﻿{"id":469433,"date":"2024-02-16T12:27:50","date_gmt":"2024-02-16T04:27:50","guid":{"rendered":"https:\/\/law.asia\/?p=469433"},"modified":"2024-02-23T11:05:01","modified_gmt":"2024-02-23T03:05:01","slug":"rbi-consumer-loans-surveillance","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/rbi-consumer-loans-surveillance\/","title":{"rendered":"\uc778\ub3c4\uc911\uc559\uc740\ud589, \uc18c\ube44\uc790 \ub300\ucd9c\uc758 \uac10\uc2dc\uc790\uc778\uac00 \ubc29\ud574\uc790\uc778\uac00"},"content":{"rendered":"<p>\uac1c\uc778 \ub300\ucd9c\uacfc \ubb34\ub2f4\ubcf4 \uc2e0\uc6a9 \ub300\ucd9c\uc758 \uae09\uaca9\ud55c \uc99d\uac00\ub85c \uc218\uac1c\uc6d4\uac04 \uacbd\uace0\uc758 \uc2e0\ud638\ub97c \ubc1b\uc740 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ud5a5\ud6c4 \ub354\uc6b1 \uac15\ub825\ud55c \uc870\uce58\ub97c \ucde8\ud560 \uac83\uc774\ub77c\uace0 \ubd84\uba85\ud788 \ubc1d\ud614\ub2e4. 2023\ub144 10\uc6d4 \ucd1d\uc7ac \uc131\uba85\uc11c\uc5d0\uc11c RBI\ub294 \uc740\ud589\uacfc \ube44\uc740\ud589 \uae08\uc735\ud68c\uc0ac(NBFC)\uc5d0 &#8220;\ub0b4\ubd80 \uac10\uc2dc \uba54\ucee4\ub2c8\uc998\uc744 \uac15\ud654\ud558\uace0 \uc704\ud5d8 \uc99d\uac00\ub97c \ud574\uacb0&#8221;\ud558\uace0 &#8220;\uc801\uc808\ud55c \ubcf4\ud638 \uc870\uce58\ub97c \ub9c8\ub828&#8221;\ud560 \uac83\uc744 \uad8c\uace0\ud588\ub2e4. \uc131\uba85\uc11c\ub294 \ub610\ud55c RBI\uac00 &#8220;\uae08\uc735 \uc548\uc815\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc801\uadf9\uc801\uc73c\ub85c \ud589\ub3d9\ud560 \uac83&#8221;\uc774\ub77c\uace0 \uacbd\uace0\ud588\ub2e4.<\/p>\n<figure id=\"attachment_459988\" aria-describedby=\"caption-attachment-459988\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-459991\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/01\/Sawant-Singh-Phoenix-Legal.jpg\" alt=\"Sawant Singh, Phoenix Legal\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-459988\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong><br \/>\ud30c\ud2b8\ub108<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>RBI\uac00 \uc810\uc810 \uac15\ud654\ub418\uc5b4\uc628 \uacbd\uace0\uac00 \uc6d0\ud558\ub294 \uacb0\uacfc\ub97c \ub0b4\uc9c0 \ubabb\ud588\uac70\ub098 \uc2ec\uc9c0\uc5b4 \uadf8\ub7ec\ud55c \uacb0\uacfc\uc758 \uadfc\ucc98\uc5d0\ub3c4 \ub3c4\ub2ec\ud558\uc9c0 \ubabb\ud588\uc74c\uc744 \ub290\ub080 \uac83\uc774 \uba85\ubc31\ud558\ub2e4. \uc774\uc804\uc758 \uacbd\uace0\uac00 \uc6d0\ud558\ub294 \uacb0\uacfc\ub97c \uac00\uc838\uc624\uc9c0 \ubabb\ud588\uac70\ub098 \uc2ec\uc9c0\uc5b4 \uc57d\uac04\uc758 \uacbd\uac01\uc2ec\ub3c4 \uc720\ubc1c\ud558\uc9c0 \ubabb\ud588\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ucd1d\uc7ac\uc758 \uc131\uba85\uc5d0 \uc774\uc5b4 11\uc6d4 16\uc77c \uac1c\uc778 \ub300\ucd9c\uc744 \ud3ec\ud568\ud55c \ubaa8\ub4e0 \ubbf8\uacb0\uc81c \ubc0f \uc2e0\uaddc \uc18c\ube44\uc790 \uc2e0\uc6a9\uc5d0 \ub300\ud55c \uc740\ud589\uc758 \uc704\ud5d8 \uac00\uc911\uce58\ub97c 100%\uc5d0\uc11c 125%\ub85c \ub192\uc774\uc790\ub294 \uc2dc\ud589\uaddc\uce59\uc774 \ubc1c\ud45c\ub418\uc5c8\ub2e4.<\/p>\n<p>\uc8fc\ud0dd \ub300\ucd9c, \uad50\uc721 \ub300\ucd9c, \ucc28\ub7c9 \ub300\ucd9c, \uae08 \ubc0f \uae08 \uc7a5\uc2e0\uad6c \ub2f4\ubcf4 \ub300\ucd9c\uacfc \uac19\uc740 \ud2b9\uc815 \ubc94\uc8fc\uc758 \ub300\ucd9c\uc740 \uc774\ubc88 \uacb0\uc815\uc5d0\uc11c \uc81c\uc678\ub418\uc5c8\ub2e4. \uc774 \uc2dc\ud589\uaddc\uce59\ub294 \ub610\ud55c \uc8fc\ud0dd \ub300\ucd9c, \uad50\uc721 \ub300\ucd9c, \ucc28\ub7c9 \ub300\ucd9c, \uae08 \ubc0f \uae08 \uc8fc\uc5bc\ub9ac \ub2f4\ubcf4 \ub300\ucd9c\uc744 \uc81c\uc678\ud55c NBFC\uac00 \uc81c\uacf5\ud558\ub294 \uc18c\ube44\uc790 \ub300\ucd9c\uc5d0 \ub300\ud55c \uc704\ud5d8 \uac00\uc911\uce58\ub97c 100%\uc5d0\uc11c 125%\ub85c \ub298\ub838\ub2e4. \uc544\ub9c8\ub3c4 \uc774\ub7ec\ud55c \uc870\uce58\ub294 \uaddc\uc81c \ucc28\uc775\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574 \uc2dc\ud589\ub418\uc5c8\uc73c\uba70 \uc740\ud589\uc758 \uc2e0\uc6a9 \uac70\ub798 \uc99d\uac00\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc774 NBFC\uc5d0 \ub300\ud55c \ub300\ucd9c\uc5d0\uc11c \ube44\ub86f\ub41c\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud55c \uac83\uc77c \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc18c\ube44\uc790 \uc2e0\uc6a9\uc5d0 \ub300\ud55c \uc870\uce58\ub97c \uacc4\uc18d \uac15\ud654\ud558\uba74\uc11c RBI\uc758 \uc2dc\ud589\uaddc\uce59\ub294 \ub610\ud55c \ud574\ub2f9 \uc704\ud5d8 \uac00\uc911\uce58\uac00 100% \ubbf8\ub9cc\uc778 \uacbd\uc6b0 \uacf5\uc778\ub41c \uc678\ubd80 \uc2e0\uc6a9 \ud3c9\uac00 \uae30\uad00\uc774 \ud560\ub2f9\ud55c \uc704\ud5d8 \uac00\uc911\uce58\ubcf4\ub2e4 \uc608\uc815\ub41c \uc0c1\uc5c5 \uc740\ud589\uc774 NBFC\uc5d0 \ub300\ud55c \ub300\ucd9c\uc5d0 \ub300\ud55c \uc704\ud5d8 \uac00\uc911\uce58\ub97c 25% \uc774\uc0c1 \ub192\uc778\ub2e4 .<\/p>\n<p>\uc6b0\uc120\uc21c\uc704 \ub300\ucd9c\ub85c \ubd84\ub958\ub420 \uc218 \uc788\ub294 \uc8fc\ud0dd\uae08\uc735\ud68c\uc0ac \ubc0f NBFC\uc5d0 \ub300\ud55c \ub300\ucd9c\uc740 \uc774\ubc88 \uac1c\uc815\uc5d0\uc11c \uc81c\uc678\ub41c\ub2e4. \uc2e0\uc6a9\uce74\ub4dc\ucc44\uad8c\uc5d0 \ub300\ud55c \uc704\ud5d8\ube44\uc911\ub3c4 \uc740\ud589\uacfc NBFC \uac01\uac01 150%, 125%\ub85c \ub192\uc544\uc84c\ub2e4.