{"id":407747,"date":"2023-07-13T11:14:10","date_gmt":"2023-07-13T03:14:10","guid":{"rendered":"https:\/\/beta2.law.asia\/?p=407747"},"modified":"2023-07-13T11:15:39","modified_gmt":"2023-07-13T03:15:39","slug":"rbi-draft-circular-penal-charges-loans","status":"publish","type":"post","link":"https:\/\/beta2.law.asia\/zh-hans\/rbi-draft-circular-penal-charges-loans\/","title":{"rendered":"\u5370\u5ea6\u592e\u884c\u6539\u9769\u63d0\u6848\u7684\u63a8\u52a8\u56e0\u7d20\u662f\u60e9\u6212\u800c\u975e\u83b7\u5229"},"content":{"rendered":"<p style=\"text-align: justify;\"><span class=\"custom-dropcap-orange vantage-orange\">\u5370<\/span>\u5ea6\u50a8\u5907\u94f6\u884c\uff08\u5370\u5ea6\u592e\u884c\uff092023\u5e742\u6708\u53d1\u5e03\u300a\u53d1\u5c55\u548c\u76d1\u7ba1\u653f\u7b56\u58f0\u660e\u300b\uff0c\u6307\u51fa\u901a\u8fc7\u76d1\u7763\u5ba1\u67e5\u53d1\u73b0\u53d7\u76d1\u7ba1\u5b9e\u4f53\uff08RE\uff09\u4e4b\u95f4\u505a\u6cd5\u4e0d\u4e00\uff0c\u5e76\u4e14\u8fc7\u5ea6\u6536\u53d6\u7f5a\u606f\uff0c\u5bfc\u81f4\u5ba2\u6237\u4e0d\u6ee1\u3002\u58f0\u660e\u8fd8\u6307\u51fa\uff0c\u7f5a\u606f\u7684\u76ee\u7684\u5e94\u8be5\u662f\u901a\u8fc7\u201c\u8d1f\u9762\u6fc0\u52b1\u201d\u704c\u8f93\u4fe1\u7528\u60e9\u6212\uff0c\u800c\u4e0d\u80fd\u5c06\u7f5a\u606f\u4f5c\u4e3a\u201c\u589e\u6536\u5de5\u5177\u201d\u3002\u58f0\u660e\u786e\u8ba4\uff0c\u5982\u679c\u501f\u6b3e\u4eba\u5ef6\u8fdf\u8fd8\u6b3e\u6216\u4e0d\u8fd8\u6b3e\uff0c\u6216\u4e0d\u9075\u5b88\u8d37\u6b3e\u5408\u540c\u7684\u91cd\u8981\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u53ef\u4ee5\u901a\u8fc7\u900f\u660e\u3001\u5408\u7406\u7684\u65b9\u5f0f\u6536\u53d6\u7f5a\u6b3e\uff0c\u4f46\u4e0d\u5f97\u5728\u7ea6\u5b9a\u7684\u5229\u7387\u4e0a\u589e\u52a0\u7f5a\u606f\u3002\u7f5a\u6b3e\u5e94\u5355\u72ec\u6536\u53d6\uff0c\u4e0d\u5f97\u8ba1\u5165\u672a\u507f\u8fd8\u672c\u91d1\uff0c\u5e76\u4e14\u4e0d\u5f97\u5c06\u5229\u606f\u8d44\u672c\u5316\u3002\u53d7\u76d1\u7ba1\u5b9e\u4f53\u53ef\u4ee5\u6839\u636e\u501f\u6b3e\u4eba\u7684\u98ce\u9669\u72b6\u51b5\u81ea\u7531\u8c03\u6574\u4fe1\u7528\u98ce\u9669\u6ea2\u4ef7\u3002<\/p>\n<figure id=\"attachment_294208\" aria-describedby=\"caption-attachment-294208\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-294209\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh.jpg\" alt=\"Sawant Singh\" width=\"200\" height=\"250\" srcset=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh.jpg 400w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh-240x300.jpg 240w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-294208\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong> <br \/>\u5408\u4f19\u4eba<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">\u58f0\u660e\u53d1\u8868\u540e\uff0c\u5370\u5ea6\u592e\u884c\u4e8e2023\u5e744\u6708\u53d1\u5e03\u5173\u4e8e\u8d37\u6b3e\u7f5a\u6b3e\u7684<a