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Les modèles d’assurance des dépôts. Présentation du nouveau système en vigueur en France

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  • Vitchett Oung
  • Sylvie Mathérat
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    Abstract

    [fre] Bien qu’en théorie un système de garantie des dépôts soit redondant avec des normes d’adéquation des fonds propres, l’expérience a montré qu’un système combinant les deux approches était nécessaire au maintien de la stabilité financière globale. Les modalités respectives de ces types de réglementation varient actuellement selon les pays concernés. Cependant, s’agissant des systèmes de garantie des dépôts, les modèles mettant en oeuvre des primes d’assurance proportionnelles aux risques, qui constituent les dispositifs les plus efficaces, mais aussi les plus coûteux à maintenir, se développent. À cet égard, le nouveau système français de garantie des dépôts se situe dans cette logique, en instituant des primes fondées, bien sûr, sur le montant des dépôts, mais également proportionnelles aux risques générés par les établissements. Ces risques sont estimés en fonction de différents paramètres : la solvabilité, la rentabilité d’exploitation, la division des risques et la transformation. . Classification JEL : G28 [eng] Deposit insurance . Although deposit insurance schemes are theoretically redundant with capital adequacy standards, experience showed that a system combining both approaches was necessary in maintaining financial stability. Applications of regulations on the subject vary in countries concerned. As regards deposit insurance schemes however, models implementing risk related premium - more effective but more costly to maintain - are developing. The new French deposit insurance scheme is in line with this trend, by establishing deposit insurance premia which are based not only on deposits but also on the level of risk specific to each credit institution. The level of risk is determined by different parameters which are solvency, profitability, risk diversification and transformation. . Classification JEL : G28

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    Article provided by Programme National Persée in its journal Revue d'économie financière.

    Volume (Year): 60 (2000)
    Issue (Month): 5 ()
    Pages: 225-236

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    Handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_60_5_3659

    Note: DOI:10.3406/ecofi.2000.3659
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    Web page: http://www.persee.fr/web/revues/home/prescript/revue/ecofi

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    1. Paul H. Kupiec & James M. O'Brien, 1997. "Deposit insurance, bank incentives, and the design of regulatory policy," Finance and Economics Discussion Series 1998-10, Board of Governors of the Federal Reserve System (U.S.).
    2. Kendall, Sarah B. & Levonian, Mark E., 1991. "A simple approach to better deposit insurance pricing," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 999-1018, September.
    3. Berlin, Mitchell & Saunders, Anthony & Udell, Gregory F., 1991. "Deposit insurance reform: What are the issues and what needs to be fixed?," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 735-752, September.
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