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Deposit Insurance and International Bank Deposits

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  • Huizinga, Harry
  • Nicodeme, Gaetan

Abstract

This Paper examines how international depositors respond to national deposit insurance policies. Countries with explicit deposit insurance are found to be relatively attractive to international non-bank depositors. Schemes characterized by co-insurance, a private administration, and a low deposit insurance premium appear to be particularly favoured by these depositors. The sensitivity of non-bank deposits to deposit insurance policies opens up the possibility of international regulatory competition in this area. The EU directive on deposit insurance imposes minimum standards on national deposit insurance policies. This directive, however, is silent on several important features of deposit insurance such as the level of the deposit insurance premium. Hence, it may not preclude regulatory competition in Europe.

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Bibliographic Info

Paper provided by C.E.P.R. Discussion Papers in its series CEPR Discussion Papers with number 3244.

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Date of creation: Mar 2003
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Handle: RePEc:cpr:ceprdp:3244

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Keywords: deposit insurance; international deposits;

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References

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  1. Gropp, Reint & Vesala, Jukka, 2001. "Deposit insurance and moral hazard: does the counterfactual matter?," Working Paper Series 0047, European Central Bank.
  2. Huizinga, H.P. & Nicodeme, G., 2004. "Are international deposits tax-driven?," Open Access publications from Tilburg University urn:nbn:nl:ui:12-142606, Tilburg University.
  3. Asli Demirgüç-Kunt & Enrica Detragiache, 2000. "Does Deposit Insurance Increase Banking System Stability?," IMF Working Papers 00/3, International Monetary Fund.
  4. Demirguc-Kunt, Asli & Huizinga, Harry, 1999. "Market Discipline and Financial Safety Net Design," CEPR Discussion Papers 2311, C.E.P.R. Discussion Papers.
  5. Rafael LaPorta & Florencio Lopez-de-Silanes & Andrei Shleifer & Robert W. Vishny, . "Legal Determinants of External Finance," Working Paper 19443, Harvard University OpenScholar.
  6. G. G. Garcia, 1999. "Deposit Insurance," IMF Working Papers 99/54, International Monetary Fund.
  7. repec:fth:eeccco:152 is not listed on IDEAS
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Citations

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Cited by:
  1. Engineer, Merwan H. & Schure, Paul & Gillis, Mark, 2013. "A positive analysis of deposit insurance provision: Regulatory competition among European Union countries," Journal of Financial Stability, Elsevier, vol. 9(4), pages 530-544.
  2. Nikolay Nenovsky & Kalina Dimitrova, 2003. "Deposit Insurance During EU Accession," William Davidson Institute Working Papers Series 2003-617, William Davidson Institute at the University of Michigan.
  3. Huizinga, H.P., 2003. "Comment on 'European banking, past, present, and future'," Open Access publications from Tilburg University urn:nbn:nl:ui:12-148675, Tilburg University.
  4. Schüler, Martin, 2003. "How Do Banking Supervisors Deal with Europe-wide Systemic Risk?," ZEW Discussion Papers 03-03, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research.
  5. Heinrich, Gregor, 2007. "El seguro de depósito dentro de la red de seguridad financiera
    [Deposit insurance within the financial safety-net]
    ," MPRA Paper 47444, University Library of Munich, Germany.
  6. Huizinga, H.P., 2004. "The taxation of banking in an integrating Europe," Open Access publications from Tilburg University urn:nbn:nl:ui:12-142609, Tilburg University.
  7. Kalina Dimitrova & Nikolay Nenovsky, 2003. "Assurance des dépôts bancaires durant l’accession à l’UE," Revue d'Économie Financière, Programme National Persée, vol. 72(3), pages 123-140.
  8. Veronika Holá & Petr Jakubík, 2011. "Impact of Parametric Changes in Deposit Insurance Schemes in 2008," Politická ekonomie, University of Economics, Prague, vol. 2011(5), pages 659-679.
  9. Reszat, Beate, 2003. "How has the European Monetary Integration Process Contributed to Regional Financial Market Integration?," HWWA Discussion Papers 221, Hamburg Institute of International Economics (HWWA).

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