we have studied the relation between bank deposit rates and house prices in iran. for that, we have run some var models, using the following variables: real deposit rates (including 1 and 5 years deposit rates), money supply (including the high powered money and the liquidity), gdp, housing services index, and number of licenses for new houses. our results show that a reduction in the deposit r...

This paper explores sources of deposit dollarization unrelated to standard moral hazard arguments. We develop a model in which banks choose the optimal currency composition of their liabilities. We argue that the equal treatment of peso and dollar claims in the event of bank default can induce banks to attract dollar deposits above the socially desirable level. The distortion arises because dol...

We study two reservation deposit policies for a service rm to increase its revenue through higher capacity utilization. First, under the no deposit policy, the rm requires no reservation deposit and imposes no no show penalty. Anticipating potential no shows, a rm may overbook; hence, there is no guarantee that the reserved service will be provided under the no deposit policy. On the contrary, ...

The goal of this paper is to improve our understanding of the costs and benefits of explicit deposit insurance. To this end, we compare the opportunity-cost value of deposit insurance services for a large sample of banks drawn from countries with or without explicit deposit insurance. After correcting for certain bankand country-specific factors, we find that the existence of explicit deposit i...

kajal kaolin deposit is located ~20 km northwest of hashtjin, ardebil province. field evidence and laboratory investigations show that the deposit is an alteration product of ignimbrites, tuffs, and trachy-andesites of eocene age. according to mineralogical data, the major rock-forming minerals include kaolinite, montmorillonite, polygorskite, orthoclase, zeolite (stilbite), quartz, and chalced...

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...

calculating total cast of bank resources procurement methods which include current -free loan deposit, saving interest-free loan deposit, regular and net short-term investment deposit, long-term investment deposit and surety bond cash deposit and presenting their optimal integration require precise scientific studies. hence, this study is an attempt to know which methods are the best optimal in...

Eight smokers were randomly assigned to a deposit contract ($50.00) or to a no-deposit group. Using a reversal design, participants could recoup their deposit (deposit group) or earn vouchers (no-deposit group) for smoking reductions and abstinence (breath carbon monoxide [CO] < or =4 parts per million) during treatment phases. Treatment was delivered via a novel Internet-based method to monito...

This paper studies the provision of deposit insurance along with liquidation decisions without commitment in an economy with heterogenous households. The analysis separates control of the balance sheet of a failed bank from the provision of deposit insurance. We study the factors that determine orderly liquidation and the effects of this policy on the prospect of bank runs. We also study the pr...