印尼银行业改革、重组的最新进展与变化趋势分析

Studies on the Latest Achievements and Development Trend of Indonesian Banking Industry's Reform and Restructuring

印尼银行业经过10年的整顿与重组,在信用、存贷率、利润、资本充足比例等方面均大有改观,现又重现生机和活力。印尼银行业未来改革措施与发展趋势将以提高最低资本准备金,协助金融机构处理呆、坏账,以及实施新的银行存款保险制度为核心,进一步增强银行竞争力,维护金融秩序稳定。

After approximately a decade of restructuring since the financial crisis, the banking sector in Indonesia has showed great improvement in terms of trust, loan to deposit ratios （LDRs）, profit, as well as capital adequacy ratio （CAR）, indicating Indonesian banking industry has regained vigor and vitality. The further reform will focus on increasing the maximum capital requirement, helping financial institutions to cope with the bad credits and nonperforming loans （NPL）, and implementing the new deposit security system. These efforts are aimed at enhancing the competitiveness and maintaining the stability of banking system.