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2 implementing monetary policy, 3 organization that had a role in assist economic growth and equity; in order to create a sound banking system, both the
banking system as a whole or individually, and is able to maintain the interest of the public good, growing naturally and benefit the national economy Manurung
and Rahardja, 2004: 56. The function and role of commercial banks in the economy is very
important and strategic. Commercial banks are very important in terms sustain the strength and smoothness of the payment system and the effectiveness of monetary
policy. The functions of commercial banks as described below shows the importance of the commercial banks in the modern economy: 1 the creation of
money, 2 support the smooth payment mechanism, 3 fund deposits, 4 support the smooth international transactions, 5 storage of goods and securities, 6 the
provision of other services Manurung and Rahardja, 2004: 78.
b. Purposes of Banking Services
Bank service is very important in the economic development of a country. Banking services are generally divided into two purposes. First, bank as a
provider payment mechanism and an efficient tool for customers. For this, the bank provides cash, savings, and credit cards. This is the banks most important
role in economic life. Without the provision of efficient means of payment, then goods can only be traded by barter time consuming.
Second, by accepting savings from customers and loan to those who needs funds, means that banks increase the flow of funds for investment and more
productive uses. If this role goes well, the economy of a country will increase.
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Without the flow of these funds, the money just sitting in someones pocket, one cannot obtain loans and business cannot be built because they do not have the loan
funds.
c. The Relationship between Banks and Customers
The relationship between banks and customers is based on two elements that are closely related, the law and the trust. A bank can only do activities and
develop the bank, if people believe to put their money in the banking products that exist in the bank. Based on the public trust, banks can mobilize funds from
the public, to be placed on the bank and the bank will provide banking services. Ronny Bako, 1995:32
According to Usman 2003 in “Aspek-Aspek Hukum Perbankan Indonesia
”, there are two important principles that bank must to do:
i. The Principle of Belief
The principle of belief is a principle which states that the business bank based on the relationship of trust between banks and customers. Bank works
primarily with funds from the public which kept him on the basis of trust, so that each bank need to continue to maintain their health while maintaining and
maintain public confidence in him. People will save some money in the bank, solely based on the belief that
the money will be earned back at the desired time or in accordance with the agreed and accompanied by rewards. If trust depositors of the bank have been
reduced, not a possibility would be a rush on funds deposit. Sutan Remy Sjahdeini
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stated that a relation between banks and depositors is the relationship borrowing and lending of money between the debtors banks and the lender the customer.
ii. Principle of Confidentiality
The principle of confidentiality is a principle that requires or requires
banks keep everything connected with financial and other than in the ordinary bank customers banking world shall be kept confidential. Confidentiality is to
interests own bank because the bank requires trust people who save their money in banks. In article 40 of the Law banking states that banks are required to keep
information about your customers and their savings. secrecy provisions The bank can be waived if certain namely, to purposes of taxation, settlement bank
accounts, criminal justice, a civil case between the bank and its customers, exchange Among bank information on request, approval or authorization from
depositors.
2. Theory of Stylistics and Language of Advertising