<\/p>\n<figure id=\"attachment_459992\" aria-describedby=\"caption-attachment-459992\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-459995\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/01\/Aditya-Bhargava-Phoenix-Legal.jpg\" alt=\"Aditya Bhargava, Phoenix Legal\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-459992\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong><br \/>\ud30c\ud2b8\ub108<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>\uc18c\ube44\uc790 \uc2e0\uc6a9\uc5d0 \ub300\ud55c \ucd94\uac00 \ub2e8\uc18d\uc5d0\uc11c \uc790\ub3d9\ucc28 \ub300\ucd9c \uc790\uccb4\ub294 \ub354 \ub192\uc740 \uc704\ud5d8 \uac00\uc911\uce58\uac00 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc9c0\ub9cc, \uc131\uaca9\uc0c1 \uac10\uac00\uc0c1\uac01\uc774 \uc9c4\ud589\ub418\ub294 \uc790\ub3d9\ucc28 \ub4f1 \ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \ud558\ub294 \ucd94\uac00 \ub300\ucd9c\uc740 \ubb34\ub2f4\ubcf4 \ub300\ucd9c\ub85c \ubd84\ub958\ub418\uc5b4\uc57c \ud55c\ub2e4. \ub610\ud55c RBI\uc758 \uaddc\uc81c\ub97c \ubc1b\ub294 \uae30\uc5c5\uc740 \uc18c\ube44\uc790 \uc2e0\uc6a9\uc5d0 \ub300\ud55c \ubd80\ubb38\ubcc4 \ub178\ucd9c \ud55c\ub3c4\ub97c \uac80\ud1a0\ud558\uace0 \uc774\ub7ec\ud55c \ud55c\ub3c4\ub97c &#8220;\uc9c0\uc18d\uc801\uc73c\ub85c \uc5c4\uaca9\ud558\uac8c \uc900\uc218\ud558\uace0 \ubaa8\ub2c8\ud130\ub9c1&#8221;\ud558\ub3c4\ub85d \uc694\uad6c\ub41c\ub2e4.<\/p>\n<p>RBI\uc758 \uc2dc\ud589\uaddc\uce59\uc740 \uc18c\ube44\uc790 \ub300\ucd9c\uc758 \uc131\uc7a5\uc744 \uc57d\ud654\uc2dc\ucf1c \uc18c\ube44\uc790 \ub300\ucd9c \uc911\uc2ec\uc758 \ub300\ucd9c \uae30\uad00\uacfc \uc2e0\uc6a9 \uce74\ub4dc \uc81c\uacf5\uc5c5\uccb4\uac00 \uc804\ub7b5\uc744 \uc7ac\uace0\ud558\ub3c4\ub85d \ud588\ub2e4. \uc774\ub294 \ubd84\uba85\ud788 RBI\uac00 \uc6d0\ud558\ub294 \uacb0\uacfc\uc774\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c RBI\ub97c \ud3ec\ud568\ud55c \uae08\uc735 \uaddc\uc81c \uae30\uad00\uc740 \uc774\ud574\uad00\uacc4\uc790\uac00 \uaddc\uc815 \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uae30 \uc704\ud55c \uc900\ube44\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \uc57d\uac04\uc758 \uc720\uc608 \uc2dc\uac04\uc744 \uc81c\uacf5\ud55c\ub2e4. \uadf8\ub7ec\ub098 \uc774 \uac1c\uc815\uc548\uc740 \uc989\uac01\uc801\uc73c\ub85c \ub3c4\uc785\ub418\uc5c8\ub294\ub370, \uc774\ub294 \uc544\ub9c8\ub3c4 \uac1c\uc778 \ub300\ucd9c \uc99d\uac00\uc5d0 \ub300\ud55c RBI\uc758 \ucd09\uac01\uc774 \uace4\ub450\uc11c \uc788\ub2e4\ub294 \uc99d\uac70\uc77c \uac83\uc774\ub2e4.