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Considerations Concerning Guarantee Schemes

Author

Listed:
  • CLIPICI Emilia

    (University of Pitesti)

  • FRANT Florin

    (Eftimie Murgu University of Resita)

Abstract

When a large withdrawal from banks occurs, customers withdraw their deposits, so banks are likely to go bankrupt because of liquidity problems. There are several mechanisms that allow the banking system to avoid the phenomenon of massive withdrawals from banks. The most effective one is the deposit insurance. The deposit insurance is seen primarily as a means of protecting depositors of credit institutions, and secondly as a means of ensuring the stability of the banking system. This article described deposit guarantee scheme in Romania and other country.

Suggested Citation

  • CLIPICI Emilia & FRANT Florin, 2013. "Considerations Concerning Guarantee Schemes," Anale. Seria Stiinte Economice. Timisoara, Faculty of Economics, Tibiscus University in Timisoara, vol. 0, pages 134-141, May.
    • Handle: RePEc:tdt:annals:v:xix:y:2013:p:134-141
    as

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    File URL: http://fse.tibiscus.ro/anale/Lucrari2013/Lucrari_vol_XIX_2013_021.pdf
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    References listed on IDEAS

    as
    1. 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.
    2. Gerhardt, Maria & Lannoo, Karel, 2011. "Options for reforming deposit protection schemes in the EU," ECRI Papers 4339, Centre for European Policy Studies.
    3. Demirguc-Kunt, Asli & Huizinga, Harry, 2004. "Market discipline and deposit insurance," Journal of Monetary Economics, Elsevier, vol. 51(2), pages 375-399, March.
    4. Huizinga, Harry & Nicodeme, Gaetan, 2006. "Deposit insurance and international bank liabilities," Journal of Banking & Finance, Elsevier, vol. 30(3), pages 965-987, March.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    deposit guarantee scheme; deposits; banking system;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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