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Deposit insurance and market discipline
Journal of Financial Stability, 2019Limited coverage is a standard feature in deposit insurance schemes. It is used to limit moral hazard, and achieves this objective by reinforcing market discipline: depositors have more incentives to monitor banks’ risk-taking if they have skin in the game.
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Mutual Insurance for Catastrophe Hazards: Case of Deposit Insurance
SSRN Electronic Journal, 2023AbstractDeposit insurance involves catastrophe risk because bank failures spike during a banking crisis. Although mutual insurance is ill‐suited for catastrophe risk, the US government structures deposit insurance like a mutual company owned by policyholders.
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The Payouts Choice for Deposit Insurance System
Journal of Systems Science and Complexity, 2019zbMATH Open Web Interface contents unavailable due to conflicting licenses.
Yiming Chang, Shangmei Zhao, Fei Hu
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A Deposit Insurance System for Armenia
SSRN Electronic Journal, 2003We provide an overview of the design for a system of official deposit guarantees for the Republic of Armenia. This proposed design takes into consideration the overall structure of the Armenian economy, its official institutions and the financial system. Furthermore, we outline specific design features for the Armenian deposit insurance system that are
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The Unending Deposit Insurance Mess
Science, 1989The thrift institution deposit insurance mess is rooted in defects in political and bureaucratic accountability. Under existing incentives, covering up evidence of poor regulatory performance and relaxing binding capital requirements are rational governmental responses to widespread industry insolvency.
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Bank Regulation and Deposit Insurance
The Journal of Business, 1986The subject of government bank regulation is intimately intertwined with that of government deposit insurance. If the government is to insure bank deposits, it should also have some say in the risks that insured banks are allowed to take, otherwise it would leave itself wide open to unlimited potential losses. John H.
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This Handbook aims to give practical guidance on the essential questions which have to be addressed in the establishment of deposit insurance schemes. It examines the rationale for deposit insurance and the risk that insurance creates moral hazard.
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The importance of deposit insurance credibility
Journal of Banking and Finance, 2023Diana Bonfim, João A C Santos
exaly
Private deposit insurance, deposit flows, bank lending, and moral hazard
Journal of Financial Intermediation, 2022Klaus Schaeck +2 more
exaly