Improving Japan's Financial System, with Emphasis on Reforming the Postal Savings Business

2003 ◽  
Vol 2 (1) ◽  
pp. 172-183 ◽  
Author(s):  
Yuri Okina
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Financial System ◽  
Safety Net ◽  
Real Sector ◽  
Deposit Insurance System ◽  
Wide Range ◽  
The Government ◽  
Run Up ◽  
Adequate Supervision

The crisis facing Japan's banking sector has been attributed to a wide range of factors: (1) the run-up and collapse of the bubble; (2) a lack of adequate supervision of financial institutions by the government; (3) the stagnation of the economy, because the Japanese growth model is no longer relevant; and (4) bad management of the banks. It is important to reform corporate governance in the real sector, not merely in the financial sector. It should also be recognized that Japan's financial system should reduce the size of the safety net provided by the government not only through the deposit insurance system, but also through the enormous postal savings business.

Akibat Hukum Pada Pemisahan Simpanan Dari Nasabah Bank Saat Likuidasi Untuk Memperoleh Jaminan Dari Lembaga Penjamin Simpanan

2021 ◽  
Vol 7 (2) ◽  
pp. 128-145
Author(s):  
Reka Dewantara ◽  
Mahandhani Wahyu Ibrahim
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Legal Research ◽  
Analysis Technique ◽  
Banking Stability ◽  
The Government ◽  
The Right ◽  
Economic Crimes ◽  
Interpretation Method ◽  
Legal Consequences

Abstrak. Penelitian dalam artikel ini menjelaskan tentang adanya celah hukum yang terkait dengan kontrak penjaminan simpanan LPS terhadap syarat dan ketentuan penjaminan simpanan nasabah. Praktiknya perilaku pemecahan dana simpanan belum ada aturan lebih lanjut, sehingga muncul pertanyaan apa akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS. Artikel ini adalah penelitian hukum dengan memakai pendekatan perundang – undangan dan pendekatan kasus. Teknik analisis memakai metode interpretasi gramatikal dan sistematis. hasil penelitian ini, penulis berpendapat pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminanan dari LPS adalah tindakan nasabah yang diuntungkan secara tidak wajar, sesuai pasal 19 ayat (1) huruf b Undang Undang tentang LPS dan terdapat unsur pidana penipuan, tindak pidana di bidang perbankan, dan tindak pidana ekonomi. Akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS, yaitu hak nasabah (nasabah yang tidak melakukan tindak pemecahan dana simpanan untuk mendapatkan penjaminan dari LPS ) untuk mendapat penjaminan simpanan secara adil, hak LPS untuk tidak melakukan (omission) membayarkan penjaminan simpanan nasabah yang melakukan pemecahan dana simpanan, dan hak pemerintah untuk melakukan (commission) menjaga stabilitas perbankan dari tindakan pemecahan dana simpanan oleh nasabah dengan tujuan dijaminkan simpanannya. Abstract. The research in this article describes the existence of legal loopholes related to the LPS deposit guarantee contract against the terms and conditions of customer deposit insurance. In practice, there is no further regulation on the behavior of splitting deposit funds, so the question arises what are the legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS. This article is a legal research using a statutory approach and a case approach. The analysis technique uses a grammatical and systematic interpretation method. the results of this study, the authors argue that the breakdown of deposit funds by BDL customers to obtain guarantees from LPS is an act of customers who benefit unreasonably, according to article 19 paragraph (1) letter b of the Law on IDIC and there is an element of criminal fraud, criminal acts in the banking sector , and economic crimes. The legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS, namely the right of customers (customers who do not perform the act of splitting their deposit funds to obtain guarantees from LPS) to obtain a fair deposit guarantee, the right of LPS not to (omission) to pay deposit guarantees customers who split their deposit funds, and the right of the government to undertake (commission) to maintain banking stability from the act of splitting their deposit funds by customers with the aim of securing their deposits.

