Deposit Insurance Around the Globe : Where Does It Work?

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 count...

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Main Authors:	Demirguc-Kunt, Asli, Kane, Edward J.
Format:	Policy Research Working Paper
Language:	English en_US
Published:	World Bank, Washington, DC 2014
Subjects:	ACCOUNTABILITY ACCOUNTING ADMINISTRATIVE COSTS AUDITS BANK CAPITAL BANK DEPOSITS BANK HOLDING COMPANIES BANK PERFORMANCE BANK RISK BANK RUNS BANK SOLVENCY BANKING CRISIS BANKING REGULATION BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKRUPTCY BANKS BLANKET DEPOSIT GUARANTEES BLANKET DEPOSIT INSURANCE CAPITAL FLIGHT CAPITAL STANDARDS CDS CENTRAL BANK COINSURANCE COMMERCIAL BANKS COMPENSATION CONTRACT ENFORCEMENT CORPORATE GOVERNANCE COVERAGE CREDIT UNIONS CROSS- COUNTRY EXPERIENCE DEBT DEFAULT RISK DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COSTS DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITOR PROTECTION DEPOSITORS DEPOSITS ECONOMIC GROWTH FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL MARKETS FINANCIAL POLICIES FINANCIAL STABILITY FINANCING MECHANISMS FOREIGN CURRENCY DEPOSITS GAMBLING GOVERNMENT GUARANTEES INDIRECT COST INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE COVERAGE INSURANCE DESIGN INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURED DEPOSITS INTEREST RATES INTEREST SENSITIVITY LIQUIDITY LOOTING MARKET DISCIPLINE MITIGATION MORAL HAZARD NET LOSS PROBABILITY OF DEFAULT PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION PRUDENTIAL REGULATIONS PUBLIC DEBT REGULATORY FORBEARANCE RESERVES RISK FACTORS RISK PREMIUMS SAFETY NET POLICIES SAFETY NETS SAVINGS SAVINGS BANKS SHAREHOLDERS SMALL BANKS STABILIZATION STATISTICAL ANALYSIS STOCK PRICES SYSTEMIC BANKING CRISES THRIFT INSTITUTIONS TRANSPARENCY
Online Access:	http://documents.worldbank.org/curated/en/2001/09/1614729/deposit-insurance-around-globe-work-vol-1-4 http://hdl.handle.net/10986/19549

