Crimes can be done by the bank
as a corporation. The number of consumers who have been victimized. Though the bank has a
strategic role in
national economy. Crime is generally quite large corporate bank. Therefore,
it should be no protection
of criminal law, both to the
potential victim and real victims.
Under Law No. 7 of 1992,
later amended by
Act 10 of 1998, the corporation
is not a subject of criminal law. This
means that if the crime occurred in banking, the bank as a corporation is not criminally accountable. The concept of the Banking Act in line with the
concept of the Penal Code are
not familiar with the corporation as
the subject of criminal law. Banking Act can be
classified into legislation field
of administrative law that contains criminal sanctions.
If banks do not recognize the
normative corporate crime means no victims of
crime in banking caused by
corporate actions. There are three crimes that
have not regulated the Banking
Act. First, crimes
involving giving misleading
information to the public, especially prospective customers. Second, crimes involving
the practice of banks in the bank. Third,
the works that contain elements of corruption.
Thus, the Banking Act improved,
especially to protect
the interests of victims and the criminal responsibility of corporate bank. (hukumonline.
17 November 2011)