India needs more global-sized banks to achieve $5 trillion economy goal: CEA

首席经济顾问：为了实现5万亿美元经济体目标，印度需要更多全球百强银行

KOLKATA/NEW DELHI: Chief economic adviser K V Subramanian on Sunday said that India needs more global sized banks to help the country achieve $5 trillion economy by 2024-25.

加尔各答/新德里：印度首席经济顾问苏布兰马尼安周日表示，印度需要更多全球百强的银行，以助印度在2024-2025财年前实现5万亿美元经济体目标。

He rued the fact that India has only one bank in top 100 global bank list while a country much smaller in size has more such banks.

他感到遗憾的是，印度只有一家银行进入全球百强银行名单，而一个比印度小得多的国家却拥有更多这样的银行。

State Bank of India (SBI) at the 55th position is the only bank in the global top 100 list. has 18 banks while the US has 12 in the list.

排名第55位的印度国家银行(SBI)是唯一一家进入全球前100强的银行。有18家银行上榜，而美国有12家。

"India is the fifth largest economy in the world. So, if the Indian banking sector was proportional to the size of its economy, India should have been where South Korea is, which has six banks in the global top hundred. But in contrast, India has only one bank in the global top hundred," he said.

他说：“印度是世界第五大经济体。因此，如果印度的银行业与其经济规模成正比的话，印度应该达到韩国的水平，韩国有六家银行跻身全球百强。但相比之下，印度只有一家银行进入全球百强。”

Even countries that are a fraction of India's size for example Finland, Denmark, Belgium, Austria, Norway have at least one bank in the global top hundred, he said while delivering a lecture at the fifth anniversary event of Bandhan Bank.

他在Bandhan银行成立五周年纪念活动上发表演讲时表示，即便是规模仅相当于印度一小部分的国家，如芬兰、丹麦、比利时、奥地利和挪威，也至少有一家银行进入全球百强。

"If you take countries like Sweden and Singapore, Sweden is one-sixth the size of the economy, Singapore is one-eighth the size of the economy, they have three banks in the global top hundred," he said.

他说:“以瑞典和新加坡这样的国家为例，瑞典经济规模是印度的六分之一，新加坡是印度经济规模的八分之一，但他们各有三家银行进入全球百强。”

Subramanian said that "like cricketer M S Dhoni who had shown the country how to win in the foreign shores, the Indian banking system also needs to scale up to global standards".

苏布兰马尼安表示，“就像板球运动员M S Dhoni展示了如何在海外取胜一样，印度的银行系统也需要向全球标准升级。”

"The Indian banking system needs to conquer the world. Rather being tigers at home, it should scale up its presence in the world rankings where is leading in terms of the number of banks, followed by the US," he said.

他说：“印度银行体系需要征服世界。不应满足于在国内当老大，还应提升自己在世界银行排行榜上的地位。就上榜银行数量而言，处于领先地位，其次是美国。”

That's what should now be the goal of the Indian banking sector, because India is not any more a small economy but the fifth largest economy in the world, he said.

他说:“这应该是印度银行业现在的目标，因为印度不再是一个小经济体，而是世界第五大经济体。”

"So, the basic point I'm trying to make here is that now in order for India to become a $5 trillion economy, the banking sector needs to be proportional at least proportional to the size of its economy, if not bigger than the proportionality," he said.

“所以，我在这里想说的最基本的一点是，为了让印度成为一个5万亿美元的经济体，印度的银行业需要与经济规模成正比，至少要成正比，如果不能更大的话。”

In addition to global sized banks, the chief economic adviser said India needs more banks. For instance, he said the US, which is one third of India in terms of population, has 20 times more banks.

首席经济顾问表示，除了全球百强银行之外，印度还需要更多的银行。他表示，例如，人口只有印度三分之一的美国，银行数量是印度的20倍。

More banks will enhance competition in banking and bring down the cost for consumers, he said.

他说，更多的银行将增加银行业的竞争，降低消费者的成本。

Laying emphasis on adoption of technology, he said there is also a need to focus more on data analytics, artificial intelligence and machine learning as banking has become more technology driven.

