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The EU Deposit Insurance Directive: Does One Size Fit All?

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Author Info
Huizinga, Harry

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Abstract

The EU deposit insurance directive requires member states to maintain deposit insurance with a minimum insured amount of 20,000 euros. This paper reviews the rationale for international coordination of deposit insurance policies. For international externalities of deposit insurance policies to exist, there has to be international ownership of either bank deposits or bank shares. On both counts, EU banking markets are currently highly integrated. The minimum coverage of 20,000 euros imposes costs if it forces some countries to 'overinsure' deposits. From a national perspective, the deposit insurance directive does not appear to result in overinsurance in the EU-15, but there may be overinsurance in several of the new member states.

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Paper provided by C.E.P.R. Discussion Papers in its series CEPR Discussion Papers with number 5277.

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Date of creation: Oct 2005
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Handle: RePEc:cpr:ceprdp:5277

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Related research
Keywords: deposit insurance international coordination

Find related papers by JEL classification:
F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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  1. Edward J. Kane, 2006. "Inadequacy of Nation-Based and VaR-Based Safety Nets in the European Union," NBER Working Papers 12170, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  2. Santiago Carbo-Valverde & Edward J. Kane & Francisco Rodriguez-Fernandez, 2008. "Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries," NBER Working Papers 13782, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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This page was last updated on 2008-10-11.


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