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Assurance des dépôts bancaires durant l’accession à l’UE



[eng] Deposit insurance during EU accession . The paper presents a brief review of the systems of deposit insurance in accession countries, comparing their level of harmonization with the perspective of their EU integration. Studying the different practices of deposit insurance in the context of developing financial safety nets in future Europe, we have found that : (1) . there is overinsurance of deposits in accession countries, and (2) that this could lead to increasing moral hazard, incentives deformation and increasing costs of banking intermediation in the whole Euro area. . JEL classifications : G1, P2 [fre] Le présent rapport présente un bref aperçu des systèmes d'assurance des dépôts bancaires dans les pays d'accession et effectue une comparaison de leur niveau d'harmonisation dans la perspective de leur intégration à l'UE. En analysant les différentes pratiques en matière d'assurance des dépôts bancaires dans le contexte du développement de filets de sécurité financière dans la future Europe, nous avons trouvé que : (1) . il y a une sur-assurance des dépôts dans les pays d'accession, et (2) ceci pourrait se traduire par un aléa moral accru, une déformation des incitations et une augmentation des frais d'intermédiation bancaire dans toute la zone euro. . Classification JEL : G1, P2

Suggested Citation

  • Nikolay Nenovsky & Kalina Dimitrova, 2003. "Assurance des dépôts bancaires durant l’accession à l’UE," Revue d'Économie Financière, Programme National Persée, vol. 72(3), pages 123-140.
  • Handle: RePEc:prs:recofi:ecofi_0987-3368_2003_num_72_3_4874
    Note: DOI:10.3406/ecofi.2003.4874

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    References listed on IDEAS

    1. Alexander Y Kyei, 1995. "Deposit Protection Arrangements; A Survey," IMF Working Papers 95/134, International Monetary Fund.
    2. Huizinga, Harry & Nicodeme, Gaetan, 2006. "Deposit insurance and international bank liabilities," Journal of Banking & Finance, Elsevier, vol. 30(3), pages 965-987, March.
    3. Benston, George J & Kaufman, George G, 1996. "The Appropriate Role of Bank Regulation," Economic Journal, Royal Economic Society, vol. 106(436), pages 688-697, May.
    4. Richard Dale, 2000. "Deposit Insurance in Theory and Practice," Chapters in SUERF Studies, SUERF - The European Money and Finance Forum.
    5. Hermes, Niels & Lensink, Robert, 2000. "Financial system development in transition economies," Journal of Banking & Finance, Elsevier, vol. 24(4), pages 507-524, April.
    6. Dow, Sheila C, 1996. "Why the Banking System Should Be Regulated," Economic Journal, Royal Economic Society, vol. 106(436), pages 698-707, May.
    7. Calomiris, Charles W., 1999. "Building an incentive-compatible safety net," Journal of Banking & Finance, Elsevier, vol. 23(10), pages 1499-1519, October.
    8. Harry Huizinga & Gaëtan Nicodème, 2002. "Deposit insurance and international bank deposits," European Economy - Economic Papers 2008 - 2015 164, Directorate General Economic and Financial Affairs (DG ECFIN), European Commission.
    9. Erik Berglof & Patrick Bolton, 2002. "The Great Divide and Beyond: Financial Architecture in Transition," Journal of Economic Perspectives, American Economic Association, vol. 16(1), pages 77-100, Winter.
    10. Bonin, John & Wachtel, Paul, 2002. "Financial sector development in transition economies : Lessons from the first decade," BOFIT Discussion Papers 9/2002, Bank of Finland, Institute for Economies in Transition.
    11. David T. Llewellyn, 2001. "A regulatory regime for financial stability," Working Papers 48, Oesterreichische Nationalbank (Austrian Central Bank).
    12. Scholtens, Bert, 2000. "Financial regulation and financial system architecture in Central Europe," Journal of Banking & Finance, Elsevier, vol. 24(4), pages 525-553, April.
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    JEL classification:

    • G1 - Financial Economics - - General Financial Markets
    • P2 - Economic Systems - - Socialist Systems and Transition Economies
    • G1 - Financial Economics - - General Financial Markets
    • P2 - Economic Systems - - Socialist Systems and Transition Economies


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