href=\"https:\/\/www.rbi.org.in\/Scripts\/bs_viewcontent.aspx?Id=4254\">\u901a\u77e5\u8349\u6848<\/a>\uff0c\u516c\u5f00\u5f81\u6c42\u610f\u89c1\u3002\u8349\u6848\u9762\u5411\u6240\u6709\u5546\u4e1a\u94f6\u884c\u548c\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8\u3002\u4e3a\u94f6\u884c\u548c\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8\u63d0\u4f9b\u76f8\u540c\u6307\u5f15\uff0c\u53ef\u4ee5\u6700\u5927\u9650\u5ea6\u5730\u51cf\u5c11\u76d1\u7ba1\u5957\u5229\uff0c\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u4e3e\u63aa\u3002<\/p>\n<p style=\"text-align: justify;\">\u53d7\u76d1\u7ba1\u5b9e\u4f53\u5fc5\u987b\u5236\u5b9a\u8d37\u6b3e\u7f5a\u6b3e\u653f\u7b56\uff0c\u5e76\u4e14\u5fc5\u987b\u7ecf\u5176\u8463\u4e8b\u4f1a\u6279\u51c6\u3002\u5fc5\u987b\u6839\u636e\u8d37\u6b3e\u5408\u540c\u7684\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u5728\u8d37\u6b3e\u5408\u540c\u7684\u5173\u952e\u4e8b\u5b9e\u58f0\u660e\u4e2d\u660e\u786e\u62ab\u9732\u8d37\u6b3e\u7f5a\u6b3e\u4ee5\u53ca\u5982\u4f55\u548c\u4f55\u65f6\u6536\u53d6\u8d37\u6b3e\u7f5a\u6b3e\u3002\u53d7\u76d1\u7ba1\u5b9e\u4f53\u8fd8\u5fc5\u987b\u5728\u5176\u7f51\u7ad9\u4e0a\u5173\u4e8e\u5229\u7387\u548c\u670d\u52a1\u8d39\u7684\u7279\u5b9a\u90e8\u5206\u5217\u51fa\u8d37\u6b3e\u7f5a\u6b3e\u3002\u5411\u501f\u6b3e\u4eba\u53d1\u51fa\u7684\u50ac\u6536\u51fd\u4e5f\u5fc5\u987b\u6307\u51fa\u9002\u7528\u7684\u7f5a\u6b3e\u3002<\/p>\n<p style=\"text-align: justify;\">\u6839\u636e\u901a\u77e5\u8349\u6848\uff0c\u7f5a\u6b3e\u91d1\u989d\u5fc5\u987b\u4e0e\u501f\u6b3e\u4eba\u4e0d\u5c65\u884c\u8fd8\u6b3e\u4e49\u52a1\u6216\u4e0d\u9075\u5b88\u8d37\u6b3e\u5408\u540c\u91cd\u8981\u6761\u6b3e\u548c\u6761\u4ef6\u7684\u4e25\u91cd\u7a0b\u5ea6\u76f8\u79f0\uff0c\u5e76\u4e14\u6709\u4e00\u5b9a\u7684\u95e8\u69db\u3002\u8fd9\u4e2a\u95e8\u69db\u7531\u53d7\u76d1\u7ba1\u5b9e\u4f53\u51b3\u5b9a\uff0c\u5e76\u4e14\u53d7\u76d1\u7ba1\u5b9e\u4f53\u4e0d\u5f97\u5728\u8d37\u6b3e\u548c\u4ea7\u54c1\u7c7b\u522b\u4e2d\u533a\u522b\u5bf9\u5f85\u501f\u6b3e\u4eba\u3002\u5bf9\u4e2a\u4eba\u501f\u6b3e\u4eba\u7684\u8d37\u6b3e\u6536\u53d6\u7684\u7f5a\u6b3e\uff0c\u9664\u5546\u4e1a\u7528\u9014\u7684\u8d37\u6b3e\u5916\uff0c\u4e0d\u5f97\u9ad8\u4e8e\u5bf9\u975e\u4e2a\u4eba\u501f\u6b3e\u4eba\u6536\u53d6\u7684\u7f5a\u6b3e\u3002<\/p>\n<figure id=\"attachment_294203\" aria-describedby=\"caption-attachment-294203\" style=\"width: 200px\" class=\"wp-caption alignleft\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-294204\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava.jpg\" alt=\"Aditya Bhargava\" width=\"200\" height=\"250\" srcset=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava.jpg 400w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-240x300.jpg 240w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Aditya_Bhargava-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-294203\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong> <br \/>\u5408\u4f19\u4eba<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p style=\"text-align: 