The Design and Implementation of Deposit Insurance Systems

This paper describes recently established deposit insurance systems, identifying emerging trends. In line with previous IMF work on the subject, it argues against the development of "best practices" applicable to all systems. Rather, it stresses the importance of incorporating each countryâ€™s individual objectives in adopting a deposit insurance system, as well as that countryâ€™s characteristics, to ensure an effective system that minimizes disincentives and distortions to financial sector intermediation. The paper includes a summary of the academic literature.

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Year of publication:	2006-12-07
Authors:	Hoelscher, David S. ; Taylor, Michael ; Klueh, Ulrich H.
Institutions:	International Monetary Fund (IMF)
Subject:	Deposit insurance \| insurance system \| banking \| insurance systems \| deposit insurance systems \| bank supervisor \| banking system \| coinsurance \| banking supervisor \| moral hazard \| risk taking \| deposit guarantee \| bank failures \| bankers \| deposit insurance scheme \| banking crises \| subordinated debt \| insurance premiums \| insurance agencies \| banking systems \| banking sector \| depositor protection \| bank failure \| savings bank \| foreign exchange \| bank restructuring \| bankers? association \| national bank \| insurance law \| bank supervision \| banking institutions \| bank runs \| financial supervision \| insurance premium \| legal framework \| risk assessment \| bank safety \| bank governor \| banking supervision \| monetary authority \| savings account \| insurance design \| bank securities \| securities markets \| capital adequacy \| risk of loss \| bank rehabilitation \| bankruptcy law \| banking industry \| insurance companies \| bankers association \| banks? guarantee fund \| financial safety net \| bank deposit \| bank safety net \| banking crisis \| federal failure resolution \| macroeconomic stability \| banking practices \| market forces \| contingent liabilities \| deposit insurance premium \| bank owners \| capital base \| bank representatives \| risk premium \| banker \| bank guarantee \| bank branches \| insurance risk \| bank debentures \| bank insolvency \| banking regulation \| bank supervisors \| bank deposits \| bank of slovenia \| bank liquidations \| banking business \| banking law \| investment insurance \| bank insurance fund \| bank insurance \| transition economies \| insurance coverage \| bank savings protection \| deposit insurance coverage \| financial systems \| unsound practices \| bank activities \| consolidated supervision \| bank profitability \| bank regulatory agency \| bank intervention \| retained earnings \| bank officials \| consumer protection \| bank regulators \| insurance contributions \| bank management \| bank reserves \| risk profiles \| banking system concentration \| bank instruments \| emerging markets \| liquid asset \| bank supervisory authority \| banks? liabilities \| bank performance \| insurance supervisors \| bank policy \| bank of korea \| banking activities \| pension funds \| banking transactions \| banknotes \| implicit systems \| bank safety nets \| banking services \| bank of tanzania \| small bank \| bank fragility \| banking system assets \| savings association \| banking system stability \| banking supervisors \| bank liabilities \| bank of israel \| bank liquidation \| private bank \| bank transactions \| bank secrecy law \| bankers? associations \| bank shareholders \| bank secrecy \| supervisory infrastructure \| bank commissioners \| banking system liabilities \| bank examinations \| banks guarantee fund \| bank managers \| capital adequacy ratio \| bank for international settlements \| state enterprise \| bank of latvia \| prudential bank supervision \| bank deposit guarantee \| bank depositor \| prudential regulation \| bank records \| banking experts \| bankers? acceptances \| bank of portugal \| risk-weighted assets \| independent bank

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Extent:	application/pdf
Series:	IMF Occasional Papers.
Type of publication:	Book / Working Paper
Notes:	The text is part of a series Occasional Papers Number 251 8 pages long
Source:	RePEc - Research Papers in Economics

Persistent link: https://www.econbiz.de/10005590854