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, 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.
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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.
Anginer, Deniz, Bertay, Ata Can
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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.
Anginer, Deniz, Bertay, Ata Can
openaire +3 more sources
Deposit insurance and international bank deposits [PDF]
, 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
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Deposit insurance and risk taking
Oxford Review of Economic Policy, 2011We 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
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2001
In the wake of the Bank of Commerce and Credit (BCC) debacle the Hong Kong Government, then under British rule, issued a Consultation Paper: Deposit Protection Scheme (Monetary Affairs Branch, Government Secretariat, February 1992). Despite expected objections from the major banks the Monetary Authority under the new SAR Government is revisiting the ...
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In the wake of the Bank of Commerce and Credit (BCC) debacle the Hong Kong Government, then under British rule, issued a Consultation Paper: Deposit Protection Scheme (Monetary Affairs Branch, Government Secretariat, February 1992). Despite expected objections from the major banks the Monetary Authority under the new SAR Government is revisiting the ...
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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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INTERNATIONAL DEPOSIT INSURANCE
Economic Affairs, 2009The current banking crisis has highlighted the fragility of the international finance system and the extent to which current system safeguards such as IMF action fall short. Envisioning a fuller banking security system leads naturally to the proposal for an international deposit insurance system based on risk‐based premiums.
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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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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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