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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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Deposit Insurance in a Deregulated Environment
The Journal of Finance, 1984THE 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
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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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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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DEPOSIT INSURANCE FOR INDIVIDUALS
Социально-экономические и гуманитарные науки: сборник избранных статей по материалам Международной научной конференции (Санкт-Петербург, Декабрь 2021), 2022В последнее время, увеличились случаи банкротства банков, а также отзыва лицензий у них, в связи с чем российские граждане обеспокоены сохранностью своих финансов на банковских счетах. Именно поэтому, вопрос касаемо страхования банковских вкладом, сумм возмещения и порядка обращения при наступления страхового случая становится все более актуальным для ...
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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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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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The importance of deposit insurance credibility
Journal of Banking and Finance, 2023Diana Bonfim, João A C Santos
exaly