Deposit Insurance Around The Globe

Author : Asl? Demirgüç-Kunt
Publisher : World Bank Publications
Page : 42 pages
File Size : 40,5 Mb
Release : 2001
Category : Bank failures
ISBN : 8210379456XXX

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Deposit Insurance Around the Globe by Asl? Demirgüç-Kunt Pdf

Explicit deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. Economic theory indicates that deposit-insurance design features interact--for good or ill--with country-specific elements of the financial and governmental contracting environment. This paper documents the extent of cross-country differences in deposit-insurance design and reviews empirical evidence on how particular design features affect private market discipline, banking stability, financial development, and the effectiveness of crisis resolution. This evidence challenges the wisdom of encouraging countries to adopt explicit deposit insurance without first stopping to assess and remedy weaknesses in their informational and supervisory environments.

Author : Edward J. Kane
Publisher : Unknown
Page : 38 pages
File Size : 40,8 Mb
Release : 2010
Category : Electronic
ISBN : OCLC:1290832597

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Deposit Insurance Around the Globe by Edward J. Kane Pdf

Explicit deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. Economic theory indicates that deposit-insurance design features interact--for good or ill--with country-specific elements of the financial and governmental contracting environment. This paper documents the extent of cross-country differences in deposit-insurance design and reviews empirical evidence on how particular design features affect private market discipline, banking stability, financial development, and the effectiveness of crisis resolution. This evidence challenges the wisdom of encouraging countries to adopt explicit deposit insurance without first stopping to assess and remedy weaknesses in their informational and supervisory environments.

Author : Asli Demirgüç-Kunt
Publisher : Unknown
Page : 128 pages
File Size : 51,8 Mb
Release : 2016
Category : Electronic
ISBN : OCLC:1290704722

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Deposit Insurance Around the Globe by Asli Demirgüç-Kunt Pdf

Developing countries should first address weaknesses in their informational and supervisory environments before adopting explicit deposit insurance.Explicit deposit insurance has been spreading rapidly in recent years, even to countries not advanced in financial and institutional development. Economic theory indicates that deposit insurance design features interact - for good or ill - with country-specific elements of the financial and governmental contracting environment. Demirguc-Kunt and Kane document the extent of cross-country differences in deposit insurance design and review empirical evidence on how design features affect private market discipline, banking stability, financial development, and the effectiveness of crisis resolution. This evidence challenges the wisdom of encouraging countries to adopt explicit deposit insurance without first addressing weaknesses in their informational and supervisory environments.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to improve the design of deposit insurance systems. The authors may be contacted at [email protected] or [email protected].

Author : Aslı Demirgüç-Kunt,Edward James Kane,Luc Laeven
Publisher : MIT Press
Page : 415 pages
File Size : 48,9 Mb
Release : 2008
Category : Business & Economics
ISBN : 9780262042543

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Deposit Insurance Around the World by Aslı Demirgüç-Kunt,Edward James Kane,Luc Laeven Pdf

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.

Author : Ms.Edda Zoli,Reza Vaez-Zadeh,Danyang Xie
Publisher : International Monetary Fund
Page : 35 pages
File Size : 51,9 Mb
Release : 2002-12-01
Category : Business & Economics
ISBN : 9781451874662

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Modis by Ms.Edda Zoli,Reza Vaez-Zadeh,Danyang Xie Pdf

This paper argues that an optimal deposit insurance scheme would allow the level of insurance coverage to be determined by the market. Based on this principle, the paper proposes an insurance scheme that minimizes distortions and embodies fairness and credibility, two essential characteristics of a viable and effective deposit insurance scheme. Using a simple model for the determination of the optimal level of insurance coverage, it is shown that the optimal coverage is higher for developing compared to developed countries; a condition that is broadly satisfied by prevailing deposit insurance practices around the world.

Author : Asli Demirgüç-Kunt
Publisher : Unknown
Page : 128 pages
File Size : 48,8 Mb
Release : 2001
Category : Electronic book
ISBN : OCLC:1066373688

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Deposit Insurance Around the World by Asli Demirgüç-Kunt Pdf

Author : Asli Demirgüç-Kunt,Edward Kane,Mr.Luc Laeven
Publisher : International Monetary Fund
Page : 44 pages
File Size : 43,7 Mb
Release : 2014-07-03
Category : Business & Economics
ISBN : 9781498354479

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Deposit Insurance Database by Asli Demirgüç-Kunt,Edward Kane,Mr.Luc Laeven Pdf

This paper provides a comprehensive, global database of deposit insurance arrangements as of 2013. We extend our earlier dataset by including recent adopters of deposit insurance and information on the use of government guarantees on banks’ assets and liabilities, including during the recent global financial crisis. We also create a Safety Net Index capturing the generosity of the deposit insurance scheme and government guarantees on banks’ balance sheets. The data show that deposit insurance has become more widespread and more extensive in coverage since the global financial crisis, which also triggered a temporary increase in the government protection of non-deposit liabilities and bank assets. In most cases, these guarantees have since been formally removed but coverage of deposit insurance remains above pre-crisis levels, raising concerns about implicit coverage and moral hazard going forward.