Nigerian banks will struggle to repeat 2017 results

2018 ◽  
Keyword(s):  
Small Businesses ◽  
Banking Sector ◽  
Oil And Gas ◽  
National Elections ◽  
Treasury Bills ◽  
Content Type ◽  
Balance Sheets ◽  
Domestic Debt ◽  
The Government ◽  
Run Up

Subject Nigerian banking sector. Significance Some of Nigeria’s largest banks made significant profits in 2017 despite the country’s recession, benefitting mainly from high-yielding Nigerian Treasury Bills. This is unlikely to be repeated this year, with yields falling as the government replaces expensive domestic debt with cheaper Eurobonds, and banks attempt to shore up their balance sheets. Higher oil prices will help this process, yet many smaller banks are struggling to replicate their larger rivals' success. Impacts A restructuring of telecommunications company 9Mobile’s loan would benefit banks' non-performing loan numbers. Any uptick in Niger Delta insecurity could negatively impact banks, as most have significant loans with the upstream oil and gas sector. The CBN may issue more loans via commercial banks to small businesses and farmers in the run-up to next year's national elections.

scholarly journals SISTEM PENJAMINAN SIMPANAN (DEPOSIT INSURANCE SYSTEM) PADA INDUSTRI PERBANKAN INDONESIA

2019 ◽  
Vol 1 (2) ◽  
pp. 77-90
Author(s):  
Sjafruddin Sjafruddin
Keyword(s):  
Deposit Insurance ◽  
Insurance Premium ◽  
Bank Risk ◽  
Contagion Effect ◽  
Insurance System ◽  
Guarantee System ◽  
Deposit Insurance System ◽  
The Government ◽  
Public Costs ◽  
The Impact

Banking plays a very important role in the economy along with its function to channel funds from parties who have excess funds (surplus of funds) to those who need funds (lack of funds). If the banking industry does not work well, the economy will become inefficient and the expected economic growth will not be achieved. The risks that are always inherent in the financial and banking sectors, can trigger a crisis at any time and result in a collapse of the country's economy. To overcome the impact of the crisis, the government must pay quite large public costs. This article analyzes several important concepts, namely bank risk and the contagion effect, the operation of a deposit guarantee system that has been implemented in various countries after a financial crisis and how the deposit guarantee program is implemented in Indonesia. The results show that the Deposit Insurance System (DIS) can be implemented through law enforcement system, market discipline, political and economic freedom, low levels of corruption, strict regulations inbanking sector, setting an adequate deposit insurance premium based on the level of bank risk , and selective deposit guarantees. Keywords: Deposit Insurance System,Indonesia Deposit Insurance Corporation, Risk   Abstrak Perbankan memegang peran yang sangat penting dalan perekonoman seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana (surplus of funds) kepada pihak-pihak yang membutuhkan dana (lack of funds). Apabila industri perbankan tidak bekerja dengan baik, maka perekonomian menjadi tidak efisien dan pertumbuhan ekonomi yang diharapkan tidak akan tercapai. Risiko yang selalu melekat dalam sektor keuangan dan perbankan, dapat memicu terjadinya krisis sewaktu-waktu dan berakibat lumpuhnya ekonomi negara. Untuk menanggulangi dampak krisis tersebut, pemerintah harus mengeluarkan biaya publik cukup besar. Artikel ini menganalisis beberapa konsep penting, yaitu risiko bank dan  efek penularan (Contagion Effect),penyelenggaraan sistem penjaminan simpanan yang telah di implementasikan berbagai negara setelah terjadi krisis keuangan dan bagaimana implementasi program penjaminan simpanan di Indonesia.Hasilnya menunjukkan bahwaDeposit Insurance System (DIS) dapat diimplementasikan melalui sistem penegakan hukum yang kuat, disiplin pasar, kebebasan politik dan ekonomi, tingkat korupsi yang rendah, regulasi khususnya di bidang perbankan yang kuat, penetapan premi penjaminan simpanan yang memadai dan berdasarkan tingkat risiko bank, serta pemberian jaminan simpanan yang selektif. Kata Kunci:Deposit Insurance System, Lembaga Penjamin Simpanan, Risiko

scholarly journals Bank Specific and Macroeconomic Determinants of Commercial Bank Performance in Bangladesh

2021 ◽  
Vol 10 (2) ◽  
pp. 115-130
Author(s):  
Shakila Zerin Bony
Keyword(s):  
Commercial Bank ◽  
Audit Committee ◽  
Positive Relationship ◽  
Banking Sector ◽  
Management Policy ◽  
Bank Performance ◽  
Macroeconomic Factors ◽  
Wide Range ◽  
The Government ◽  
Macroeconomic Determinants

