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Ada Pertanyaan? Hubungi Kami Anne Aprina Priskila, Fathan Qorib
In the middle of heated debate about the Draft Bill on Banking, Bank Indonesia (BI) has suggested incorporating a self-healing mechanism known as a “bail-in” policy for banking institutions experiencing critical difficulties.Deputy Governor Halim Alamsyah is proposing the bail-in mechanism in case of aneconomic crisis hitting the banking sector. A bail-in policy requires a bank’s owner to provide funds in order to overcome losses at a time of crisis. This policy aims to prevent systemic impacts of an individual crisis spreading to other banks.
Given this mechanism is widely accepted as a global practice, Mr. Alamsyah supports a bail-in policy as a precursor to a bail-out to rescue a collapsing bank.
"If the internal funds are not sufficient, subsequently the government may interfere to help," said Mr. Alamsyah.
Mr. Alamsyah further noted that the bail-out mechanism, under which the government provides funds to a collapsing bank, is an antiquated approach and no longer favorable in common practice.
Supporting this approach, economic pundit Fuad Bawazier says that the bail-in policy was previously been put forward under a Draft Government Regulation during his term as the Minister of Finance. However, he explained that at that time the provision was rejected.
Lawmakers, on the other hand, are still in the process of collecting opinions on the Draft Bill. Gus Irawan Pasaribu, Chairman of the Banking Draft Bill’s Working Committee, affirming that his team has made two visits to Makassar and Surabaya to procure necessary input from grass-root actors and communities.
It is hoped that the Draft Bill, which covers several main issues such as foreign ownership, reciprocity, and power distribution between BI and the Financial Services Authority (OJK) concerning banking supervision, can be issued by year’s end as it is prioritized under the 2015 National Legislation Program.
(hot/kc)
Anne Aprina Priskila, Fathan Qorib
In the middle of heated debate about the Draft Bill on Banking, Bank Indonesia (BI) has suggested incorporating a self-healing mechanism known as a “bail-in” policy for banking institutions experiencing critical difficulties.Deputy Governor Halim Alamsyah is proposing the bail-in mechanism in case of aneconomic crisis hitting the banking sector. A bail-in policy requires a bank’s owner to provide funds in order to overcome losses at a time of crisis. This policy aims to prevent systemic impacts of an individual crisis spreading to other banks.
Given this mechanism is widely accepted as a global practice, Mr. Alamsyah supports a bail-in policy as a precursor to a bail-out to rescue a collapsing bank.
"If the internal funds are not sufficient, subsequently the government may interfere to help," said Mr. Alamsyah.
Mr. Alamsyah further noted that the bail-out mechanism, under which the government provides funds to a collapsing bank, is an antiquated approach and no longer favorable in common practice.
Supporting this approach, economic pundit Fuad Bawazier says that the bail-in policy was previously been put forward under a Draft Government Regulation during his term as the Minister of Finance. However, he explained that at that time the provision was rejected.
Lawmakers, on the other hand, are still in the process of collecting opinions on the Draft Bill. Gus Irawan Pasaribu, Chairman of the Banking Draft Bill’s Working Committee, affirming that his team has made two visits to Makassar and Surabaya to procure necessary input from grass-root actors and communities.
It is hoped that the Draft Bill, which covers several main issues such as foreign ownership, reciprocity, and power distribution between BI and the Financial Services Authority (OJK) concerning banking supervision, can be issued by year’s end as it is prioritized under the 2015 National Legislation Program.
(hot/kc)