Istilah “Second Floor Bank” ini sebenarnya tidak familiar digunakan di dunia, karena masing-masing negara punya penyebutan khusus untuk merujuk pada second floor bank ini. Secara harfiah, second floor bank bisa diartikan sebagai bank lapis kedua atau second tier bank, dengan lapisan pertama adalah bank-bank komersil yang dapat kita jumpai secara umum, contohnya saja seperti bank BCA, Mandiri, BNI, Danamon, Permata, Citibank, HSBC, dan lain sebagainya.
Secara garis besar, dapat kita rangkum kebijakan bank lapis kedua dibuat untuk mendukung bank lapisan pertama dalam memberikan kontribusi bagi pertumbuhan ekonomi dan lapangan kerja dengan progam-program khusus seperti:
- Dukungan pembiayaan terhadap usaha mikro, kecil dan menengah UMKM dengan penyediaan kredit murah kepada produsen di daerah-daerah terpencil yang notabene sangat susah mendapatkan pembiayaan usaha, pembiayaan perumahan murah khususnya bagi keluarga berpengahasilan rendah.
- Pembiayaan pada sektor-sektor yang dapat memberikan dampak signifikan pada peningkatan lapangan pekerjaan dan bagaimana cara mengurangi pengangguran.
- Sebagai perantara swasta dalam meningkatkan pembiayaan melalui kordinasi terpadu dengan entitas publik lainnya yang berusaha melayani populasi sasaran yang sama untuk memanfaatkan sumber daya publik secara efisien.
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