The Impact Of Increased Insurance On Public Deposits
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The Impact Of Increased Insurance On Public Deposits
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Author : United States. Advisory Commission on Intergovernmental Relations
language : en
Publisher:
Release Date : 1977
The Impact Of Increased Insurance On Public Deposits written by United States. Advisory Commission on Intergovernmental Relations and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Deposit insurance categories.
The Impact Of Increased Insurance On Public Deposits
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Author : United States. Advisory Commission on Intergovernmental Relations
language : en
Publisher:
Release Date : 1977
The Impact Of Increased Insurance On Public Deposits written by United States. Advisory Commission on Intergovernmental Relations and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Banks and banking categories.
The Effect Of Deposit Insurance On Bank Capital Structure
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Author : Constantin Charles
language : en
Publisher:
Release Date : 2016
The Effect Of Deposit Insurance On Bank Capital Structure written by Constantin Charles 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.
In 2008, deposit insurance was increased from $100,000 to $250,000 for all FDIC-insured US banks. Since the increase affected banks differently, a difference-in-difference estimation is employed to identify the effect of deposit insurance on bank capital structure. The results indicate that affected banks reduce their capital ratios significantly. To offset this, affected banks expand their position in other borrowed funds. The higher leverage increases bank risk, but despite this, affected banks pay slightly lower interest rates on domestic deposits. The results further show that banks anticipate the increase in insurance before it is actually signed into Public Law.
Financial Opening Deposit Insurance And Risk In A Model Of Banking Competition
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Author : Mr.Tito Cordella
language : en
Publisher: International Monetary Fund
Release Date : 1998-06-01
Financial Opening Deposit Insurance And Risk In A Model Of Banking Competition written by Mr.Tito Cordella 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 1998-06-01 with Business & Economics categories.
This paper studies the impact of competition on the determination of interest rates and banks’ risk-taking behavior under different assumptions about deposit insurance and the dissemination of financial information. It finds that lower entry costs foster competition in deposit rate sand reduce banks’ incentives to limit risk exposure. Although higher insurance coverage amplifies this effect, two alternative arrangements (risk-based contributions to the insurance fund and public disclosure of financial information) help to reduce it. Moreover, uninsured but fully informed depositors and risk-based full deposit insurance yield the same equilibrium risk level, which is independent of entry costs. The welfare implications of the different arrangements are also explored.
Financial Opening Deposit Insurance And Risk In A Model Of Banking Competition
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Author : Tito Cordella
language : en
Publisher:
Release Date : 2004
Financial Opening Deposit Insurance And Risk In A Model Of Banking Competition written by Tito Cordella and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with categories.
We study the impact of competition on banks' risk-taking behavior under different assumptions about deposit insurance and the dissemination of information. While financial opening increases banks' riskiness, a risk-based deposit insurance or, alternatively, the public disclosure of financial information, are likely to mitigate this effect. Moreover, the limiting cases of uninsured but fully informed depositors, and risk-based full deposit insurance, yield the same equilibrium risk level. Although the welfare consequences of increased competition depend on its impact on risk, financial opening unambiguously improves welfare as we approach the limiting cases.
The Impact Of Increased Insurance On Public Deposits
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Author : United States. Advisory Commission on Intergovernmental Relations
language : en
Publisher:
Release Date : 1977
The Impact Of Increased Insurance On Public Deposits written by United States. Advisory Commission on Intergovernmental Relations and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Bank deposits categories.
Printed for the use of the Committee on Banking, Housing, and Urban Affairs, United States Senate.
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.
The Role For Deposit Insurance Funds In Dealing With Failing Banks In The European Union
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Author : Mr. Atilla Arda
language : en
Publisher: International Monetary Fund
Release Date : 2022-01-07
The Role For Deposit Insurance Funds In Dealing With Failing Banks In The European Union written by Mr. Atilla Arda 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 2022-01-07 with Business & Economics categories.
This paper argues that in the European Union (EU) deposit insurance funds are too difficult to use in bank resolution and too easy to use outside resolution. The paper proposes reforms in three areas for the effective management of bank failures of small and medium-sized banks in the European Union: making resolution the norm for dealing with failing banks; establishing a common DIS for the European Union; and increasing funding and backstops for deposit insurance while removing constraints on their use for resolution measures. Without these changes, the European Union will continue to be challenged by banks that are too small for resolution and too large for liquidation.
Deposit Insurance
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Author : Ms.G. G. Garcia
language : en
Publisher: International Monetary Fund
Release Date : 1996-08-01
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 1996-08-01 with Business & Economics categories.
The paper contrasts deposit protection with other forms of insurance, examines why goods and services of all kinds receive warranties and guarantees, and explores the particular characteristics of deposits and banks that merit deposit insurance. It examines a variety of reasons why countries choose to adopt systems of deposit insurance, the pitfalls that can arise from poorly designed schemes, and the features of a scheme that successfully avoids these pitfalls.
Crisis And Response
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Author : Federal Deposit Insurance Corporation
language : en
Publisher:
Release Date : 2018-03-06
Crisis And Response written by Federal Deposit Insurance Corporation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-03-06 with categories.
Crisis and Response: An FDIC History, 2008¿2013 reviews the experience of the FDIC during a period in which the agency was confronted with two interconnected and overlapping crises¿first, the financial crisis in 2008 and 2009, and second, a banking crisis that began in 2008 and continued until 2013. The history examines the FDIC¿s response, contributes to an understanding of what occurred, and shares lessons from the agency¿s experience.