OverviewofFinancialProviderstoMSMEsinIndonesia印尼中小企业金融服务提供商概览IndonesiaBankingSectorsOverview印尼的银行体系概览Lessonlearned:1997/1998crisis1997/1998亚洲金融危机的教训Impactof2008CrisistoBankingsector,MSMEandIndonesianeconomy2008经济危机对银行业、中小企业以及印尼经济的影响RuralBankStrategyinRespondingtoGlobalFinancialCrisis应对全球金融危机的农村金融策略PolicyandRegulationtoLessenImpactofGlobalFinancialCrisis减轻全球金融危机影响的政策与措施PromotingBankingIntermediarytoMicrofinanceasanIntermediaryMilestonestoreachtheUnbankedPeople推动银行中介机构进行小额贷款，以覆盖无银行服务的群众INDONESIANBANKINGSECTOROVERVIEW印尼银行体系概述1997/1998crisis89Decreasingindomesticdemand国内需求下降SomeMacroEconomyTarget一些宏观经济目标SomeobstaclesofSMEs中小企业的一些障碍RURALBANKSSTRATEGYINRESPONDINGTOGLOBALFINANCIALCRISIS农村银行应对全球金融危机的策略POLICYINLESSENNINGIMPACTOFTHEGLOBALFINANCIALCRISISTOSMEs减少全球金融危机影响对中小企业影响的政策III.RegulationtoExpandcredittoMSME增加中小企业信用的措施ReducingRisk-weightedAssetsoncreditforMSME(e.g.ForCreditforthePeoplescheme,Housingloanandpersonalloan)CreditperformanceofloanuptoIDR1billion(USD50,000)isbasedonlyonpromptrepaymentofprincipaland/orinterestIV.DepositProtectionScheme储蓄保护措施IncreasethelimitofguaranteeddepositsinbanksfromRp100millionstoRp2billions将银行保险储蓄限制从Rp1亿增加到Rp20亿V.Interestrate利息率BIhasgraduallydecreasedthebenchmarkinterestrate(BIRate)from9.5%onNovember2008to7%onJune2009(250basepoints)印尼央行逐渐降低基准利率，从2008年11月的9.5%到2009年6月的7%（250基准数）PromotingBankingIntermediarytoMicrofinanceasanIntermediaryMilestonestoReachtheUnbankedPeople推动银行中介机构进行小额贷款，以覆盖无银行服务的群众The“Unbanked”无银行服务的群体ReinforcetheCompetitivenessandInstitutionalStructuresofRuralBanks加强农村银行的竞争力和机制建设PolicyandRegulationofFinancialInclusion金融包容性的政策措施TheRelationship:FIN,CIN,andDINFIN,CIN和DIN之间的关系EndofPresentation演讲结束ThankYou谢谢