KEBIJAKAN KEPEMILIKAN TUNGGAL PERBANKAN DI INDONESIA DITINJAU DARI TEORI KEPENTINGAN DALAM REGULASI EKONOMI

Indonesia yang sehat dan kuat guna meningkatkan skala ekonomis dari Bank di Indonesia dan peningkatan efektivitas pengawasan Bank secara terkonsolidasi. Dalam penulisan ini akan dibahas mengenai kebijakan kepemilikan tunggal pada perbankan di Indonesia yang diatur berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 39/POJK.03/2017, yang menitikberatkan pada pembentukan Bank Holding Company (BHC). Penulisan ini menggunakan metode penelitian yuridis normatif yang artinya bahan penelitian yang digunakan adalah data sekunder yang terdiri dari bahan-bahan hukum yang mengikat seperti ketentuan peraturan perundang-undangan maupun hasil karya penelitian hukum. Penelitian ini akan menjelaskan bagaimana relevansi antara teori kepentingan dalam regulasi ekonomi sebagaimana dikemukakan oleh Barry M. Mitnick dengan kebijakan kepemilikan tunggal pada perbankan di Indonesia berdasarkan POJK tersebut.Kata Kunci: Kepemilikan Tunggal, Bank Holding Company (BHC), Fungsi Holding.

Concentrated Evolution of Global Banking and Develo- pment Strategy Adjustment of China’s Banking

According to the studies based on the British magazine The Banker and the data of the central banks of the United States, Japan, and Britain, in the 1990s and the first decade of the 21st century, the trend of global concentration of banking and country concentration were obvious. Although the concentration trend of banking has slowed since the international financial crisis, it is still running at a high level, which has changed the competitive environment and landscape of global banking. The development trend of global banking and the banking of traditional financial powers is from deconcentration to concentration. Different from it, the development trend of China’s banking is obviously from concentration to deconcentration. In order to promote the implementation of the internationalization strategy of China’s banking, we should make adjustments to the financial system in terms of maintaining the relative concentration of banking, piloting the bank holding company system, and encouraging mainstream banks to expand overseas business.

Banks’ Vulnerability and Financial Openness across Central and Eastern Europe

This paper investigates the impact of the degree of capital account openness on banks’ exposure to extreme events during the period 2005-2012 using a sample of financial institutions from Central and Eastern Europe. The empirical output highlights a positive and strongly significant impact of a higher degree of financial openness on banks’ systemic vulnerability. Robust findings suggest that this harmful effect is lower for foreign owned banks or for those whose bank holding company signed one or more Vienna Initiative commitment letters. On the other side, tighter capital regulations and private monitoring policies enhance the positive impact of a higher degree of capital accounts openness on banks’ vulnerability to systemic events.