Tag: Regulatory and Supervisory Frameworks

This paper seeks to understand the role of the Indian Central Bank in regulating information flows through Account Aggregators. These are licensed entities exclusively dedicated to collecting, retrieving and sharing customers’ financial information with other financial entities with the customers’ consent.

This post analyses the present regulations governing the restructuring of personal loans and their implications for the borrower’s credit score and her credit record

In this report, we analyse the payments bank (PB) model in terms of the performance of individual PBs in furthering the goal of financial inclusion placed on the payments bank model.

In this report we study the performance of the four fully operational Payments Bank

We discuss the need for a clear vision, rationale, and a roadmap to be placed by the RBI for how it sees the draft framework enable the development of this market. We also consider how RBI has made the choice between capital neutrality and capital relief through this framework and how the outcomes from such a choice can have an impact on how securitisation serves the efficient movement of risks within the banking system and also to investors outside the banking system.

In this series of columns, members of a drafting team on the Working Group report on Social Stock Exchange detail important recommendations.

The Social Stock Exchange is envisioned as the venue that will originate pertinent funding structures for NPOs. One of the main hurdles that non-profit organisations (NPOs) face in securing financing from a wide variety of sources is the lack of robust information about their activities. To mitigate this problem, the establishment of a Social Stock Exchange (SSE) will prompt all NPOs that access capital through it, to submit to a minimum reporting standard.

A common minimum reporting standard has been recommended for all fundraising activity through the proposed Social Stock Exchange.

Recently, the Reserve Bank of India has begun licensing a new kind of retail bank, called payments banks, for the hitherto financially excluded.

In their book, In Service of the Republic, Vijay Kelkar and Ajay Shah warn against distortions caused by the government and its entities being both player and umpire in various sectors .