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style=\"text-align: justify;\">\u5370\u5ea6\u592e\u884c\u53d1\u5e03\u901a\u77e5\u8349\u6848\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u4e3e\u63aa\uff0c\u5176\u5185\u5bb9\u53cd\u6620\u51fa\u5927\u5bb6\u666e\u904d\u8ba4\u8bc6\u5230\u91d1\u878d\u4e1a\u65e5\u8d8b\u6210\u719f\uff0c\u76d1\u7ba1\u548c\u589e\u957f\u4e0e\u5ba2\u6237\u4fdd\u62a4\u5fc5\u987b\u540c\u6b65\u3002\u8981\u6267\u884c\u901a\u77e5\u8349\u6848\uff0c\u53d7\u76d1\u7ba1\u5b9e\u4f53\u5fc5\u987b\u5728\u4e0e\u501f\u6b3e\u4eba\u7684\u5173\u7cfb\u4e2d\u66f4\u52a0\u79ef\u6781\u4e3b\u52a8\u3002\u8fd9\u5c06\u8981\u6c42\u53d7\u76d1\u7ba1\u5b9e\u4f53\u52a0\u5927\u5bf9\u76d1\u63a7\u7cfb\u7edf\u7684\u6295\u8d44\uff0c\u800c\u4e0d\u662f\u7b80\u5355\u5730\u5c06\u8fd9\u4e00\u6210\u672c\u8f6c\u5ac1\u7ed9\u501f\u6b3e\u4eba\u3002\u6b64\u65f6\uff0c\u53ef\u80fd\u9700\u8981\u5c06\u53d7\u76d1\u7ba1\u5b9e\u4f53\u7684\u91d1\u878d\u6280\u672f\u548c\u76d1\u7ba1\u673a\u6784\u7684\u5ba2\u6237\u4fdd\u62a4\u8981\u6c42\u76f8\u7ed3\u5408\uff0c\u4ee5\u4ea7\u751f\u4e00\u79cd\u5bf9\u6240\u6709\u4eba\u6709\u5229\u7684\u7ecf\u6d4e\u9ad8\u6548\u6a21\u5f0f\u3002<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><span style=\"color: #808080;\"><strong>Sawant Singh \u548c Aditya Bhargava\u662fPhoenix Legal\u5f8b\u5e08\u4e8b\u52a1\u6240\u5408\u4f19\u4eba<\/strong><\/span><\/p>\n<section class=\"format-info\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-300x109.jpg\" alt=\"Phoenix Legal\" width=\"300\" height=\"109\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>Phoenix Legal<\/strong><\/p>\n<p style=\"text-align: justify;\">Second Floor<br \/>\n254 Okhla Industrial<br \/>\nEstate Phase III<br \/>\nNew Delhi &#8211; 110 020 India<\/p>\n<p style=\"text-align: justify;\">Vaswani Mansion, 3\/F<\/p>\n<p style=\"text-align: justify;\">120 Dinshaw Vachha Road, Churchgate<\/p>\n<p style=\"text-align: justify;\">Mumbai \u2013 400 020, India<\/p>\n<p style=\"text-align: justify;\">\u7535\u8bdd\uff1a+91 11 4983 0000<\/p>\n<p style=\"text-align: justify;\">+91 22 4340 8500<\/p>\n<p style=\"text-align: justify;\">\u7535\u5b50\u4fe1\u7bb1\uff1adelhi@phoenixlegal.in<br \/>\nmumbai@phoenixlegal.in<br \/>\nWebsite<br \/>\n<a href=\"http:\/\/www.phoenixlegal.in\/\">www.phoenixlegal.in<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff08\u5370\u5ea6\u592e\u884c\uff092023\u5e742\u6708\u53d1\u5e03\u300a\u53d1\u5c55\u548c\u76d1\u7ba1\u653f\u7b56\u58f0\u660e\u300b\uff0c\u6307\u51fa\u901a\u8fc7\u76d1\u7763\u5ba1\u67e5\u53d1\u73b0\u53d7\u76d1\u7ba1\u5b9e\u4f53\uff08RE\uff09\u4e4b\u95f4\u505a<\/p>\n","protected":false},"author":18,"featured_media":398387,"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":""},"categories":[127116,127117],"tags":[52140,52141,52139,133739],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v17.8) - 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