印度储备银行（RBI）在取消了 Paytm Payments Bank 的银行牌照后，已将其从“受监管银行”的名单中移除，这标志着这家陷入困境的金融机构的清算进程又向前迈进了一步。
The Reserve Bank has removed Paytm Payments Bank from the list of scheduled banks following cancellation of its banking licence, formally excluding the lender from the Second Schedule of the RBI Act, 1934. The Reserve Bank of India (RBI) has formally removed Paytm Payments Bank Ltd (PPBL) from the list of scheduled banks following cancellation of its banking licence, marking another step in the wind-down of the troubled lender.
印度储备银行在一份声明中表示：“Paytm Payments Bank Limited 已被从《1934年印度储备银行法》的第二附表中移除。”
“Paytm Payments Bank Limited has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934,” the central bank said in a statement. The notification was issued on July 31 and subsequently published in the Gazette of India in September.
该通知于7月31日发布，并于9月正式刊登在《印度政府公报》上。该法律的第二附表列出了所有被印度储备银行认定为“受监管银行”的金融机构。
The Second Schedule of the RBI Act contains the list of banks recognised as scheduled banks by the central bank. The move follows the RBI’s cancellation of PPBL’s banking licence in April over non-compliance with regulatory norms.
此次行动源于印度储备银行于4月以该公司违反监管规定为由取消了其银行牌照。此前，印度储备银行曾指出该银行的运营方式严重损害了银行自身及其存款人的利益。
The central bank had said the affairs of the bank were being conducted in a manner detrimental to the interests of the bank as well as its depositors. From supervisory action to licence cancellation PPBL had faced regulatory action well before the cancellation of its licence.
早在牌照被取消之前，Paytm Payments Bank 就已多次面临监管机构的处罚：2022年3月，印度储备银行以“存在重大监管问题”为由禁止该银行新增客户；同年1月和2月，又进一步限制了该银行的业务活动，包括禁止其接受新的存款、贷款、充值服务，以及禁止使用预付费工具和钱包。
In March 2022, the RBI barred the bank from onboarding new customers amid what it described as “material supervisory concerns” and directed it to appoint an IT audit firm for a comprehensive audit of its systems. The RBI subsequently imposed further business restrictions in January and February 2024, including a bar on accepting further deposits, credits or top-ups in customer accounts, prepaid instruments and wallets.
最新进展发生在德里高等法院下令清算 Paytm Payments Bank 之后。
The latest development comes after the Delhi High Court ordered the winding up of Paytm Payments Bank.
Paytm Payments Bank 是由 Vijay Shekhar Sharma 创立的金融科技公司 Paytm 的子公司，由于多次违反监管规定，该公司一直处于严格的监管之下。
PPBL, an associate of Vijay Shekhar Sharma-promoted fintech company Paytm, had been under heightened regulatory scrutiny following repeated supervisory concerns and restrictions on its operations.
随着银行业牌照被吊销且该实体现已被从第二附表中除名，印度储备银行（RBI）的最新通知正式反映了该银行监管地位的改变。
With the banking licence cancelled and the entity now removed from the Second Schedule, the RBI’s latest notification formally reflects the bank’s changed regulatory status.