The Design And Implementation Of Deposit Insurance Systems
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The Design And Implementation Of Deposit Insurance Systems
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Author : David S. Hoelscher
language : en
Publisher: IMF
Release Date : 2006
The Design And Implementation Of Deposit Insurance Systems written by David S. Hoelscher and has been published by IMF this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Business & Economics categories.
This 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. Rather, it stresses the importance of incorporating each country's individual objectives in adopting a deposit insurance system, as well as that country's characteristics, to ensure an effective system that minimizes disincentives and distortions to financial sector intermediation. The book includes a summary of the academic literature.
Deposit Insurance Around The World
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Author : Aslı Demirgüç-Kunt
language : en
Publisher: MIT Press
Release Date : 2008
Deposit Insurance Around The World written by Aslı Demirgüç-Kunt and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Explicit deposit insurance (DI) is widely held to be a crucial element of modern financial safety nets. This book draws on an original cross-country dataset on DI systems and design features to examine the impact of DI on banking behavior and assess the policy complications that emerge in developing countries.
Design Structure And Implementation Of A Modern Deposit Insurance Scheme
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Author : Beat Bernet
language : en
Publisher:
Release Date : 2009
Design Structure And Implementation Of A Modern Deposit Insurance Scheme written by Beat Bernet and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
Does Deposit Insurance Increase Banking System Stability An Empirical Investigation
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Author : Asli Demirgüç-Kunt
language : en
Publisher:
Release Date : 2016
Does Deposit Insurance Increase Banking System Stability An Empirical Investigation written by Asli Demirgüç-Kunt and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Explicit deposit insurance tends to be detrimental to bank stability - the more so where bank interest rates are deregulated and the institutional environment is weak.Based on evidence for 61 countries in 1980-97, Demirguc-Kunt and Detragiache find that explicit deposit insurance tends to be detrimental to bank stability, the more so where bank interest rates are deregulated and the institutional environment is weak.The adverse impact of deposit insurance on bank stability tends to be stronger the more extensive is the coverage offered to depositors, and where the scheme is funded and run by the government rather than the private sector.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to study deposit insurance. The study was funded by the Bank's Research Support Budget under the research project Deposit Insurance: Issues of Principle, Design, and Implementation (RPO 682-90). The authors may be contacted at [email protected] or [email protected].
Does Deposit Insurance Increase Banking System Stability
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Author : Asl? Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1999
Does Deposit Insurance Increase Banking System Stability written by Asl? Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Asset Portfolio categories.
"Explicit deposit insurance tends to be detrimental to bank stability-- the more so where bank interest rates are deregulated and the institutional environment is weak"--Cover.
Bank Deposit Guarantee Systems
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Author : Felix I. Lessambo
language : en
Publisher: Palgrave Macmillan
Release Date : 2024-05-26
Bank Deposit Guarantee Systems written by Felix I. Lessambo and has been published by Palgrave Macmillan this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-05-26 with Business & Economics categories.
More than 107 countries have some form of explicit deposit insurance according to the Bank Regulation and Supervision Survey conducted by the World Bank. This book explores the diverse deposit insurance regulations across countries, ranging from full to partial coverage, from explicit to implicit appliance, from compulsory to non-compulsory, among the G-20 countries. It also explores the differences of premium implementation. The book focuses on the need for deposit insurance systems given their ability to prevent bank runs, which usually lead to asset liquidation and potentially to bank failure. The book looks closely at how to properly design a safety net and balance two competing goals: ensuring stability in the financial system when liquidity and solvency problems arise while minimizing moral hazard. The book examines these various deposit insurance schemes and their ability to maintain the stability of the financial system by protecting the critical financial intermediation function of banks and their role in the national payments system, and will be of interest to researchers, students, and policymakers of banking, banking regulation, and international finance.
Deposit Insurance
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Author : Ms.G. G. Garcia
language : en
Publisher: INTERNATIONAL MONETARY FUND
Release Date : 2000-01-01
Deposit Insurance written by Ms.G. G. Garcia and has been published by INTERNATIONAL MONETARY FUND this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000-01-01 with Business & Economics categories.
This paper demonstrates a well-designed deposit guarantee system can strengthen incentives for owners, managers, depositors and other creditors, borrowers, regulators and supervisors, and politicians. Borrowers should be aware that they will have to repay their loans if their bank fails and will be encouraged to keep their loans current where offsetting is limited to past-due loans. The performance of insurers, regulators, and supervisors as agents will improve where they know that they can take justifiable actions without political interference and will be held accountable for their actions to their principals. Despite the improvements, and possibly partly because there are issues in deposit insurance design that remain to be resolved, financial crises have been prevalent during the 1990s. This situation has forced a number of countries to offer a blanket guarantee to restore confidence and to allow the continued functioning of the financial system while the authorities take time to design a plan for the resolution of the crisis.
The Incentive Compatible Design Of Deposit Insurance And Bank Failure Resolution
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Author : Thorsten Beck
language : en
Publisher:
Release Date : 2003
The Incentive Compatible Design Of Deposit Insurance And Bank Failure Resolution written by Thorsten Beck and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Bank failures categories.
Deposit Insurance And Crisis Management
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Author : G. G. Garcia
language : en
Publisher: International Monetary Fund
Release Date : 2000-03
Deposit Insurance And Crisis Management written by G. G. Garcia and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000-03 with Business & Economics categories.
A well-designed deposit insurance system (DIS) will provide incentives for citizens to keep the financial system sound. However, a poorly designed DIS can foster a financial crisis. This paper, therefore, makes recommendations for creating and running a limited, incentive-compatible, DIS. The paper also examines factors in the decision to grant, temporarily, a comprehensive guarantee, and the design of that guarantee, should a systemic financial crisis nevertheless occur. It concludes with guidance on the removal of that guarantee.
Market Discipline And Financial Safety Net Design
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Author : Aslı Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1999
Market Discipline And Financial Safety Net Design written by Aslı Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Banks and banking categories.
It is difficult to design and implement an effective safety net for banks, because overgenerous protection of banks may introduce a risk-enhancing moral hazard and destabilize the very system it is meant to protect. The safety net that policymakers design must provide the right mix of market and regulatory discipline, enough to protect depositors without unduly undermining market discipline on banks.