An Overview of France’s New Deposit Insurance System
[eng] Although deposit insurance schemes are theoretically redundant with capital adequacy standards, experience showed that a system combining both approaches was necessary in maintaining financial stability. Applications of regulations on the subject vary in countries concerned. As regards deposit insurance schemes however, models implementing risk related premium more effective but more costly to maintain are developing. The new French deposit insurance scheme is in line with this trend, by establishing deposit insurance premia which are based not only on deposits but also on the level of risk specific to each credit institution. The level of risk is determined by different parameters which are solvency, profitability, risk diversification and transformation. . JEL Classifications : G28
Volume (Year): 60 (2000)
Issue (Month): 5 ()
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- Paul H. Kupiec & James M. O'Brien, 1997.
"Deposit insurance, bank incentives, and the design of regulatory policy,"
Finance and Economics Discussion Series
1998-10, Board of Governors of the Federal Reserve System (U.S.).
- Paul H. Kupiec & James M. O'Brien, 1998. "Deposit insurance, bank incentives, and the design of regulatory policy," Economic Policy Review, Federal Reserve Bank of New York, issue Oct, pages 201-211.
- Berlin, Mitchell & Saunders, Anthony & Udell, Gregory F., 1991. "Deposit insurance reform: What are the issues and what needs to be fixed?," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 735-752, September.
- Kendall, Sarah B. & Levonian, Mark E., 1991. "A simple approach to better deposit insurance pricing," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 999-1018, September.
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