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L’assurance des dépôts, un instrument de la régulation bancaire

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  • Christophe-Alain Morel
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    Abstract

    [fre] Après avoir rappelé les justifications économiques d’une régulation du secteur bancaire, cet article s’attache à l’un des instruments de cette régulation, l’assurance des dépôts. En offrant une protection aux déposants, l’assurance des dépôts permettrait de prévenir les paniques bancaires, susceptibles de provoquer une crise systémique. . Classification JEL : G28 [eng] Deposit insurance, an instrument of banks regulation . After reminding of the economic justifications of bank regulation, this paper pays particular attention to one of the instruments of this regulation, the deposit insurance. While offering a protection to the depositors, the deposit insurance would allow to prevent bank runs and thus reduce the occurrence probability of a systemic crisis. We present the features of such a scheme identified as « optimal » in the academic literature in the sense that they avoid moral hazard and adverse selection phenomena. Thus, ideally, the system should be public and compulsory for all banks ; the guarantee should be limited and all-in price ; the premium paid by the banks should directly depends on each bank’s risk level. . Classification JEL : G28

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    File URL: http://dx.doi.org/doi:10.3406/ecofi.2000.3660
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    Bibliographic Info

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

    Volume (Year): 60 (2000)
    Issue (Month): 5 ()
    Pages: 237-248

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    Handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_60_5_3660

    Note: DOI:10.3406/ecofi.2000.3660
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    Web page: http://www.persee.fr/web/revues/home/prescript/revue/ecofi

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    1. Black, Fischer & Scholes, Myron S, 1973. "The Pricing of Options and Corporate Liabilities," Journal of Political Economy, University of Chicago Press, vol. 81(3), pages 637-54, May-June.
    2. Diamond, Douglas W & Dybvig, Philip H, 1983. "Bank Runs, Deposit Insurance, and Liquidity," Journal of Political Economy, University of Chicago Press, vol. 91(3), pages 401-19, June.
    3. Yuk-Shee Chan & Stuart I. Greenbaum & Anjan V. Thakor, 2004. "Is Fairly Priced Deposit Insurance Possible?," Finance 0411018, EconWPA.
    4. W. R. M. Perraudin & Steven M. Fries, 1991. "Banking Policy and the Pricing of Deposit Guarantees," IMF Working Papers 91/131, International Monetary Fund.
    5. Rebel A. Cole & Jeffery W. Gunther, 1995. "FIMS: a new monitoring system for banking institutions," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Jan, pages 1-15.
    6. G. G. Garcia, 1999. "Deposit Insurance," IMF Working Papers 99/54, International Monetary Fund.
    7. Alonso, Irasema, 1996. "On avoiding bank runs," Journal of Monetary Economics, Elsevier, vol. 37(1), pages 73-87, February.
    8. Duan, J.-C. & Simonato, J.-G., 1998. "The Estimation of Deposit Insurance with Interest Rate Risk," Ecole des Hautes Etudes Commerciales de Montreal- 98-07, Ecole des Hautes Etudes Commerciales de Montreal-Chaire de gestion des risques..
    9. Rebel Cole & Jeffery Gunther, 1998. "Predicting Bank Failures: A Comparison of On- and Off-Site Monitoring Systems," Journal of Financial Services Research, Springer, vol. 13(2), pages 103-117, April.
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