Rabu, 05 Januari 2011

banking


History Banking

activities and banking history began in the know since the days of Babylon, then continue to grow until the time of Ancient Greece and Rome. Then banking activities continue to grow until the European mainland, until eventually expanded to western Asia brought by European traders, and continues to grow until this banking activity spread across the world, especially European colonies.
At first started banking activities of currency exchange services, so that in the history of banking in the familiar sense of the bank as a place to exchange money tables, where the activities of money changers are now known to the merchants of foreign currency (money changer).
In a further development of banking activities to develop longer a day-care money, which is now known as the activities of deposit (savings). Banking activities increased again as a place to borrow money. Banking activities continue to grow along with the development community, where banks are no longer merely as a place to change money or a place to save and borrow money. Until finally the existence of banks is affecting the economic development of society, to the state level, and even international level.
·         In Indonesia alone, the banking history begins with the entry through VOC Dutch colonialists. The banks in existence at this time include:

1. De Javasche NV

2. De Post Paar Bank

3. De Algemevolks Crediet Bank

4. NederlandHandles Maatscappij (NHM)

5. Handle Nationale Bank

6. De Escompto Bank NV

·         While the banks that founded and owned by indigenous people. China, Japan, and other Europeans are as follows:

1. National Bank Indonesia

2. gray Merchant bank

3. Boemi Bank NV

4. The Charteredbank of India

5. The Yokohama Species Bank

6. The Matsui Bank

7. The Bank of China

8. Bank Batavia

                        Understanding Banks

According to Law No. 10 of 1998 dated 10 November 1998 on Banking, which meant the bank was "a business entity which collects funds from the public in the form of savings and channel them to the community in the form of credit and / or other forms in order to improve the living standard many people. "
Based on the above understanding, the bank is a company engaged in the financial sector, meaning thatbanking activities are always associated in the field of finance.

 
Principle, Function, and Purpose of the Indonesian Banking

Under Law No. 10 of 1998 on Banking, Indonesian banks in conducting their business is based on economic democracy by using the principle of prudence. Economic Democracy itself is carried out based on Pancasilaand 1945 Constitution.

Based on the principle used in banking, the goal is to support the implementation of Indonesia's bankingnational development in order to improve the distribution of development and hasilhasilnya, economic growthand national stability towards improving the welfare of the people.

Under Law no. 10 of 1998, the function of banks in Indonesia are:

a. As a place to collect funds from the Bank in charge of securing the money savings and time deposits anddeposits in a checking account or current account.

The function of the bank's main function.

b. As a supplier of funds or bank lenders provide loans for people in need, especially for productive efforts.

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