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Regulacyjne granice stabilnosci depozytow gospodarstw domowych

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  • Katarzyna Kochaniak

    (Uniwersytet Ekonomiczny w Krakowie)

Abstract

This paper presents the problem of regulatory thresholds of household deposit stability in 15 euro area countries. Its aim is to confront the adopted solutions with proposals of the European Banking Authority and identify the areas which need re-regulation. The paper pays attention to deposits identified by the EBA as “high value deposits” and “very high value deposits” and proves greater availability of the first ones, which have been abandoned in the current regulations. Moreover, it shows their importance as funding for credit institutions. In the case of very high value deposits, their occurrence appears as occasional but significant in terms of their shares in all deposits declared by households in selected member states. The nature of both considered categories is assessed as sensitive due to their saving character, which increases the risk of outflows in periods of stress.

Suggested Citation

  • Katarzyna Kochaniak, 2017. "Regulacyjne granice stabilnosci depozytow gospodarstw domowych," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 15(66), pages 37-52.
    • Handle: RePEc:sgm:pzwzuw:v:15:i:66:y:2017:p:37-52
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    References listed on IDEAS

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    More about this item

    Keywords

    household deposits; high value deposits; very high value deposits; funding stability of credit institutions; deposit guarantee schemes;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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