Author : Robert J. Cull,Lemma W. Senbet,Marco Sorge
Publisher : World Bank Publications
Page : 66 pages
File Size : 40,9 Mb
Release : 2001
Category : Banking law
ISBN : 8210379456XXX

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Deposit Insurance and Financial Development by Robert J. Cull,Lemma W. Senbet,Marco Sorge Pdf

Do deposit insurance programs contribute to financial developmen? Yes, but only if the regulatory environment is sound.

Author : Asl? Demirgüç-Kunt,Enrica Detragiache
Publisher : World Bank Publications
Page : 42 pages
File Size : 55,7 Mb
Release : 1999
Category : Asset Portfolio
ISBN : 8210379456XXX

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Does Deposit Insurance Increase Banking System Stability? by Asl? Demirgüç-Kunt,Enrica Detragiache Pdf

"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.

Author : Luc Laeven
Publisher : World Bank Publications
Page : 43 pages
File Size : 42,7 Mb
Release : 2004
Category : Deposit insurance
ISBN : 9784060811424

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The Political Economy of Deposit Insurance by Luc Laeven Pdf

Author : Thorsten Beck,Luc Laeven
Publisher : World Bank Publications
Page : 34 pages
File Size : 43,9 Mb
Release : 2006
Category : Bancos
ISBN : 8210379456XXX

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Resolution of Failed Banks by Deposit Insurers by Thorsten Beck,Luc Laeven Pdf

"There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role of the deposit insurer. The authors use quantitative analysis for 57 countries and discuss specific country cases to illustrate this variation. Using data for over 1,700 banks across 57 countries, they show that banks in countries where the deposit insurer has the responsibility of intervening failed banks and the power to revoke membership in the deposit insurance scheme are more stable and less likely to become insolvent. Involvement of the deposit insurer in bank failure resolution thus dampens the negative effect that deposit insurance has on banks' risk taking. "--World Bank web site.

Author : Luc Laeven
Publisher : Unknown
Page : 69 pages
File Size : 44,6 Mb
Release : 2016
Category : Electronic
ISBN : OCLC:1290704593

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Pricing of Deposit Insurance by Luc Laeven Pdf

Laeven aims to provide guidelines for the pricing of deposit insurance in different countries. He presents several methodologies that can be used to set benchmarks for the pricing level of deposit insurance in a country, and quantifies how specific design features affect the cost of deposit insurance.The author makes several contributions to our understanding of what drives the price of deposit insurance. For example, he shows how risk diversification and risk differentiation within a deposit insurance system can reduce the price of deposit insurance. Laeven also finds that deposit insurance is underpriced in many countries around the world, notably in several developing countries. More important, his estimates suggest that many countries cannot afford deposit insurance.Deposit insurance is unlikely to be a viable option in a country with weak banks and institutions. The author does not recommend a funded deposit insurance scheme, but rather he argues that for countries that have adopted or are adopting deposit insurance and have decided to pre-fund it, pricing it as accurately as possible is important.This paper - a product of the Financial Sector Strategy and Policy Department - is part of a larger effort in the department to study the costs and benefits of deposit insurance. The author may be contacted at [email protected].

Author : Nathalie Pothier,Canada. Library of Parliament. Research Branch
Publisher : Unknown
Page : 13 pages
File Size : 54,6 Mb
Release : 1992
Category : Bank insurance
ISBN : 0660148382

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Deposit Insurance by Nathalie Pothier,Canada. Library of Parliament. Research Branch Pdf

Author : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 148 pages
File Size : 54,7 Mb
Release : 2018-04-19
Category : Business & Economics
ISBN : 9781464812682

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The Global Findex Database 2017 by Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar Pdf

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Author : Ms.G. G. Garcia
Publisher : International Monetary Fund
Page : 64 pages
File Size : 44,9 Mb
Release : 1996-08-01
Category : Business & Economics
ISBN : 9781451850499

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Deposit Insurance by Ms.G. G. Garcia Pdf

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.