Results 211 to 220 of about 9,561 (262)

Funding Deposit Insurance

SSRN Electronic Journal, 2022
We present a quantitative model of deposit insurance. We characterize the policymaker's optimal choices of coverage for depositors and premiums raised from banks. Premiums contribute to a deposit insurance fund that lowers taxpayers' resolution cost of bank failures.
Dick Oosthuizen, Ryan Zalla
openaire   +2 more sources

Deposit Insurance

2019
Deposit insurance is intended for providing security to depositors from the standpoint of averting bank runs. It is crucial for nations to examine their institutional environment, banking structure, and regulatory framework before insuring deposits in the interest of maintaining market discipline.
Sushma Nayak, Abhishek Behl, Aastha Behl
openaire   +3 more sources

Deposit insurance [PDF]

open access: possible, 1997
Should deposit insurance be recommended? No. History teaches us three lessons: 1) deposit insurance was not adopted primarily to protect the depositor. There were many ways to increase the soundness of the banking system. The leading alternative was to allow branching and the diversification of institutions by geography and product line.
openaire   +1 more source

Competition for Deposits, Fragility, and Insurance

Journal of Financial Intermediation, 1996
The research reported in this paper has been supported by the Fundacio´n Banco Bilbao Vizcaya. Further partial support has been provided by the Spanish Ministry of Education through CICYT Grant PB 93-0679.
Matutes, Carmen, Vives, Xavier
openaire   +2 more sources

Deposit insurance and international bank deposits [PDF]

open access: possible, 2002
This paper examines how international depositors respond to national deposit insurance policies. Countries with explicit deposit insurance are found to be relatively attractive to international non-bank depositors. Deposit schemes characterized by co-insurance, a private administration, and a low deposit insurance premium appear to be particularly ...
Huizinga Harry, Nicodeme Gaetan
openaire   +2 more sources

Deposit insurance and risk taking

Oxford Review of Economic Policy, 2011
We review the theory of deposit insurance, highlighting the underlying assumptions that were not satisfied during the recent financial crisis and that may have led to serious policy mistakes. In theoretical models, deposit insurance is mostly seen as an equilibrium selection device to avoid panic-based runs. In such a context, it is not drawn on and is
Allen, Franklin   +2 more
openaire   +3 more sources

Deposit Insurance in a Deregulated Environment

The Journal of Finance, 1984
THE UNITED STATES has had a federal deposit insurance system for half a century. This system has been an unparalleled success in the sense that it has virtually eliminated "runs" on financial intermediaries. However, the deregulation legislation of 1980 and 1982, as well as the market forces which spawned this legislation, have raised serious questions
Campbell, Tim S, Glenn, David
openaire   +1 more source

Deposit Insurance and Regulatory Forbearance: Are Caps on Insured Deposits Optimal?

Journal of Money, Credit and Banking, 1994
CONSIDERABLE ACADEMIC AND PUBLIC POLICY attention has been focused on the deposit insurance contract and, in particular, its mispriced deposit insurance premium. This has resulted in a burgeoning literature on the optimal pricing of deposit insurance guarantees [see Merton (1977, 1978), Pyle (1983), Ronn and Verma (1986), Acharya and Dreyfus (1989 ...
Dreyfus, Jean-Francois   +2 more
openaire   +1 more source

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