The main purpose of this study is to examine the impacts of bank-specific and macroeconomic factors on the commercial bank performance measures (ROA, NIM, and ROE in this case) in Bangladesh. The study identifies bank-specific characteristics and macroeconomic determinants of performance in Bangladesh’s banking sector over the years 2009 to 2018. The study uses relevant data from a sample of 10 commercial banks in Bangladesh. The determinants are identified by using correlation and regression analysis. This finding serves as an indicator that the bank-specific and macroeconomic variables selected for this study provide a better description of ROA rather than net interest margin (NIM) and ROE. Among all the bank-specific determinants board size, audit committee meetings, and foreign ownership have a positive relationship with the bank’s performance. Specifically, inflation and GDP are observed to have a positive relationship with bank performance. The findings of this research can be of great help to a wide range of entities such as academicians, bankers, the government, students, and investors. This study can be helpful to bank management by providing valuable information thus assisting in the construction of efficient management policy decisions in order to ensure higher profits.

scholarly journals Real Deposit Insurance Coverage: An International Study

2011 ◽  
Vol 25 (3) ◽  
Author(s):  
Marieta Velikova ◽  
Kevin Rogers
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Insurance Coverage ◽  
International Study ◽  
Political Rights ◽  
Political Factors ◽  
Insurance System ◽  
Deposit Insurance System ◽  
Political Economic ◽  
The Impact

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="font-size: 10pt;"><span style="font-family: Times New Roman;">Recently several countries have implemented explicit deposit insurance systems. In most countries the adoption of an explicit deposit insurance system followed a banking crisis. This paper examines the impact of demographic, social, and political factors on the presence of an explicit deposit insurance system in a country. Moreover, for a subset of countries with explicit deposit insurance system we try to identify demographic, political, economic, and financial factors that affect the level of deposit insurance coverage. The findings suggest that life expectancy and political rights are related to whether an explicit deposit insurance system is in place or not. For countries with explicit deposit insurance systems the level of income, the importance of the banking sector within the financial system, and the development of domestic banking sector have a significant impact on the level of deposit insurance coverage level. The level of income, deposit money bank assets to GDP ratio, bank overhead costs to total assets ratio, presence of co-insurance, and type of administration are statistically significant in explaining differences in the level of coverage among countries. </span></span></p>

scholarly journals The essence of the Bank Guarantee Fund’s activity and related dilemmas in the context of banking system stability

2018 ◽  
Vol 21 (5) ◽  
pp. 121-130
Author(s):  
Iwona Dorota Czechowska
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Banking System ◽  
Safety Net ◽  
Economic Transformation ◽  
System Stability ◽  
Main Task ◽  
Difficult Situation ◽  
Guarantee System ◽  
The Usa

The deposit guarantee system in Poland was devised at the time of the economic transformation. Its creation resulted from a difficult situation in the banking sector, and so it was meant to be an antidote to clients’ problems associated with the insolvency of collapsing banks and with adjusting to European community law. The aim of this work is to present the Bank Guarantee Fund—an institution that is part of the financial safety net, whose main task is to protect the interest of depositors and to ensure the banking system’s stability. The paper looks at some aspects of the growing interest in bank deposit insurance schemes and lively discussions on the subject during a crisis in banking markets. In response to the crisis that started in the subprime lending market in the USA and spread to other segments of the financial markets as well as to other countries, the ECOFIN made a decision to increase the existing guarantee limits for individual persons and to speed up the payout of guaranteed funds. The above changes were aimed at strengthening the security of clients and increasing confidence in the banking sector.

Analisis Respon Perbankan atas Dana Repatriasi Program Pengampunan Pajak

2017 ◽  
Vol 2 (3) ◽  
pp. 81-99
Author(s):  
Petter Ibnu Christianto
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Financial System ◽  
Risk Profile ◽  
Third Party ◽  
System Stability ◽  
Tax Base ◽  
Vector Autoregressive ◽  
Tax Amnesty ◽  
The Government

