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The Design and Implementation of Deposit Insurance Systems

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Author Info

  • David S. Hoelscher
  • Michael Taylor
  • Ulrich H. Klueh

Abstract

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 country’s individual objectives in adopting a deposit insurance system, as well as that country’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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Bibliographic Info

Paper provided by International Monetary Fund in its series IMF Occasional Papers with number 251.

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Length: 88
Date of creation: 07 Dec 2006
Date of revision:
Handle: RePEc:imf:imfocp:251

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Postal: International Monetary Fund, Washington, DC USA
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Related research

Keywords: 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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Citations

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Cited by:
  1. International Monetary Fund, 2008. "Cross-Border Coordination of Prudential Supervision and Deposit Guarantees," IMF Working Papers 08/283, International Monetary Fund.
  2. Hardy, Daniel C. & Nieto, Maria J., 2011. "Cross-border coordination of prudential supervision and deposit guarantees," Journal of Financial Stability, Elsevier, Elsevier, vol. 7(3), pages 155-164, August.
  3. Veronika Holá & Petr Jakubík, 2011. "Impact of Parametric Changes in Deposit Insurance Schemes in 2008," Politická ekonomie, University of Economics, Prague, University of Economics, Prague, vol. 2011(5), pages 659-679.
  4. Daniel C. Hardy & María J. Nieto, 2011. "Cross-border coordination of prudential supervision And deposit guarantees," Banco de Espa�a Working Papers 1126, Banco de Espa�a.
  5. Hamada, Miki, 2011. "Market discipline by depositors : impact of deposit insurance on the Indonesian banking sector," IDE Discussion Papers, Institute of Developing Economies, Japan External Trade Organization(JETRO) 292, Institute of Developing Economies, Japan External Trade Organization(JETRO).
  6. David G. Mayes, 2008. "Avoiding the Next Crisis," CESifo Forum, Ifo Institute for Economic Research at the University of Munich, Ifo Institute for Economic Research at the University of Munich, vol. 9(4), pages 44-50, December.
  7. P.E. Morris, 2010. "Bank failure and deposit protection in offshore Britain: the case of Guernsey," Journal of Financial Regulation and Compliance, Emerald Group Publishing, Emerald Group Publishing, vol. 18(3), pages 272-292, July.
  8. Michiel Bijlsma & Karen van der Wiel, 2012. "What Awareness? Consumer Perception of Bank Risk and Deposit Insurance," CPB Discussion Paper 205, CPB Netherlands Bureau for Economic Policy Analysis.

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