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European Deposit Insurance System (EDIS): Cornerstone of the Banking Union or Dead End?
SSRN Electronic Journal, 2019Abstract While the first two pillars of the banking union, a Single Supervisory Mechanism (SSM) and a European Resolution Mechanism (SRM), have been realized rather smoothly, the realization of the third pillar, a European Deposit Insurance System (EDIS), proves a bigger challenge.
Veerle Colaert, Gilian Bens
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The French System of Deposit Insurance
Revue d'économie financière (English ed.), 2000Charles Cornut presents the French system of deposit insurance. This system has recently been modified : it should take a greater role in the French prudential regulation system, in the years to come.
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Institutional Construction (2)—Deposit Insurance System
2016China has adopted implicit deposit insurance with government credibility as the guarantee. This is determined by the characteristics of China’s national economy. With public ownership as the foundation of the banking system, the state provides credibility support to state-owned banks, providing a guarantee for deposits.
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On bank’s risk incentives under deposit insurance system
International Journal of Financial Engineering, 2019This paper refers to bank’s risk incentive problem which is one of the factors behind its risky behavior toward investing in projects. Using the relevant distributions of depositors’ bank balances, we study the risk incentive influence. As a result, the bank’s risk incentive is shown to be classified regarding depositors and bank’s shareholders who ...
Hiroki Seta, Hiroshi Inoue
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The Design and Implementation of Deposit Insurance Systems
2006This paper describes recently established deposit insurance systems, identifying emerging trends. In line with previous IMF work on the subject, it argues against the development of "best practices" applicable to all systems, but rather, stresses the importance of incorporating each country's individual objectives in adopting a deposit insurance system,
Ulrich Klueh +2 more
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An Overview of France’s New Deposit Insurance System
Revue d'économie financière (English ed.), 2000Although deposit insurance schemes are theoretically redundant with capital adequacy standards, experience showed that a system combining both approaches was necessary in maintaining financial stability. Applications of regulations on the subject vary in countries concerned. As regards deposit insurance schemes however, models implementing risk related
Mathérat, Sylvie, Oung, Vitchett
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Deposit insurance, bank regulation, and financial system risks
Journal of Monetary Economics, 2006Abstract Empirical evidence is presented to show that in modern times banks can hedge liquidity shocks but could not do so prior to FDIC insurance. However, the government's limitations in properly pricing FDIC insurance are leading to many current examples of moral hazard.
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The reference of American and British insurance deposit system to China's deposit insurance system
Finance Analysis and Management, 2020openaire +1 more source
New Deposit Insurance Systems in East Asia [PDF]
The last decade has seen tremendous growth in the number of deposit insurance systems around the world. This has been particularly noticeable in East Asia, driven by such factors as rapid financial system development, economic crises and a general desire to improve depositor protection and financial stability.
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DEPOSIT INSURANCE SYSTEM IN GEORGIA AND WORLD TRENDS
The New EconomistThe deposit insurance system is one of the main challenges of Georgian Banking regulation, which serves as a safety pillow of financial stability. Over the past 5 years, Georgia has increased the minimum deposit insurance limit from 5,000 GEL to 15,000 GEL per bank in order to achieve greater stability in the financial market.
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