<\/p>\n<p>RBI\uac00 \uc18c\ube44\uc790 \ub300\ucd9c\uc5d0 \ub300\ud55c \uc704\ud5d8 \uac00\uc911\uce58\ub97c \ub192\uc778 \uac83\uc740 \uc774\ubc88\uc774 \ucc98\uc74c\uc774 \uc544\ub2c8\ub2e4. \uacfc\uac70 2004~2005\ub144\uc5d0 \uc774\ub7f0 \uc870\uce58\ub97c \ucde8\ud588\uace0, 2019\ub144\uc5d0 \ub4e4\uc5b4\uc11c \uae34\ucd95\uc744 \uc644\ud654\ud588\ub2e4. \uc774\ub7ec\ud55c \ubc30\uacbd\uacfc \uc9c0\uae08\uae4c\uc9c0\uc758 \uacbd\uc81c \uad00\ud589\uc744 \uace0\ub824\ud558\uba74 \uc774\ub7ec\ud55c \uc870\uce58\ub294 \uc804\ud600 \uc0c8\ub86d\uc9c0 \uc54a\ub2e4.<\/p>\n<p>\uc2dc\ud589\uaddc\uce59 \ubc1c\ud45c\ub85c \uc778\ud574 \uae08\uc735 \ubd80\ubb38\uc5d0\uc11c \uc77c\ubd80 \ubd88\ub9cc\uc774 \uc81c\uae30\ub418\uc5c8\uc9c0\ub9cc \uc804\ubc18\uc801\uc778 \uc740\ud589 \uc5c5\ubb34 \uacfc\uc815\uc5d0\uc11c \ub300\ucd9c \uae30\uad00\uc740 \uacc4\uc18d\ud574\uc11c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uadf8\ub7ec\ub098 \uc18c\ube44 \ub300\ucd9c \uc911\uc2ec\uc758 \uc2e0\uaddc \ub300\ucd9c \uae30\uad00\uc740 \ubaa8\ub378\uc744 \uc7ac\ucc3d\uc870\ud560 \ud544\uc694\uac00 \uc788\ub2e4. RBI\uc758 \uacac\ud574\ub294 \uc18c\ube44\uc790 \ub300\ucd9c\uc774 \uc591\ud638\ud558\uae30\ub294 \ud558\uc9c0\ub9cc \uc2dc\uc2a4\ud15c\uc801 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\ub824\uba74 \uacbd\uc81c\uc758 \uc804\ubc18\uc801\uc778 \uc131\uc7a5\uacfc \ubcf4\uc870\ub97c \ub9de\ucdb0\uc57c \ud55c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\ubd80\uc2e4 \ub300\ucd9c\uc744 \uc815\ub9ac\ud558\ub3c4\ub85d \ub300\ucd9c \uae30\uad00\uc5d0 \uac15\uc694\ud588\ub358 RBI\uc758 \uacfc\uac70 \uacbd\ud5d8\uc744 \uc5fc\ub450\uc5d0 \ub450\uc5b4\uc57c \ud558\ub418, RBI\uc758 \ud604\uc7ac \uc870\uce58\ub294 \uc8fc\uc758 \ub2e8\uacc4\ub85c \ubcfc \uc218 \uc788\ub2e4. \ubb38\uc81c\uac00 \ub420 \ub54c\uc5d0\ub9cc \uac1c\uc785\uc774 \uc774\ub8e8\uc5b4\uc9c8 \uac83\uc774\ub2e4. \uc18c\ube44\uc790 \uc9c0\ucd9c\uacfc \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\ub418 \uac10\uc2dc \uc5c5\ubb34\ub97c \uc911\uc810\uc5d0 \ub458 \uac83\uc774\uba70, \ubaa8\ub2c8\ud130\ub9c1\uc744 \ud1b5\ud574 \uc18d\ub3c4\ub97c \uad00\ub9ac\ud558\uaca0\ub2e4\ub294 \uc804\ub7b5\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc774\ub54c \uc9c0\ucd9c\uacfc \uc131\uc7a5\uc740 \uac74\uc804\uc131 \uae30\uc900\uc744 \ucda9\uc871\ud574\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p><span class=\"vantage-grey\"><em><strong>Sawant Singh\ubc0f Aditya Bhargava\ub294 Phoenix Legal\uc758 \ud30c\ud2b8\ub108\uc785\ub2c8\ub2e4.