Deposit Insurance and Banks’ Deposit Rates: Evidence from the 2009 EU Policy Change
نویسندگان
چکیده
منابع مشابه
Deposit Insurance , Institutions and Bank Interest Rates
Many recent institutional reforms of the financial system have relied on the introduction of an explicit scheme of Deposit Insurance. This instrument aims at two main targets, contributing to systemic stability and protecting depositors. However it may also affect the interest rate spread in the banking system, which can be viewed as an indicator of market power in this financial segment. This ...
متن کاملOptimal Deposit Insurance
This paper characterizes the optimal level of deposit insurance (DI) when bank runs are possible. In a wide variety of environments, the optimal level of DI only depends on three sufficient statistics: the sensitivity of the likelihood of bank failure with respect to the level of DI, the utility loss caused by bank failure (which is a function of the drop in depositors’ consumption) and the exp...
متن کاملDeposit Insurance: A Reconsideration
This paper undertakes a simple general equilibrium analysis of the consequences of deposit insurance programs, the way in which they are priced, and the way in which they fund revenue shortfalls. We show that the central issue in analyzing deposit insurance is how the government will make up any FDIC losses. Deposit insurance premia matter only in so far as they affect the level of implied FDIC...
متن کاملDeposit Insurance and Financial Development
We thank the World Bank for funding and Asli Demirguc-Kunt and participants at the World Bank conference on deposit insurance for their comments and suggestions. The views expressed are the authors' own and do not necessarily reflect those of the World Bank, its Board of Directors, or the countries they represent.
متن کاملBank Regulation and Deposit Insurance
The 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. Kareken (in this issue) comes close to arguing that banks without government ...
متن کاملذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2019
ISSN: 1556-5068
DOI: 10.2139/ssrn.3452664