id	okr-10986-19549
recordtype	oai_dc
spelling	okr-10986-195492021-04-23T14:03:43Z Deposit Insurance Around the Globe : Where Does It Work? Demirguc-Kunt, Asli Kane, Edward J. ACCOUNTABILITY ACCOUNTING ADMINISTRATIVE COSTS AUDITS BANK CAPITAL BANK DEPOSITS BANK HOLDING COMPANIES BANK PERFORMANCE BANK RISK BANK RUNS BANK SOLVENCY BANKING CRISIS BANKING REGULATION BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKRUPTCY BANKS BLANKET DEPOSIT GUARANTEES BLANKET DEPOSIT INSURANCE CAPITAL FLIGHT CAPITAL STANDARDS CDS CENTRAL BANK COINSURANCE COMMERCIAL BANKS COMPENSATION CONTRACT ENFORCEMENT CORPORATE GOVERNANCE COVERAGE CREDIT UNIONS CROSS- COUNTRY EXPERIENCE DEBT DEFAULT RISK DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COSTS DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITOR PROTECTION DEPOSITORS DEPOSITS ECONOMIC GROWTH FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL MARKETS FINANCIAL POLICIES FINANCIAL STABILITY FINANCING MECHANISMS FOREIGN CURRENCY DEPOSITS GAMBLING GOVERNMENT GUARANTEES INDIRECT COST INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE COVERAGE INSURANCE DESIGN INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURED DEPOSITS INTEREST RATES INTEREST SENSITIVITY LIQUIDITY LOOTING MARKET DISCIPLINE MITIGATION MORAL HAZARD NET LOSS PROBABILITY OF DEFAULT PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION PRUDENTIAL REGULATIONS PUBLIC DEBT REGULATORY FORBEARANCE RESERVES RISK FACTORS RISK PREMIUMS SAFETY NET POLICIES SAFETY NETS SAVINGS SAVINGS BANKS SHAREHOLDERS SMALL BANKS STABILIZATION STATISTICAL ANALYSIS STOCK PRICES SYSTEMIC BANKING CRISES THRIFT INSTITUTIONS TRANSPARENCY 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. The authors 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 addresing weaknesses in their informational and supervisory environments. 2014-08-21T15:21:33Z 2014-08-21T15:21:33Z 2001-09 http://documents.worldbank.org/curated/en/2001/09/1614729/deposit-insurance-around-globe-work-vol-1-4 http://hdl.handle.net/10986/19549 English en_US Policy Research Working Paper;No. 2679 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank, Washington, DC Publications & Research :: Policy Research Working Paper Publications & Research
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	ACCOUNTABILITY ACCOUNTING ADMINISTRATIVE COSTS AUDITS BANK CAPITAL BANK DEPOSITS BANK HOLDING COMPANIES BANK PERFORMANCE BANK RISK BANK RUNS BANK SOLVENCY BANKING CRISIS BANKING REGULATION BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKRUPTCY BANKS BLANKET DEPOSIT GUARANTEES BLANKET DEPOSIT INSURANCE CAPITAL FLIGHT CAPITAL STANDARDS CDS CENTRAL BANK COINSURANCE COMMERCIAL BANKS COMPENSATION CONTRACT ENFORCEMENT CORPORATE GOVERNANCE COVERAGE CREDIT UNIONS CROSS- COUNTRY EXPERIENCE DEBT DEFAULT RISK DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COSTS DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITOR PROTECTION DEPOSITORS DEPOSITS ECONOMIC GROWTH FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL MARKETS FINANCIAL POLICIES FINANCIAL STABILITY FINANCING MECHANISMS FOREIGN CURRENCY DEPOSITS GAMBLING GOVERNMENT GUARANTEES INDIRECT COST INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE COVERAGE INSURANCE DESIGN INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURED DEPOSITS INTEREST RATES INTEREST SENSITIVITY LIQUIDITY LOOTING MARKET DISCIPLINE MITIGATION MORAL HAZARD NET LOSS PROBABILITY OF DEFAULT PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION PRUDENTIAL REGULATIONS PUBLIC DEBT REGULATORY FORBEARANCE RESERVES RISK FACTORS RISK PREMIUMS SAFETY NET POLICIES SAFETY NETS SAVINGS SAVINGS BANKS SHAREHOLDERS SMALL BANKS STABILIZATION STATISTICAL ANALYSIS STOCK PRICES SYSTEMIC BANKING CRISES THRIFT INSTITUTIONS TRANSPARENCY
spellingShingle	ACCOUNTABILITY ACCOUNTING ADMINISTRATIVE COSTS AUDITS BANK CAPITAL BANK DEPOSITS BANK HOLDING COMPANIES BANK PERFORMANCE BANK RISK BANK RUNS BANK SOLVENCY BANKING CRISIS BANKING REGULATION BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKRUPTCY BANKS BLANKET DEPOSIT GUARANTEES BLANKET DEPOSIT INSURANCE CAPITAL FLIGHT CAPITAL STANDARDS CDS CENTRAL BANK COINSURANCE COMMERCIAL BANKS COMPENSATION CONTRACT ENFORCEMENT CORPORATE GOVERNANCE COVERAGE CREDIT UNIONS CROSS- COUNTRY EXPERIENCE DEBT DEFAULT RISK DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COSTS DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITOR PROTECTION DEPOSITORS DEPOSITS ECONOMIC GROWTH FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL MARKETS FINANCIAL POLICIES FINANCIAL STABILITY FINANCING MECHANISMS FOREIGN CURRENCY DEPOSITS GAMBLING GOVERNMENT GUARANTEES INDIRECT COST INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE COVERAGE INSURANCE DESIGN INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURED DEPOSITS INTEREST RATES INTEREST SENSITIVITY LIQUIDITY LOOTING MARKET DISCIPLINE MITIGATION MORAL HAZARD NET LOSS PROBABILITY OF DEFAULT PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION PRUDENTIAL REGULATIONS PUBLIC DEBT REGULATORY FORBEARANCE RESERVES RISK FACTORS RISK PREMIUMS SAFETY NET POLICIES SAFETY NETS SAVINGS SAVINGS BANKS SHAREHOLDERS SMALL BANKS STABILIZATION STATISTICAL ANALYSIS STOCK PRICES SYSTEMIC BANKING CRISES THRIFT INSTITUTIONS TRANSPARENCY Demirguc-Kunt, Asli Kane, Edward J. Deposit Insurance Around the Globe : Where Does It Work?
relation	Policy Research Working Paper;No. 2679
description	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. The authors 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 addresing weaknesses in their informational and supervisory environments.
format	Publications & Research :: Policy Research Working Paper
author	Demirguc-Kunt, Asli Kane, Edward J.
author_facet	Demirguc-Kunt, Asli Kane, Edward J.
author_sort	Demirguc-Kunt, Asli
title	Deposit Insurance Around the Globe : Where Does It Work?
title_short	Deposit Insurance Around the Globe : Where Does It Work?
title_full	Deposit Insurance Around the Globe : Where Does It Work?
title_fullStr	Deposit Insurance Around the Globe : Where Does It Work?
title_full_unstemmed	Deposit Insurance Around the Globe : Where Does It Work?
title_sort	deposit insurance around the globe : where does it work?
publisher	World Bank, Washington, DC
publishDate	2014
url	http://documents.worldbank.org/curated/en/2001/09/1614729/deposit-insurance-around-globe-work-vol-1-4 http://hdl.handle.net/10986/19549
_version_	1764439969460387840

Deposit Insurance Around the Globe : Where Does It Work?

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