Problematika Regulasi Lembaga Penjamin Simpanan Dalam Program Penjaminan Simpanan Nasabah Bank Digital

Aluf Ra'syiah Rabah, Kharista Dewi Antisha Shakeab
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Abstract

LPS, which functions to guarantee bank customer deposits, often faces various challenges, especially with the existence of digital banks. This research discusses two matters. First, what challenges will the digital bank face in relation to the LPS guarantee program. Second, efforts can be made to answer these challenges. This is a type of normative research using a statutory research approach. The research process carried out by the author resulted in an answer that the current LPS program and regulations have not been able to accommodate the legal certainty of deposit guarantees for digital bank customers, including competition in digital bank interest rates exceeding the LPS guarantee interest, regulations that have not fully accommodated the needs of digital banks and the risk of attacks in cybercrime. This legal uncertainty will certainly pose quite a big risk considering that the rapid growth of digital banks is currently not matched by the certainty of obtaining deposit guarantees. Referring to the research results, the author suggests that LPS create deposit guarantee claim regulations that are not only suitable for traditional banks, but also for digital banks. Such as the legality of proof of electronic savings, digital bank compliance in providing interest to customers and other policies that can be made by LPS and OJK as well as forming regulations regarding the use of AI in the banking and financial sector.
存款保险公司在数字银行客户存款担保计划中的监管问题
LPS 具有为银行客户存款提供担保的功能,但经常面临各种挑战,尤其是在数字银行存在的情况下。本研究将讨论两个问题。第一,数字银行将面临哪些与 LPS 担保计划相关的挑战。第二,如何努力应对这些挑战。这是一种采用法定研究方法的规范研究。笔者在研究过程中得出的答案是,现行的《存款保障计划》方案和法规还不能适应数字银行客户存款保障的法律确定性,包括数字银行利率超过《存款保障计划》保障利息的竞争、法规没有完全适应数字银行的需求以及网络犯罪的攻击风险等。考虑到目前数字银行的快速发展与获得存款担保的确定性不相匹配,这种法律上的不确定性肯定会带来相当大的风险。根据研究结果,作者建议《存款保障法》制定不仅适用于传统银行,也适用于数字银行的存款担保索赔法规。如电子储蓄证明的合法性、数字银行向客户提供利息的合规性等政策,可由 LPS 和 OJK 制定,并形成有关在银行和金融领域使用人工智能的规定。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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