Corporate Liability Of Banks For Failures In Implementing Green Banking Principles
銀行におけるグリーンバンキング原則の実施失敗に対する法人責任 (AI 翻訳)
R. Romadoni, Nursanti Mardiyati, Aisyah Nikita Permata Putri
🤖 gxceed AI 要約
日本語
本研究は、インドネシアの銀行がグリーンバンキング原則を実施しなかった場合の法的責任を分析する。OJK規制により原則はソフトローからハードローへ移行し、行政・民事・刑事の多面的責任が生じる。しかし、現行の責任メカニズムは断片的であり、規制の調和と融資審査における環境法監査の強化が必要である。
English
This normative legal research examines the liability of Indonesian banks for failing to implement green banking principles. It finds that these principles have become hard law via OJK regulations, exposing banks to administrative, civil, and criminal liabilities. The study highlights fragmented mechanisms and calls for regulatory harmonization and stricter environmental audits in credit distribution.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
インドネシアの文脈だが、日本でも金融庁の気候変動対応やSSBJ開示基準との関連で、金融機関の責任範囲は重要な論点となる。特に間接金融における貸し手責任の拡大は日本の銀行にも示唆を与える。
In the global GX context
While focused on Indonesia, the paper constructs a multidimensional liability framework for banks failing to implement green banking principles. This transition from soft to hard law mirrors global trends (EU CSDDD, Japan SSBJ). The integration of administrative, civil, and criminal liability offers a model for debates on lender liability in climate litigation.
👥 読者別の含意
🔬研究者:This paper provides a comprehensive legal analysis of bank liability for green banking failures, synthesizing administrative, civil, and criminal law dimensions within the Indonesian context.
🏢実務担当者:Corporate sustainability teams in banks can use this framework to understand potential liabilities from non-compliance with ESG requirements.
🏛政策担当者:Regulators can gain insights into regulatory gaps and the need for harmonized enforcement mechanisms to ensure effective implementation of green banking principles.
📄 Abstract（原文）
The global transition toward a low-carbon economy is driving the adoption of Green Central Banking to integrate environmental risks into financial stability. In Indonesia, the Sustainable Finance mandate requires banks to implement ESG (Environmental, Social, and Governance) principles; however, lending practices to “brown sectors” remain prevalent. This normative legal research analyzes the standing of these principles and maps the legal liability of banks through statutory and conceptual approaches. The results indicate that these principles have transformed from soft law into hard law through OJK (Financial Services Authority) regulations. Non-compliance gives rise to multidimensional liability: administrative via OJK sanctions; civil through the Lender Liability doctrine (Article 1365 of the Indonesian Civil Code) for negligence in due diligence; and criminal regarding involvement in environmental degradation and money laundering risks. The study concludes that current liability mechanisms remain fragmented. Harmonization of regulations and the tightening of environmental legal audit standards in credit distribution are essential to mitigate legal risks and ensure banking compliance with national sustainability targets. The novelty of this research lies in its construction of a unified, multidimensional liability framework—integrating administrative, civil, and criminal law dimensions—specifically within the Indonesian legal context, an analytical synthesis that existing sustainable finance literature in Indonesia has not yet comprehensively addressed. Unlike prior studies that examine OJK regulations or the Lender Liability doctrine in isolation, this research maps the normative intersections between the Banking Law, UU PPLH, and POJK 51/2017 to expose systemic gaps and propose concrete directions for legal harmonization.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.30649/ph.v26i1.629first seen 2026-05-26 05:05:53 · last seen 2026-05-27 05:05:04
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