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Deposit Insurance Database

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Author: Asli Demirgüç-Kunt
Publisher: International Monetary Fund
ISBN: 1498308317
Size: 20.58 MB
Format: PDF, Docs
Category : Business & Economics
Languages : en
Pages : 44
View: 4639


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.

Deposit Insurance Around The World

Deposit Insurance Around the World PDF

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Author: Aslı Demirgüç-Kunt
Publisher: MIT Press
ISBN: 0262042541
Size: 40.85 MB
Format: PDF, Mobi
Category : Business & Economics
Languages : en
Pages : 402
View: 7752


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.

Deposit Insurance Schemes

Deposit Insurance Schemes PDF

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Author: Djurdjica Ognjenovic
Publisher: Springer
ISBN: 3319511432
Size: 65.22 MB
Format: PDF, Mobi
Category : Business & Economics
Languages : en
Pages : 313
View: 5155


This book provides a comprehensive overview of funding arrangements for explicit deposit insurance schemes. Responding to international guidelines and best practice, it discusses policy decisions and operational challenges which deposit insurers face in the financial management of ex-ante deposit insurance funds. Numerous examples are provided, and solutions offered on sources and uses of funds, focusing on target and optimal funding. Coverage includes: the role that modern deposit insurance schemes play in ensuring financial stability how to design the main deposit insurance features in order to maximize compliance with international standards the different types of funding and financial planning for deposit insurance methods for setting the target fund size level optimal deposit insurance funding challenges faced by the European Union members following new deposit insurance and bank resolution directives. The book concludes by providing a comprehensive overview of funding issues and recommendations for deposit insurance schemes in the European Union.

The Role Of Deposit Guarantee Schemes As A Financial Safety Net In The European Union

The Role of Deposit Guarantee Schemes as a Financial Safety Net in the European Union PDF

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Author: Jakub Kerlin
Publisher: Springer
ISBN: 3319541633
Size: 75.19 MB
Format: PDF, ePub
Category : Business & Economics
Languages : en
Pages : 351
View: 6442


This book examines the changing role of Deposit Guarantee Schemes (DGSs) as a financial safety net of the European Union, with specific emphasis on post-crisis reforms. The author identifies the institutional weaknesses of DGSs and analyses their functioning in post-crisis conditions. Readers discover the extent to which the participation of DGSs in bank resolution increases effectiveness, and whether such enhancement of the financial safety net allows for the liquidation of large financial institutions. Finally, the book identifies, categorises, and analyses possible forms of involvement of DGSs in the EU resolution, as well as the proposal of methods for the quantitative measurement of the preparedness of DGSs to participate in this process.

Tarp And Other Bank Bailouts And Bail Ins Around The World

TARP and other Bank Bailouts and Bail Ins around the World PDF

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Author: Allen N. Berger
Publisher: Academic Press
ISBN: 0128138653
Size: 16.48 MB
Format: PDF, Mobi
Category : Business & Economics
Languages : en
Pages : 476
View: 7146


Financial crises are recurring phenomena that result in the financial distress of systemically important banks, making it imperative to understand how to best respond to such crises and their consequences. Two policy responses became prominent for dealing with these distressed institutions since the last Global Financial Crisis: bailouts and bail-ins. The main questions surrounding these responses touch everyone: Are bailouts or bail-ins good for the financial system and the real economy? Is it essential to save distressed financial institutions by putting taxpayer money at risk in bailouts, or is it better to use private money in bail-ins instead? Are there better options, such as first lines of defense that help prevent such distress in the first place? Can countercyclical prudential and monetary policies lessen the likelihood and severity of the financial crises that often bring about this distress? Through careful analysis, authors Berger and Roman review and critically assess the extant theoretical and empirical research on many resolution approaches and tools. Placing special emphasis on lessons learned from one of the biggest bailouts of all time, the Troubled Asset Relief Program (TARP), while also reviewing other programs and tools, TARP and Other Bank Bailouts and Bail-Ins around the World sheds light on how best to protect the financial system on Wall Street and the real economy on Main Street. Presents a well-informed and rich account of bailouts, bail-ins, and other resolution approaches to resolve financially distressed banks. Uses TARP as a key case study of bailouts that has been thoroughly researched. Provides valuable research and policy guidance for dealing with future financial crises.

