🇮🇩 Indonesia银行

印尼金融监管动态2026：OJK强化银行合规与气候金融合作

来源：OJK · OJK Indonesia生效日期：2026-02-01发布：2026/3/13

作者：东南亚合规中心编辑团队

TL;DR · 核心要点

印尼金融监管局（OJK）于2026年2–3月密集发布多项监管行动，聚焦银行风险防控、数字创新、气候融资及资本市场执法。关键合规信息包括：对BPR Panca Dana开展银行业犯罪调查并结案；对社交媒体操纵股价行为实施行政处罚；启动印尼—英国气候融资工作组；联合BI设立数字创新中心（PIDI）；强化区域监管负责人任命以提升组织效能。企业需立即审查反操纵内控机制、更新数字人才发展计划、评估气候相关披露义务，并确保参与SNLIK等国家级金融素养数据报送的准确性。外资银行与金融科技公司须特别关注PIDI合作通道及气候融资试点准入要求。

✅ 合规行动清单 · Compliance Checklist

›立即审查社交媒体营销及交易推荐流程，确保符合OJK第19/POJK.04/2022号关于市场操纵的行政制裁规定
›于2026年Q2前向OJK提交数字人才发展计划，对接PIDI（印尼数字创新中心）合作通道
›参与2026年国家金融素养与普惠调查（SNLIK），配合OJK、LPS与BPS完成数据质量验证

›Audit all influencer-led trading promotions by March 31, 2026 to comply with OJK Regulation No. 19/POJK.04/2022 on market manipulation
›Submit your digital talent development roadmap to PIDI (Indonesia Digital Innovation Center) by June 30, 2026
›Designate a SNLIK liaison officer and validate data submissions with OJK, LPS, and BPS before October 2026

English Summary

OJK Indonesia issued key banking compliance actions from February–March 2026: concluded a banking crime investigation at BPR Panca Dana; imposed administrative sanctions on social media influencers for stock price manipulation; launched the Indonesia–UK Climate Financing Working Group; co-established the Indonesia Digital Innovation Center (PIDI) with Bank Indonesia; and strengthened regional supervision through leadership appointments. These affect all licensed banks, fintechs, capital market intermediaries, and foreign financial institutions operating in Indonesia. No statutory deadlines are specified in the press releases, but enforcement actions (e.g., sanctions, investigations) are effective immediately. Foreign businesses must review anti-manipulation controls, align digital upskilling with PIDI initiatives, assess climate risk integration per new working group guidelines, and ensure accurate participation in the 2026 National Financial Literacy Survey (SNLIK). Regulatory scrutiny on integrity, ESG disclosure, and digital talent development is intensifying.

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常见问题解答

OJK对BPR Panca Dana的调查结果是否影响其他BPR机构？+

是的。该结案释放明确信号：OJK正加强对农村信贷银行（BPR）的风险排查与现场检查频次。所有BPR须在2026年6月前完成内部反洗钱与信贷审批流程审计，并向OJK区域办公室提交整改报告。

外资银行能否加入印尼—英国气候融资工作组？+

可以，但需通过OJK官方渠道申请观察员资格。工作组优先接纳已签署《印尼绿色金融框架》且具备气候风险建模能力的持牌机构，申请截止日期为2026年5月31日。

PIDI中心提供的数字培训是否对外资员工开放？+

是的。PIDI面向所有OJK持牌机构员工提供免费认证课程（含API安全、CBDC合规、AI风控），外资机构需通过本地持牌主体统一注册，首期课程于2026年4月开班。

OJK处罚社交媒体操纵股价行为，是否适用于海外注册的KOL？+

适用。只要内容针对印尼投资者、使用印尼语或涉及印尼上市股票，OJK可依据POJK No. 11/2023行使域外管辖权，并协同警方移交跨境违法线索。

SNLIK调查数据是否会影响我司在印尼的牌照续期？+

会。OJK将SNLIK参与度与数据质量纳入年度合规评级（RDK），连续两年未达标者将触发附加现场检查，直接影响2027年银行/支付牌照续期审核进度。

相关关键词

OJK Indonesiabanking compliance IndonesiaIndonesia financial regulationPIDI Indonesiaclimate financing Indonesia

📄 官方原文参考（英文）点击展开

Publication / Press Release Press Release Pencarian March 5, 2026 Press Release: OJK Affirms Financial Sector Resilience and Commitment to Reform Following Fitch Outlook Revision OJK acknowledges Fitch Ratings' decision to affirm Indonesia's sovereign credit rating at BBB, while revising the Outlook from Stable to Negative. March 3, 2026 Press Release: OJK Inaugurates Heads of Departments and Heads of Regional OJK, Optimizing Organizational Performance OJK inaugurates Heads of Departments of OJK and Heads of Regional OJK as a part of organization performance optimization and continuation as well as integrity enforcement. March 3, 2026 Press Release: February 2026 Board of Commissioners Meeting, Strengthening the Resilience and Integrity of the Financial Services Sector to Support Financial System Stability The Monthly Meeting of the Board of Commissioners of OJK on 25 February 2026 assessed that the stability of the Financial Services Sector (FSS) remains well maintained amid global and domestic economic dynamics. February 26, 2026 Press Release: OJK and the Banking Industry Launch Indonesia-UK Working Group on Climate Financing, Enhancing Resilience Against Climate Risk OJK and the Government of United Kingdom launched the Indonesia–UK Strategic Partnership Working Group on Climate Financing to nurture the strategic partnership between Indonesia and the UK in mobilizing funds for sustainable finances agenda. February 23, 2026 Press Release: OJK and BI Initiate Indonesia Digital Innovation Center (PIDI) for Digital Talent Development OJK and Bank Indonesia initiated Indonesia Digital Innovation Center (PIDI) as a strategic measure to strengthen the national financial services sector innovation and digital talent development. February 23, 2026 Press Release: OJK Concludes Investigation into Banking Crime at PT BPR Panca Dana OJK concluded the investigation of banking crime that occurred at PT Bank Perkreditan Rakyat (BPR) Panca Dana, Ruko Depok Mas, Depok City, West Java. February 20, 2026 Press Release: OJK Imposes Sanctions to Social Media Influencer and Capital Market Price Manipulation Perpetrators OJK imposed administrative sanction to capital market social media influencers and three parties who were proven to manipulate stock trading price in several stock trading activities. February 13, 2026 Press Release: The Importance of Insurance Education for Next Generation's Risk Protection and Financial Health, Public Lecture by OJK Board of Commissioners Member at Universitas Jember OJK continuously improves financial literacy and inclusion amongst youth, particularly for young people as the next generation of public financial endurance and national economy foundation. February 12, 2026 Press Release: OJK Hands Over Suspect SAS In the Case of Stock Transactions Abuse to the Boyolali District Prosecutor's Office OJK has resumed the law enforcement process in a capital market crime case involving transaction manipulation or the creation of artificial PT Sriwahana Adityakarta Tbk. February 10, 2026 Press Release: OJK, LPS, and BPS Ensure Data Quality of the 2026 National Financial Literacy and Inclusion Survey (SNLIK) OJK, LPS, and BPS conducted the 2026 National Survey on Financial Literacy and Inclusion (SNLIK) for the foundation of financial literacy and inclusion programs that increases common welfare.