他强调了采用技术，他表示，随着银行业越来越受技术驱动，也有必要更多地关注数据分析、人工智能和机器学习。

Citing a study, Subramanian said technology can play a key role in both scale, and quality of lending.

苏布兰马尼安援引一项研究称，技术在贷款规模和质量方面都发挥着关键作用。

By investing in data analytics and technology, it is possible to actually defeat the nefarious designs of wilful defaulters by using proper data, because there are enough leading indicators available, he added.

他补充说，通过对数据分析和技术的投资，我们有可能通过使用正确的数据，挫败那些故意违约者的邪恶图谋，因为有足够的领先指标可用。

以下是印度时报读者的评论：

译文来源：三泰虎 http://www.santaihu.com/p/50665.html   译者：Jessica.Wu

Maisnam Keshorjit

Sell yes bank

出售Yes Bank

Jagdip Vaishnav

But Global sized Bank must be out of Political control. [2]Govt should not go on instructing Banks to disburse interest free loan, loan to certain industry , Govt should not go on instructing RBI for a rate cut. [3]Interest free loan has spike number of Bad loans

但这种规模的银行必须摆脱政治控制。政府不能再指示银行支付无息贷款，贷款给某些行业，政府不能继续指示印度储备银行降息。无息贷款导致不良贷款激增

Ajit Vadakayil

NONSENSE...

胡说八道…

Swamy K

Dr Subramanian, are you saying 'bigger the better' and too big to fail? first of all, let the banks fix their fundamentals. they are saddled with too much NPAs. it's OK if the banks are not big at the international standards.

苏布兰马尼安博士，你是说“这类银行的规模越大越好”，“大到不会倒”吗?首先，让银行修复它们的基本面。他们背负着太多的不良资产。按国际标准衡量，这些银行的规模不大也没关系。

Doshi Jenisha

Stop distributing free loans from banks to big industrialists as they are freely moving out of country with peoples hard earned money from banks.

让银行停止向大实业家发放免费贷款，他们正带着人钱离开这个国家。

Gaga Gamer

Global sized banks = Global sized NPAs.....

全球百强银行=全球不良资产百强…

Abcd

India needs more entrepreneurs. Banks can only lend money. But if the business idea is not good or the business is not run properly, then the same loan turns into a NPA. India has seen a drought of good business ideas. Very few good new companies have come up after 2008.

印度需要更多的企业家。银行只能借钱。但如果经营理念不佳或经营不善，那么同样的贷款就会变成不良资产。印度缺乏好的商业理念，2008年之后，很少有好的新公司出现。

Sashidharan Nagarajan

Good thought.....honest statement, come out of bubbles fellow indians, population without money will be mopped like croaches aas world grows dense......be very careful and agressive with future...

好想法…从泡沫中走出来，印度同胞们，随着世界人口越来越多，没有钱的人会像蟑螂一样被消灭，未来要小心，也要有进取心……

Bharat Expansion

Not more banks. More banks will be more chaos and we can never compete with Chin!

不需要更多银行了。银行多了会更混乱，我们永远无法与竞争!

Vijhay Prashaanth

open a new bank IBI international bank of india...

开一家新银行：国际印度银行（IBI）…

Anis Shaikh

All banks are sick in your rule and about to call, so stop this rubbish

所有的银行都对你制定的规则感到厌恶，都准备打电话给你，所以别再胡扯了

Rahul Kulkarni

we must now forget $5 trillion now..not even close by 2024

我们必须忘了5万亿美元经济体目标，到2024年都无法接近这个目标

Niladri Mantena

What India needs to achieve the targets are these: honest political leaders, free of corruption and committed to wi out corruption with immediate effect. Without this, the country will remain backward forever. When is that going to happen? Soon? Never?

要实现这些目标，印度需要的是:诚实的政治领导人，廉洁的政治领导人，致力于立即消除腐败。少了这个，国家将永远落后。