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Deposit guarantee evaluation and incentives analysis in a mutual guarantee system
Journal of Banking & Finance, 2009Abstract This paper analyzes how the deposit guarantee value affects the risk incentives in a mutual guarantee system. We liken the guarantee’s value to that of a European-style contingent claims portfolio. The main feature emerging from our model is that a mutual guarantee system would give banks an adverse incentive to increase riskiness.
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Financial Crises and Deposit Guarantee [PDF]
Bankruptcies of major credit institutions in the UK and the U.S., since late 2007, have generated a large-scale financial crisis that affected most countries of the world economy significantly. To limit the effects of the crisis and restore confidence in the banking system, states have taken various measures, including providing substantial loans to ...
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The rationing credit guarantee model with the increment and the deposit guarantee
2007 IEEE International Conference on Grey Systems and Intelligent Services, 2007According to the meaning of the credit guarantee, the paper figures out that the rationing credit guarantee should consider both the uncertainty and the deposit guarantee. It establishes the rationing credit guarantee model on the basis of the existing credit risk model.
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Bank Deposit Guarantee System in Poland
Eastern European Economics, 1997In the legal systems of most European countries, the regulations defining the term "deposit of credit institution" are included in the Civil Code or in the Banking Law. In most cases, those regulations only indicate what sums of money can be described as deposits.
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