 \uc788\ub2e4. \ubcf4\uc0c1\uc758 \ubcc0\ub3d9 \uc694\uc18c \ube44\uc728\uc740 KMP \ub610\ub294 \uc120\uc784 \uacbd\uc601\uc9c4\uc758 \uc5ed\ud560\uacfc \uc704\ud5d8 \ubd80\ub2f4 \uc815\ub3c4\ub97c \ube44\uad50\ud558\uc5ec \ubc18\uc601\ud574\uc57c \ud55c\ub2e4. \ubcc0\ub3d9 \uc694\uc18c\ub294 \uac1c\uc778, \uc0ac\uc5c5 \ub2e8\uc704 \ubc0f \uc804\uc0ac(\u5168\u793e) \ucc28\uc6d0\uc758 \uc2e4\uc801\uc5d0 \uae30\ubc18\ud558\uc5ec \uadf8 \ud615\uc2dd\uacfc \ub0b4\uc6a9\uc774 \ubcc0\ud560 \uc218 \uc788\uc5b4\uc57c \ud558\uace0, 0\uc774 \ub420 \uc218\ub3c4 \uc788\ub2e4. \ud604\uae08\uc774\ub4e0 \uae30\ud0c0\uc758 \uac83\uc774\ub4e0, \ubcc0\ub3d9 \ubd80\ubd84\uc740 \uc774\uc0ac\ud68c\uc5d0\uc11c \uacb0\uc815\ud558\ub294 \ubc14 \ub300\ub85c \uc704\ud5d8 \ud3c9\uac00 \ub0b4\uc6a9\uc5d0 \ub530\ub77c \ub098\uc911\uc5d0 \ubd84\ud560\ud558\uc5ec \uc9c0\uae09\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>NBFC\ub098 \uad00\ub828 \uc0ac\uc5c5 \ubd84\uc57c\uc758 \uae08\uc735 \uc2e4\uc801\uc774 \uc800\uc870\ud558\uac70\ub098 \uc545\ud654\ub41c \uacbd\uc6b0 \ub610\ub294 \uc9c1\uc6d0\uc758 \ubd88\ubc95\ud589\uc704\uac00 \uc788\ub294 \uacbd\uc6b0, \ubcf4\uc218 \uc9c0\uae09\uc744 \uc911\ub2e8\ud558\ub294 \uc784\uae08\uc0ad\uac10(malus) \ud569\uc758 \ubc0f \uc0ac\uc804\uc5d0 \uacb0\uc815\ud55c \uc0c1\ud669\uc5d0 \ud574\ub2f9\ud558\uba74 \uacc4\uc57d\uc0c1 \ud569\uc758\ud55c \ubc14 \ub300\ub85c \uc9c1\uc6d0\uc774 \ubcf4\uc218\ub97c \ubc18\ub0a9\ud558\ub294 \ud658\uc218(clawback) \uc870\uac74\uc5d0 \uc758\uac70\ud558\uc5ec \uc9c0\uae09\uc744 \ub2a6\ucdb0\uc57c \ud55c\ub2e4. NBFC\ub294 \uc784\uae08\uc0ad\uac10\uacfc \ud658\uc218 \uc870\ud56d\uc5d0 \ud574\ub2f9\ud558\ub294 \uacbd\uc6b0\ub97c \uc815\ud574\uc57c \ud55c\ub2e4. NBFC\ub294 \ud574\ub2f9 \uc870\ud56d\uc744 \uc801\uc6a9\ud558\ub294 \uae30\uac04\uc744 \uba85\uc2dc\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc7ac\ubb34 \ud1b5\uc81c, \uc704\ud5d8 \uad00\ub9ac, \uaddc\uc815 \uc900\uc218 \ubc0f \ub0b4\ubd80 \uac10\uc0ac\ub97c \ub2f4\ub2f9\ud558\ub294 KMP\uc640 \uc120\uc784 \uacbd\uc601\uc9c4\uc758 \ubcf4\uc218\ub294 \uc774\ub4e4\uc758 \uc5ed\ud560\uc5d0 \ubd80\ud569\ub418\uc5b4\uc57c \ud558\uace0, \uc774\ub4e4\uc774 \uac10\ub3c5\ud558\ub294 \uc0ac\uc5c5 \uc601\uc5ed\uc740 \ubb34\uc2dc\ud574\uc57c \ud55c\ub2e4. KMP\uc640 \uc120\uc784 \uacbd\uc601\uc9c4\uc740 \uace0\uc815\uae09 \ube44\uc728\uc774 \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc, \uc784\uae08\uc0ad\uac10\uacfc \ud658\uc218 \uc635\uc158\uc774 \uc720\ud6a8\ud558\uac8c \uc6b4\uc6a9\ub420 \uc218 \uc788\ub3c4\ub85d \ubcc0\ub3d9\uae09\uc758 \ube44\uc728\ub3c4 \ud569\ub9ac\uc801\uc774\uc5b4\uc57c \ud55c\ub2e4. \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \uc758\uac70\ud558\uc5ec, KMP\uc640 \uc120\uc784 \uacbd\uc601\uc9c4\uc740 \ubcf4\uc7a5 \ubcf4\ub108\uc2a4\ub97c \ubc1b\uc744 \uc218 \uc5c6\ub2e4. \uc2e0\uaddc \ucc44\uc6a9\uc758 \uacbd\uc6b0\uc5d0\ub294 \ud658\uc601 \ubcf4\ub108\uc2a4(joining bonus)\ub97c \uc904 \uc218 \uc788\uc9c0\ub9cc, \uc774\ub294 \uace0\uc815\uae09\uc774\ub098 \ubcc0\ub3d9\uae09\uc5d0 \ud574\ub2f9\ud558\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n<p>\u2018\uac74\uac15\ud55c\u2019 \uad00\ub9ac \uc2e4\ubb34\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub294 \uc774 \uac00\uc774\ub4dc\ub77c\uc778\uc740 \uc6d0\uce59\uc5d0 \uae30\ubc18\ud558\ub294 \uaddc\uc815\uc744 \uc9c0\ud5a5\ud558\uace0 NBFC\uc640 RBI\uc758 \uad00\uacc4 \uac1c\uc120\uc744 \ubaa8\uc0c9\ud558\uba74\uc11c NBFC\uac00 \ub098\uc544\uac08 \ubc29\ud5a5\uc744 \ud3ed\ub113\uac8c \uc81c\uc2dc\ud558\uace0 \uc788\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\uc774\ub2e4. \uc120\uc784 \uc18c\uc18d \ubcc0\ud638\uc0ac Sristi Yadav \ub610\ud55c \uc774 \uae30\uc0ac\uc5d0 \ub3c4\uc6c0\uc744 \uc8fc\uc5c8\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: mumbai@phoenixlegal.in<br \/>\ndelhi@phoenixlegal.in<br \/>\n\uc6f9\uc0ac\uc774\ud2b8: <a href=\"http:\/\/www.phoenixlegal.in\/\">www.phoenixlegal.in<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>2021\ub144 10\uc6d4, \ube44(\u975e)\uc740\ud589 \uae08\uc735\ud68c\uc0ac(NBFC)\uc5d0 \ud544\uc694\ud55c \uaddc\uc81c \uae30\uc900\uc744 \ud1b5\uc0c1\uc801\uc778 \uad00\ub9ac \uc2e4\ubb34\uc5d0 \ub9de\ucd94\uae30 \uc704\ud574 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \uaddc\ubaa8\uc5d0 \uae30\ubc18\ud558\ub294 NBFC \uaddc\uc81c \uae30\uc900\uc744 \ub3c4\uc785\ud588\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uad00\ub9ac\uc640 \uad00\ub828\ud55c \uc694\uac74\uc774 \ud3ec\ud568\ub418\uc5c8\ub2e4. \uc774 \uae30\uc900\uc5d0 \ub530\ub77c NBFC\ub294 \u201c\uc798\ubabb\ub41c \ubcf4\uc0c1 \uc815\ucc45\uc5d0 \uc758\ud55c \uacfc\ub3c4\ud55c \uc704\ud5d8 \ubd80\ub2f4\uc73c\ub85c \uc778\ud558\uc5ec \ubc1c\uc0dd\ud558\ub294 \ubb38\uc81c\ub4e4\uc744 \ud574\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d\u201d RBI\uc758 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c \uc774\uc0ac\ud68c\uc5d0\uc11c \uc2b9\uc778\ud55c \uae09\uc5ec \ubc0f \ubcf4\uc0c1 \uc815\ucc45\uc744 \uc218\ub9bd\ud574\uc57c \ud55c\ub2e4. 2022\ub144 4\uc6d4 RBI\ub294<\/p>\n","protected":false},"author":7425,"featured_media":317500,"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 \uadf8\ub9ac\uace0 Aditya Bhargava, Phoenix 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