This paper provides a new rationalization for deposit insurance and systemic disintermediations. I consider an environment in which borrowers face no penalty for failing to repay obligations except the loss of their collateral. I assume that this collateral has aggregate risk. For a subset of the exogenous parameters, I demonstrate that an optimal arrangement features deposit insurance. For a s...

Using a database from post-communist, pre-deposit-insurance Russia, we demonstrate the presence of quantity-based sanctioning of weaker banks by both firms and households, particularly after the financial crisis of 1998. Evidence for the standard form of price discipline, however, is notably weak. Estimating the deposit supply function, we show that, particularly for poorly capitalized banks, i...

Magnesite deposits in the Central Western Carpathians belong among the biggest deposits in the Europe. Their today’s structure is mainly the result of the Alpine orogenesis. During this period several deformation stages were active, which deformed the deposit body. This resulted in today’s complicated structure of the deposit. The genesis of deposit is still ambiguous; however, the importance o...

The e-Deposit is a deposit that can be managed in electronic form. The concept of a fund accessible for different financial transactions makes the e-Deposit appropriate for use at universities. The application is implemented in three-tier architecture. Because of the extensive exchange of financial data over the internet, the data integrity is secured. The business and data access tier are impl...

There is an increased sophistication in the provision of financial services by UK financial mutuals. This paper presents evidence of a more complex process of price setting by these firms. From a theoretical model of the determination of deposit rates, the rate setting behaviour of firms is estimated empirically. Controlling for different service provision and firm characteristics heterogeneous...

Phosphorus deficiency affects around 80% of the acid soils of western Kenya, but fertilizer use is limited due to high prices. This paper explores the potential of local phosphate rocks (PR) as a remedy within the context on an integrated soil fertility management approach. A promising phosphate rock is Minjingu PR (MPR, Tanzania), a sedimentary/biogenic deposit which contains about 13% total P...

ATP stimulates Na transport into inside-out vesicles (IOVs) made from human red cell membranes; strophanthidin inhibits the ATP-stimulated transport. The substrates for glyceraldehyde-3-phosphate dehydrogenase (GAPDH) and phosphoglycerate kinase (PGK) (glycolytic enzymes bound to the cytoplasmic surface of the red cell membrane) also stimulate Na transport into IOVs without added ATP. The eluti...

The specific routes of biomineralization in nature are here explored using a tissue engineering approach in which bone is formed in porous ceramic constructs seeded with bone marrow stromal cells and implanted in vivo. Unlike previous studies this model system reproduces mammalian bone formation, here investigated at high temporal resolution. Different mineralization stages were monitored at di...