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Deposit Insurance


  • Ronald MacDonald


This Handbook aims to give practical guidance on the essential questions which have to be addressed in the establishment of deposit insurance schemes. It examines the rationale for deposit insurance and the risk that insurance creates moral hazard. It then discusses the differences between formal deposit insurance schemes and implicit (or ad hoc)arrangements for depositor insurance, and the feasibility of private insurance. After describing different types of scheme it deals with more detailed matters such as triggers for the payment of compensation, the selection of those categories of deposit which are to be protected, compensation ceilings and co-insurance. Finally, it discusses the financing of compensation payments and administrative arrangements. This handbook is also available in Russian and Spanish.

Suggested Citation

  • Ronald MacDonald, 1996. "Deposit Insurance," Handbooks, Centre for Central Banking Studies, Bank of England, number 9.
  • Handle: RePEc:ccb:hbooks:9

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    Cited by:

    1. Bojidar Bojinov, 2003. "The Deposit Insurance in Bulgaria: Is the time for change?," Finance 0310013, University Library of Munich, Germany.

    More about this item


    Deposit insurance;

    JEL classification:

    • 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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