印度尼西亚数字银行重新评估其成立:模式、概念和监管

Reka Dewantara, Hany Ayunda Mernisi Sitorus
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引用次数: 1

摘要

金融服务管理局预计将向数字化(银行5.0)迈进,发布了关于商业银行的第12/POJK.03/2021号条例。然而,它的覆盖范围是有限的。它只涉及如何建立和管理现有银行的数字分行的规则。目前还没有建立数字商业银行或新银行的特别安排。本文讨论了在印度尼西亚建立数字银行的可能性。通过仔细阅读现行法律法规,并重新评估现有法律法规,作者得出结论,《银行法》应该进行修改,以适应这一新趋势。现行的OJK法规显然不足以作为建立和运营银行Ied模式、电信Ied模式或混合模式或新银行数字系统的法律基础。此外,还需要在网上解决争端和实施制裁方面作出充分安排。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
RE-EVALUASI PENDIRIAN BANK DIGITAL DI INDONESIA: PARADIGMA, KONSEP DAN REGULASI
The Financial Services Authority, anticipating the movement towards digital (bank 5.0), issued Regulation no. 12/POJK.03/2021 concerning Commercial Banks. However, its coverage is limited. It covers only rules on how to establish and manage digital branches of existing banks. Not yet available are special arrangements for the establishment of digital commercial banks or neo-banks. This paper discusses the possibility of establishing digital banks in Indonesia. By perusing the prevailing laws and regulations, and re-evaluate what exist, the author reached the conclusion that the Bank Law should be changed to accommodate this new trend. The prevailing OJK regulation apparently does not suffice as the legal basis for the establishment and operation of digital system of the Bank-Ied model, the Telco-Ied Model or the Hybrid Model, or neo-bank. In addition, adequate arrangements are needed regarding online dispute resolution, and imposition of sanctions.
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