Tax Amnesty Program initiated by the government from 2016 to 2017, showed quite encouraging results. Big asset declaration could increase the future tax base, and asset repatriation is also expected to encourage the growth of the economy in the short term. Incoming repatriation funds, as a result of tax amnesty, are expected to have an impact on the financial system, particularly in the banking sector to add liquidity or third party funds (DPK). The research attempts to show the response of banks in the event of an increase in liquidity in the financial system and how government policies and monetary authorities maintain financial system stability after tax amnesty programs or when liquidity fluctuations in the financial system occur. The dynamic linkage of bank indicators is modeled by the Panel-Vector-Autoregressive (p-VAR) framework. The results of the analysis of the bank's response showed that liquidity changes or liquidity fluctuations in the financial system does not significantly affect to Risk Profile indicators, Profitability indicators, Capital Indicators in the banking system. This conditions shows that the financial system, especially the banking system, has a strong fundamental to reduce the liquidity turmoil in the financial system. Abstrak Program Pengampunan Pajak yang dilaksanakan pemerintah mulai tahun 2016 sampai dengan 2017 menunjukkan hasil yang cukup menggembirakan. Deklarasi aset yang cukup besar dapat meningkatkan basis pajak di masa yang akan datang. Repatriasi aset diharapkan juga mampu mendorong tumbuhnya perekonomian dalam jangka pendek. Dana repatriasi yang masuk sebagai hasil program pengampunan pajak diharapkan memberikan dampak terhadap sistem keuangan, terutama terhadap sektor perbankan sebagai tambahan likuiditas atau dana pihak ketiga (DPK). Kajian ini mencoba menunjukan respon dari perbankan apabila terjadi pertambahan likuiditas dalam sistem keuangan dan bagaimana kebijakan pemerintah dan otoritas moneter dalam mempertahankan stabilitas sistem keuangan paska program pengampunan pajak atau saat terjadi gejolak likuiditas dalam sistem keuangan. Keterkaitan dinamis antar indikator-indikator bank dimodelkan dalam kerangka Panel-Vector-Autoregressive (p-VAR). Analisis terhadap respon perbankan dalam penelitian ini menunjukkan bahwa perubahan likuiditas atau gejolak likuiditas dalam sistem keuangan tidak terlalu berpengaruh terhadap indikator Profil Risiko (Risk Profile), indikator rentabilitas/profitabilitas (Profitability), Indikator permodalan (Capital) dalam sistem perbankan. Hal tersebut menunjukkan bahwa sistem keuangan terutama sistem perbankan mempunyai fundamental yang kuat untuk meredam gejolak likuiditas dalam sistem keuangan.

Formal and Informal Financial Channels in China

2013 ◽  
Vol 05 (03) ◽  
pp. 38-48
Author(s):  
Lihong WANG
Keyword(s):  
Financial Market ◽  
Significant Role ◽  
Deposit Insurance ◽  
Financial System ◽  
Legal Protection ◽  
Financial Risks ◽  
State Sector ◽  
Insurance System ◽  
Financing Channels ◽  
Deposit Insurance System

China has achieved remarkable growth despite weak legal protection of investors and an underdeveloped financial system. Other financing channels have played a significant role in the growth of the non-state sector. However, informal financial organisations do not have mechanisms that guard against financial risks and lack a reserve and deposit insurance system. Recent measures seem inadequate in accelerating the development of China's financial market. More and bolder reforms are needed.

scholarly journals Perspectives of the financial stability protection and banking risk prevention

2021 ◽  
Vol 14 (3) ◽  
pp. 109-126
Author(s):  
Miroslav Čavlin ◽  
Jelena Vapa-Tankosić ◽  
Srđan Egić
Keyword(s):  
Financial Stability ◽  
Deposit Insurance ◽  
Financial System ◽  
Risk Prevention ◽  
Financial Security ◽  
Insurance System ◽  
Deposit Insurance System ◽  
The Republic ◽  
The Stability ◽  
Security Network

The deposit insurance system is the backbone of the protective mechanism of the financial security network, which enables the prevention of a "stampede" of depositors on banks in order to prevent a negative effect on the stability of the financial system. Therefore, especially in the event of a crisis, such as the pandemic caused by COVID-19, the protection of financial stability and depositors emphasizes the importance and role of efficient organization of the deposit insurance system. The paper starts from the analysis of the concept of a financial security network in order to create a relevant basis for modeling the directions of development of the system of financial stability protection and risk prevention of banking operations. The aim of the paper is to conduct a research into the theoretical and empirical findings in order to identify the potential for a more effective deposit insurance system in the Republic of Serbia. An efficient deposit insurance system in the Republic of Serbia should provide support and protection for depositors, most of whom do not possess the necessary knowledge which can help them assess banking risks, i.e. risks of financial failure and crisis. The development of our deposit insurance system should be aimed at strengthening the stability of the financial system and banking operations, i.e. its resilience to crisis disturbances on the market.

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