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国际资讯监管与政策

印度普惠金融再现新动力

国际资讯监管与政策

印度普惠金融再现新动力

印度各省邦选举以及2019年大选即将到来。上周三,印度政府公布了一项重大社会福利决策,取消了普惠金融计划(PMJDY,又称国家普惠金融使命)的限制,致力于向每位成年居民提供银行账户。

除了取消限制外,8月28日以后开设的Jan Dhan账户还将享受Pradhan Mantri Suraksha Bima Yojana提供的高达20万卢比的保险。所有现有和新的Jan Dhan账户还将享受一万卢比的透支限额,是现有透支限额的两倍。此外,透支服务的客户人群年龄限制也从60岁提高到了65岁。

在内阁会议后的新闻发布会上,财政部长Arun Jaitley提到该计划非常成功,"是全球最大的普惠金融项目之一。对农村家庭来说非常有利,特别是女性,她们是这项计划最大的受益人群。"

PMJDY于2014年8月15日启动,是纳伦德拉·莫迪政府第一项重大举措。到目前为止,已开设3.241亿个账户,存款达到8120亿卢比。这些账户持有人中近53%是女性,59%来自农村和半农村区域。Jaitley表示有83%左右的Jan Dhan账户通过数字身份证开设。

政府的另一项决策是由联邦内阁批准建立与运营新七所印度管理研究所(IIM)的固定校区,预计总花费为377.542亿卢比。其中280.4亿卢比将用于校区建设,77.546亿卢比将作为运营花费。

七个校区分别位于阿姆利则、菩提伽耶、那格浦尔、森伯尔布尔、锡尔毛尔、维萨卡帕特南和查谟。

官方声明提到每所IIM占地60,384平方米,基础设施可容纳600名学生,每招收一名学生,研究所每年可获得50万卢比的"运营拨款",为期五年。"五年以后,这些研究所内部获取的资金应该能够满足自身运行和维护的花费。"

根据声明,固定校区应于2021年6月建成。届时,20所IIM将全部拥有自己的固定校区。

Heading into a series of state elections as well as the general election of 2019, the government took an important decision for social welfare on Wednesday by making the Pradhan Mantri Jan Dhan Yojana (PMJDY) an open-ended scheme. The scheme, also known as the National Mission on Financial Inclusion, will now aim to provide every adult in every household a bank account.

Not only has the scheme been made an open-ended one, but Jan Dhan accounts opened after August 28 will get the added benefit of higher insurance—of Rs 2 lakh—under the Pradhan Mantri Suraksha Bima Yojana. All existing and new Jan Dhan accounts will also benefit from an overdraft limit of Rs 10,000, which is twice the existing limit. Further, the age limit for availing of the overdraft facility has also been raised to 65 years from the existing 60.

Addressing a media briefing after the Cabinet meeting, finance minister Arun Jaitley said the scheme has been very successful. “It has been recognised globally as one of the largest financial inclusion programmes anywhere in the world. It has been a boon to rural households, especially women as they are the largest beneficiaries of this scheme,” he said.

The PMJDY was the Narendra Modi government’s first major mission and it was launched on August 15, 2014. So far, 324 million (32.41 crore) accounts have been opened with deposits worth Rs 81,200 crore. Nearly 53% of the account holders are women and 59% belong to the rural and semi-rural regions. Jaitley said that about 83% of the Jan Dhan accounts are seeded with Aadhaar.

In another decision, the Union Cabinet also approved the establishment and operationalisation of permanent campuses at seven new Indian Institutes of Management (IIMs). These will be at a total cost of Rs 3,775.42 crore. Of this, Rs 2,804 crore will be spent for construction of the permanent campuses, while Rs 775.46 crore will be classified as recurring expenditure.

The new campuses will come up at Amritsar, Bodh Gaya, Nagpur, Sambalpur, Sirmaur, Visakhapatnam, and Jammu.

Each IIM would be built on 60,384 sq. m. and have infrastructure for 600 students, an official statement said. It added that “recurring grants” to these institutes had been approved at Rs 5 lakh per student per year, for five years. “Thereafter, the institutes are expected to meet their running cost/maintenance cost from the internal generation of funds,” the statement said.

According to the statement, construction of the permanent campuses shall be completed by June 2021. With this, all the 20 IIMs will have their own permanent campuses.


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