RBI ne commercial banks ke liye naye 'Market Risk' rules announce kar diye hain. April 1, 2027 se sabhi banks ko Basel III standards ke hisaab se zyada capital maintain karna padega.
RBI ka naya order kya hai?
RBI ne 'Minimum Capital Requirements for Market Risk' ke liye final guidelines release kar di hain. Ye rules April 1, 2027 se poore tarike se laagu ho jayenge. Iska main maqsad Indian banking sector ko global Basel III standards ke barabar lana hai.
Kya badlega banking sector mein?
Ab tak banks apne assets ko trading aur banking books ke beech shift karke capital optimization kar lete the, lekin naye rules ke baad ye loophole band ho jayega. RBI ne Simplified Standardised Approach (SSA) mandate kiya hai. Iska matlab hai ki banks ko ab apne trading book ke risks ke liye pehle se zyada capital apne paas rakhna hoga.
Investors ke liye kya impact hai?
Jin banks ke paas bade trading desks hain, ya phir jo zyada equity aur derivatives mein involve hain, unke liye 'cost of doing business' badh jayegi. Isse unke return on capital par pressure aa sakta hai. Saath hi, agar koi investment fund daily NAV disclosure nahi deta, toh us par aur bhi strict capital charges lagenge.
Banks April 2024 se hi is transition ke liye taiyari kar rahe hain, lekin ab final deadline kareeb hai. Iska asar banks ke overall profit margins aur investment strategy par padna tay hai.