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Pojištení vkladu: soucasný stav, srovnání a perspektiva v kontextu EU / Credit Insurance: EU context [available in Czech only]

Czech laws on Deposit Guarantee-Schemes are characterized. It is described history of rise of the Czech Deposit Insurance Fund and dynamics of its basic characteristics. Czech deposit guarantee system is compared with the European system and with the European Directive on Deposit Guarantee-Schemes. It is calculated the effective rate of “taxation” by the compulsory payment to Czech Deposit Insurance Fund, which is (because of the very low interest rates in the Czech Republic) extremely high (about 30 – 40 %). Recommendations: 1) legislatively prevent politics from controlling the (private) financial funds in the system, 2) discard the audited firms from the Deposit Guarantee-Scheme and 3) decrease the amounts compulsorily paid by banks for deposits of small clients (deposits of households).

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Paper provided by Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies in its series Working Papers IES with number 2006/26.

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Length: 18 pages
Date of creation: Sep 2006
Date of revision: Sep 2006
Handle: RePEc:fau:wpaper:wp2006_26
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