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Deposit insurance and international bank deposits

Author

Listed:
  • Harry Huizinga
  • Gaëtan Nicodème

Abstract

This paper examines how international depositors respond to national deposit insurance policies. Countries with explicit deposit insurance are found to be relatively attractive to international non-bank depositors. Deposit schemes characterized by co-insurance, a private administration, and a low deposit insurance premium appear to be particularly favored by these depositors. The sensitivity of non-bank deposits to deposit insurance policies opens up the possibility of international regulatory competition in this area. The EU directive on deposit insurance imposes minimum standards on national deposit insurance policies. This directive, however, is silent on several important features of deposit insurance such as the level of the deposit insurance premium. Hence, it may not preclude regulatory competition in Europe.

Suggested Citation

  • 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.
    • Handle: RePEc:euf:ecopap:0164
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    Cited by:

    1. Harry Huizinga, 2004. "The Taxation of Banking in an Integrating Europe," International Tax and Public Finance, Springer;International Institute of Public Finance, vol. 11(4), pages 551-568, August.
    2. Veronika Holá & Petr Jakubík, 2011. "Evropské systémy pojištění vkladů: důsledky změn z roku 2008 [Impact of Parametric Changes in Deposit Insurance Schemes in 2008]," Politická ekonomie, Prague University of Economics and Business, vol. 2011(5), pages 659-679.
    3. Joãoo Valle e Azeved & Diana Bonfim, 2019. "Deposit Insurance and Cross-Border Banks," ifo DICE Report, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 17(01), pages 14-20, May.
    4. Engineer, Merwan H. & Schure, Paul & Gillis, Mark, 2013. "A positive analysis of deposit insurance provision: Regulatory competition among European Union countries," Journal of Financial Stability, Elsevier, vol. 9(4), pages 530-544.
    5. K. Dimitrova & Nikolay Nenovsky, 2003. "Deposits insurance during EU accession," Post-Print halshs-00259788, HAL.
    6. 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.
    7. Schüler, Martin, 2003. "How Do Banking Supervisors Deal with Europe-wide Systemic Risk?," ZEW Discussion Papers 03-03, ZEW - Leibniz Centre for European Economic Research.
    8. Heinrich, Gregor, 2007. "El seguro de depósito dentro de la red de seguridad financiera [Deposit insurance within the financial safety-net]," MPRA Paper 47444, University Library of Munich, Germany.
    9. Robert P. Gray, 2004. "Australia's Implicit Deposit Insurance — Should It Be Reconsidered?," Australian Accounting Review, CPA Australia, vol. 14(32), pages 41-52, March.
    10. Huizinga, H.P., 2003. "Comment on 'European banking, past, present, and future'," Other publications TiSEM c8499086-f8f7-4474-ab06-7, Tilburg University, School of Economics and Management.
    11. Reszat, Beate, 2003. "How Has the European Monetary Integration Process Contributed to Regional Financial Market Integration?," Discussion Paper Series 26179, Hamburg Institute of International Economics.
    12. Reszat, Beate, 2003. "How has the European Monetary Integration Process Contributed to Regional Financial Market Integration?," HWWA Discussion Papers 221, Hamburg Institute of International Economics (HWWA).
    13. 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.
    14. repec:ces:ifodic:v:17:y:2019:i:1:p:50000000005873 is not listed on IDEAS

    More about this item

    Keywords

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    JEL classification:

    • F34 - International Economics - - International Finance - - - International Lending and Debt Problems
    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation

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