CONCEPT OF SYNDICATED LOAN AGREEMENT BASED ON ECONOMIC DEMOCRACY FOR MICRO,SMALL AND MEDIUM ENTERPRISES （MSMES） IN INDONESIA

The banking institutions play an important role in providing development funds through one of their efforts such as syndicate loan. Syndicated loan is given only for large companies, because the loan value which is given from some banks to one debtor, higher than Legal Lending Limit. Economic democracy will give the priority to public welfare not to individual prosperity. Society value in economic life is justice. Article 2 of Law No. 10 of 1998 for banking which gives the clear explanation that Indonesian banking do their business based on economic democracy by using prudential principle. The definition of economic democracy is giving the greatest opportunities to all people to enjoy an increase in prosperity from bank functions, collector and distributor of public funds. As well as in syndicated loans, economic democracy principles should apply to all public, micro, small, medium and large enterprises to enjoy the loan syndication in order to improve all public welfare.     

从领导干部流动速率看干部制度建设

流动速率指干部在政治层级中的晋升速度,流动速率高的干部未来发展潜力更大。本研究使用市委书记上任年龄和所辖城市性质来衡量流动速率,结合干部人事制度的变化对流动速率与干部群体特征变量之间相关性进行分析。随着《党政领导干部选拔任用工作条例》等制度出台,当前流动速率高的市委书记群体教育水平更高、轮岗经历丰富,但在基层经历方面存在不足。目前我国面向基层导向的干部培养和选拔方式有助于对这一问题进行弥补。