RBI-Regulated P2P Lending: Banks aur Regulators Kyun Ye Naye Credit Trend Par Nazar Rakhe Hue Hain
मुख्य बातें
- •RBI 2017 se P2P lending platforms ko regulate kar raha hai as NBFC-P2P entities, jismein mandatory registration aur exposure limits ka compliance zaroori hai.
- •RBI individual lender ki exposure ko cap karta hai ₹50 lakh tak aur borrower ki exposure per platform ko ₹50,000 tak credit risk ko mitigate karne ke liye.
- •P2P lending underserved segments ko target karta hai lekin RBI ke mandate tak credit bureau integration nahi thi, jab tak RBI ne CIBIL aur Equifax ko loan data report karna zaroori nahi kiya.
- •Banks P2P growth ko monitor kar rahe hain due to competitive pressure aur rising loan defaults, despite regulatory safeguards.
- •Sector ka projection hai ₹1 lakh crore tak 2025 tak, jo systemic risk aur borrower over-indebtedness ke concerns ko raise karta hai.
Peer-to-peer (P2P) lending India ke financial landscape mein ek disruptive force ban gaya hai. Yeh individuals aur small businesses ko traditional bank loans ka alternative provide karta hai. Conventional banking ke opposite, P2P platforms borrowers ko directly individual lenders se connect karte hain through digital marketplaces. Isse faster disbursements hote hain aur investors ko higher returns milne ki possibility hoti hai. Lekin is model ne Reserve Bank of India (RBI) aur commercial banks ka dhyaan khich liya hai, jo iski rapid growth par nazar rakhe hue hain due to concerns over credit risk, fraud, aur systemic stability.