URGENSI PENGATURAN HUKUM CENTRAL BANK DIGITAL CURRENCY DALAM DIMENSI ANTI PENCUCIAN UANG

Go Lisanawati, Erly Aristo
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Abstract

The issue of digitalized forms of payment systems has required adjustment from a State to accomodate and respond. One of the issues is concerning the use of virtual currencies, and Central Bank Digital Currency. It requires the accomodative and responsive of the law instruments in Indonesia to arrange that issue. The payment systems’ policy in Indonesia has not placed any issues of crypto/digital currency as one of the payment methods. Central Bank Digital Currency is a the digital form of fiat money. Through the Bank Indonesia Regulation Number 18/40/PBI/2016 concerning Operation of Payments Transaction Processing, and Bank Indonesia Regulation Number 19/12/PBI/2017 concerning the Implementation of Financial Technology, it can be understood that Indonesia remain bans the use of any virtual currency as payment instruments. Central Bank Digital Currency has different form of virtual currencies which are not issued by the state, but it is remain called as virtual currencies. In fact, the use of virtual currencies has been exploited by money launderer to do laundering. Virtual currencies has no underlying asset or responsible authority or administrator, volatile, risky, and speculative. This article is a normative legal research method that will analyzed the direction in which Indonesian Law can headed Central Bank Digital Currency while the option has become more less for not response it.  The result of this research has showed that it is urgently need for Bank Indonesia (as a central bank in Indonesia) to recognise Central Bank Digital Currency as payment’s instrument.
中央银行数字货币政策的当务之急是反洗钱
数字化支付系统形式的问题需要一个国家进行调整,以适应和应对。其中一个问题是关于虚拟货币和中央银行数字货币的使用。它需要印度尼西亚法律文书的通融和回应来安排这一问题。印尼的支付系统政策没有将任何加密/数字货币问题作为支付方式之一。中央银行数字货币是法定货币的数字形式。通过2016年第18/40/PBI/2016号印尼银行关于支付交易处理操作的条例和2017年第19/12/PBI/2017号印尼银行有关金融技术实施的条例,可以理解,印尼仍然禁止使用任何虚拟货币作为支付工具。央行数字货币有不同形式的虚拟货币,这些货币不是由国家发行的,但仍被称为虚拟货币。事实上,洗钱者利用虚拟货币进行洗钱。虚拟货币没有基础资产,也没有负责任的权力或管理者,具有波动性、风险性和投机性。本文是一种规范性的法律研究方法,将分析印尼法律可以引导中央银行数字货币的方向,而不回应的选择变得越来越少。研究结果表明,印尼银行(作为印尼的中央银行)迫切需要承认中央银行数字币为支付工具。
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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