<\/strong><\/em><\/span><\/p>\n<section class=\"format-info\">\n<p style=\"text-align: justify;\"><strong><img class=\"aligncenter wp-image-112220\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2019\/10\/Phoenix-Legal-Logo.jpg\" alt=\"resolution\" width=\"260\" height=\"81\" \/>Phoenix Legal<\/strong><br \/>\nSecond Floor 254, Okhla Industrial<br \/>\nEstate Phase III<br \/>\nNew Delhi \u2013 110 020, India<br \/>\nVaswani Mansion, 3\/F<br \/>\n120 Dinshaw Vachha Road, Churchgate<br \/>\nMumbai \u2013 400 020, India<br \/>\n<strong>\uc5f0\ub77d\ucc98:<\/strong><br \/>\n\uc804\ud654:: +91 11 4983 0000<br \/>\n+91 22 4340 8500<br \/>\n\uc774\uba54\uc77c: <a href=\"mailto:delhi@phoenixlegal.in\">delhi@phoenixlegal.in<\/a><br \/>\n<a href=\"mailto:mumbai@phoenixlegal.in\">mumbai@phoenixlegal.in<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\uac1c\uc778 \ub300\ucd9c\uacfc \ubb34\ub2f4\ubcf4 \uc2e0\uc6a9 \ub300\ucd9c\uc758 \uae09\uaca9\ud55c \uc99d\uac00\ub85c \uc218\uac1c\uc6d4\uac04 \uacbd\uace0\uc758 \uc2e0\ud638\ub97c \ubc1b\uc740 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ud5a5\ud6c4 \ub354\uc6b1 \uac15\ub825\ud55c \uc870\uce58\ub97c \ucde8\ud560 \uac83\uc774\ub77c\uace0 \ubd84\uba85\ud788 \ubc1d\ud614\ub2e4. 2023\ub144 10\uc6d4 \ucd1d\uc7ac \uc131\uba85\uc11c\uc5d0\uc11c RBI\ub294 \uc740\ud589\uacfc \ube44\uc740\ud589 \uae08\uc735\ud68c\uc0ac(NBFC)\uc5d0 &#8220;\ub0b4\ubd80 \uac10\uc2dc \uba54\ucee4\ub2c8\uc998\uc744 \uac15\ud654\ud558\uace0 \uc704\ud5d8 \uc99d\uac00\ub97c \ud574\uacb0&#8221;\ud558\uace0 &#8220;\uc801\uc808\ud55c \ubcf4\ud638 \uc870\uce58\ub97c \ub9c8\ub828&#8221;\ud560 \uac83\uc744 \uad8c\uace0\ud588\ub2e4. \uc131\uba85\uc11c\ub294 \ub610\ud55c RBI\uac00 &#8220;\uae08\uc735 \uc548\uc815\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc801\uadf9\uc801\uc73c\ub85c \ud589\ub3d9\ud560 \uac83&#8221;\uc774\ub77c\uace0 \uacbd\uace0\ud588\ub2e4. RBI\uac00 \uc810\uc810 \uac15\ud654\ub418\uc5b4\uc628<\/p>\n","protected":false},"author":7425,"featured_media":459999,"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\uace0Aditya Bhargava, Phoenix Legal"},"categories":[8398,77915],"tags":[52168,52170,52169,141591,141616,141615,117866],"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=\"\uac1c\uc778 \ub300\ucd9c\uacfc \ubb34\ub2f4\ubcf4 \uc2e0\uc6a9 \ub300\ucd9c\uc758 \uae09\uaca9\ud55c \uc99d\uac00\ub85c \uc218\uac1c\uc6d4\uac04 \uacbd\uace0\uc758 \uc2e0\ud638\ub97c \ubc1b\uc740 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