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Households' deposit insurance coverage: evidence and analysis of potential reforms

Listed author(s):
  • Arthur B. Kennickell
  • Myron L. Kwast
  • Martha Starr-McCluer

It is often suggested that reducing deposit insurance would reduce problems of moral hazard in the banking industry. However, little is known about likely effects of proposed reforms on household depositors. This study uses data from the Survey of Consumer Finances to examine the characteristics of household depositors, particularly those with uninsured funds. The authors find that large depositors tend to have substantial shares of their assets in insured depositories, yet often fail to keep their holdings within insurance limits. Various explanations for these factors are considered. The authors also simulate the effects of proposed reforms on the pool of uninsured depositors. Copyright 1996 by Ohio State University Press.

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Paper provided by Board of Governors of the Federal Reserve System (U.S.) in its series Finance and Economics Discussion Series with number 95-5.

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Date of creation: 1995
Handle: RePEc:fip:fedgfe:95-5
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