Determinants of Deposit-Insurance Adoption and Design

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...

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Main Authors:	Demirgüç-Kunt, Asli, Kane, Edward J., Laeven, Luc
Format:	Policy Research Working Paper
Language:	English
Published:	World Bank, Washington, DC 2012
Subjects:	ACCOUNTABILITY BANK DEPOSITS BANK REGULATION BANK RISK BANKING CRISES BANKING CRISIS BANKING PANICS BANKING SECTOR BANKING SYSTEM BENCHMARK CAPITALIZATION COINSURANCE CONFIDENCE IN BANKS COVERAGE DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS ECONOMICS ENDOGENOUS VARIABLES FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL INTERMEDIATION FINANCIAL SECTOR FOREIGN CURRENCY DEPOSITS GDP GDP PER CAPITA GROWTH RATE INCOME GROUPS INFLATION INSOLVENCY INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE INSURANCE AGENCIES INSURANCE BENEFITS INSURANCE DESIGN INSURANCE SYSTEM INTEGRITY MACROECONOMIC CONDITIONS MACROECONOMIC SHOCKS MARKET DISCIPLINE MONETARY POLICY MORAL HAZARD NATIONAL ECONOMY OWNERSHIP STRUCTURE POLITICAL ECONOMY PREDICTIONS PRIVATE BANKS PRIVATIZATION RATES REAL GDP REAL INTEREST RATE REGULATORY SYSTEMS RESERVE BANK OF NEW ZEALAND STATISTICAL ANALYSIS VOTERS
Online Access:	http://documents.worldbank.org/curated/en/2006/02/6600507/determinants-deposit-insurance-adoption-design http://hdl.handle.net/10986/8744

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spelling	okr-10986-87442021-04-23T14:02:40Z Determinants of Deposit-Insurance Adoption and Design Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc ACCOUNTABILITY BANK DEPOSITS BANK REGULATION BANK RISK BANKING CRISES BANKING CRISIS BANKING PANICS BANKING SECTOR BANKING SYSTEM BENCHMARK CAPITALIZATION COINSURANCE CONFIDENCE IN BANKS COVERAGE DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS ECONOMICS ENDOGENOUS VARIABLES FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL INTERMEDIATION FINANCIAL SECTOR FOREIGN CURRENCY DEPOSITS GDP GDP PER CAPITA GROWTH RATE INCOME GROUPS INFLATION INSOLVENCY INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE INSURANCE AGENCIES INSURANCE BENEFITS INSURANCE DESIGN INSURANCE SYSTEM INTEGRITY MACROECONOMIC CONDITIONS MACROECONOMIC SHOCKS MARKET DISCIPLINE MONETARY POLICY MORAL HAZARD NATIONAL ECONOMY OWNERSHIP STRUCTURE POLITICAL ECONOMY PREDICTIONS PRIVATE BANKS PRIVATIZATION RATES REAL GDP REAL INTEREST RATE REGULATORY SYSTEMS RESERVE BANK OF NEW ZEALAND STATISTICAL ANALYSIS VOTERS 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. 2012-06-21T22:39:17Z 2012-06-21T22:39:17Z 2006-02 http://documents.worldbank.org/curated/en/2006/02/6600507/determinants-deposit-insurance-adoption-design http://hdl.handle.net/10986/8744 English Policy Research Working Paper; No. 3849 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank 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
topic	ACCOUNTABILITY BANK DEPOSITS BANK REGULATION BANK RISK BANKING CRISES BANKING CRISIS BANKING PANICS BANKING SECTOR BANKING SYSTEM BENCHMARK CAPITALIZATION COINSURANCE CONFIDENCE IN BANKS COVERAGE DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS ECONOMICS ENDOGENOUS VARIABLES FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL INTERMEDIATION FINANCIAL SECTOR FOREIGN CURRENCY DEPOSITS GDP GDP PER CAPITA GROWTH RATE INCOME GROUPS INFLATION INSOLVENCY INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE INSURANCE AGENCIES INSURANCE BENEFITS INSURANCE DESIGN INSURANCE SYSTEM INTEGRITY MACROECONOMIC CONDITIONS MACROECONOMIC SHOCKS MARKET DISCIPLINE MONETARY POLICY MORAL HAZARD NATIONAL ECONOMY OWNERSHIP STRUCTURE POLITICAL ECONOMY PREDICTIONS PRIVATE BANKS PRIVATIZATION RATES REAL GDP REAL INTEREST RATE REGULATORY SYSTEMS RESERVE BANK OF NEW ZEALAND STATISTICAL ANALYSIS VOTERS
spellingShingle	ACCOUNTABILITY BANK DEPOSITS BANK REGULATION BANK RISK BANKING CRISES BANKING CRISIS BANKING PANICS BANKING SECTOR BANKING SYSTEM BENCHMARK CAPITALIZATION COINSURANCE CONFIDENCE IN BANKS COVERAGE DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS ECONOMICS ENDOGENOUS VARIABLES FEDERAL DEPOSIT INSURANCE FEDERAL DEPOSIT INSURANCE CORPORATION FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL INTERMEDIATION FINANCIAL SECTOR FOREIGN CURRENCY DEPOSITS GDP GDP PER CAPITA GROWTH RATE INCOME GROUPS INFLATION INSOLVENCY INSTITUTIONAL DEVELOPMENT INSTITUTIONAL ENVIRONMENT INSURANCE INSURANCE AGENCIES INSURANCE BENEFITS INSURANCE DESIGN INSURANCE SYSTEM INTEGRITY MACROECONOMIC CONDITIONS MACROECONOMIC SHOCKS MARKET DISCIPLINE MONETARY POLICY MORAL HAZARD NATIONAL ECONOMY OWNERSHIP STRUCTURE POLITICAL ECONOMY PREDICTIONS PRIVATE BANKS PRIVATIZATION RATES REAL GDP REAL INTEREST RATE REGULATORY SYSTEMS RESERVE BANK OF NEW ZEALAND STATISTICAL ANALYSIS VOTERS Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc Determinants of Deposit-Insurance Adoption and Design
relation	Policy Research Working Paper; No. 3849
description	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.
format	Publications & Research :: Policy Research Working Paper
author	Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc
author_facet	Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc
author_sort	Demirgüç-Kunt, Asli
title	Determinants of Deposit-Insurance Adoption and Design
title_short	Determinants of Deposit-Insurance Adoption and Design
title_full	Determinants of Deposit-Insurance Adoption and Design
title_fullStr	Determinants of Deposit-Insurance Adoption and Design
title_full_unstemmed	Determinants of Deposit-Insurance Adoption and Design
title_sort	determinants of deposit-insurance adoption and design
publisher	World Bank, Washington, DC
publishDate	2012
url	http://documents.worldbank.org/curated/en/2006/02/6600507/determinants-deposit-insurance-adoption-design http://hdl.handle.net/10986/8744
_version_	1764405937145118720

Determinants of Deposit-Insurance Adoption and Design

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