Deposit Insurance Around The World

Deposit Insurance Around the World PDF

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Author: Aslı Demirgüç-Kunt
Publisher:
ISBN:
Size: 40.52 MB
Format: PDF, Docs
Category : Bank
Languages : en
Pages : 80
View: 5692


Abstract: This paper updates the Demirgu?-Kunt and Sobaci (2001) cross-country deposit insurance database and extends it in several important dimensions. This new data set identifies both recent adopters and the ones that were not covered earlier due to a lack of data. Moreover, for the first time, it provides historical time series for several variables and adds new ones. The data were collected by surveying deposit insurance institutions and related agencies as well as through the use of various other country sources.

Determinants Of Deposit Insurance Adoption And Design

Determinants of Deposit insurance Adoption and Design PDF

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Author: Aslı Demirgüç-Kunt
Publisher:
ISBN:
Size: 54.33 MB
Format: PDF, Kindle
Category : Banks and banking
Languages : en
Pages : 74
View: 5065


The authors seek to identify factors that influence decisions about a country's financial safety net, using a new dataset on 170 countries covering the 1960-2003 period. Specifically, they focus on how outside influences, economic development, crisis pressures, and political institutions affect deposit insurance adoption and design. Controlling for the influence of economic characteristics and events such as macroeconomic shocks, occurrence and severity of crises, and institutional development, they find that pressure to emulate developed-country regulatory frameworks and power-sharing political institutions dispose a country toward adopting design features that inadequately control risk-shifting.

Deposit Insurance Design And Implementation

Deposit Insurance Design and Implementation PDF

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Author: Aslı Demirgüç-Kunt
Publisher:
ISBN:
Size: 46.56 MB
Format: PDF, Docs
Category : Deposit insurance
Languages : en
Pages : 32
View: 3471


"This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the evidence into a set of principles of good design. Cross-country empirical research and individual-country experience confirm that, for at least the time being, officials in many countries would do well to delay the installation of a deposit insurance system."--World Bank web site.

The Quarterly Review Of Economics And Finance

The Quarterly Review of Economics and Finance PDF

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Author:
Publisher:
ISBN:
Size: 13.38 MB
Format: PDF, Kindle
Category : Business
Languages : en
Pages :
View: 168



Governing Financial Markets

Governing Financial Markets PDF

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Author: Intaek Han
Publisher:
ISBN:
Size: 24.85 MB
Format: PDF, Docs
Category :
Languages : en
Pages : 466
View: 6705



The Regulation And Supervision Of Banks Around The World

The Regulation and Supervision of Banks Around the World PDF

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Author: James R. Barth
Publisher: World Bank Publications
ISBN:
Size: 60.78 MB
Format: PDF, ePub, Mobi
Category : Banking law
Languages : en
Pages : 87
View: 7232


This new and comprehensive database on the regulation and supervision of banks in 107 countries should better inform advice about bank ewgulation and supervision and lower the marginal cost of empirical research.

Deposit Insurance And Bank Intermediation In The Long Run

Deposit Insurance and Bank Intermediation in the Long Run PDF

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Author: Robert J. Cull
Publisher:
ISBN:
Size: 48.51 MB
Format: PDF
Category : Banks and banking
Languages : en
Pages : 43
View: 838


This paper provides empirical evidence on the impact of deposit insurance on the growth of bank intermediation in the long run. We use a unique dataset capturing a variety of deposit insurance features across countries, such as coverage, premium structure, etc. and synthesize available information by means of principal component indices. This paper specifically addresses sample selection and endogeneity concerns by estimating a generalized Tobit model both via maximum likelihood and the Heckman 2-step method. The empirical construct is guided by recent theories of banking regulation that employ an agency framework. The basic moral hazard problem is the incentive for depository institutions to engage in excessively high-risk activities, relative to socially optimal outcomes, in order to increase the option value of their deposit insurance guarantee. The overall empirical evidence is consistent with the likelihood that generous government-funded deposit insurance might have a negative impact on the long-run growth and stability of bank intermediation, except in countries where the rule of law is well established and bank supervisors are granted sufficient discretion and independence from legal reprisals. Insurance premium requirements on member banks, even when risk-adjusted, are instead found to have little effect in restraining banks' risk-taking behavior.

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