摘要：The application of standard contracts in bank credit agreements
have triggered many legal issues in questions. In banking practice, each
bank provides a form of credit agreement that has been prepared in
advance. The type of agreements known as standard agreements. Using
standard agreement is often problematic. Problems encountered in the
standard agreements are the validity of the standard agreements and the
making of clauses or provisions which are unreasonably burdensome to the
parties, especially the debtor, which is called the exoneration clause. The
existing credit agreements in Indonesian banking system are so diverse,
means there is no uniformity. Each bank produce or prepare its own rules
with certain clauses that may impair the customers. There is a need for a
legislation that regulates credit matters and it is expected that it contains
rights and obligations of the parties in preparing the agreement.
其他摘要：The application of standard contracts in bank credit agreements have triggered many legal issues in questions. In banking practice, each bank provides a form of credit agreement that has been prepared in advance. The type of agreements known as standard agreements. Using standard agreement is often problematic. Problems encountered in the standard agreements are the validity of the standard agreements and the making of clauses or provisions which are unreasonably burdensome to the parties, especially the debtor, which is called the exoneration clause. The existing credit agreements in Indonesian banking system are so diverse, means there is no uniformity. Each bank produce or prepare its own rules with certain clauses that may impair the customers. There is a need for a legislation that regulates credit matters and it is expected that it contains rights and obligations of the parties in preparing the agreement.
