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Deposits insurance during EU accession

Author

Listed:
  • K. Dimitrova
  • Nikolay Nenovsky

    () (LEO - Laboratoire d'Economie d'Orléans - Université - CNRS - Centre National de la Recherche Scientifique)

Abstract

The paper presents a brief review of the systems of deposit insurance in accession countries, comparing their level of harmonization with the perspective of their EU integration. Studying the different practices of deposit insurance in the context of developing financial safety nets in future Europe we have found that: (i) there is overinsurance of deposits in accession countries, and (ii) that this could lead to increasing moral hazard, incentives deformation and increasing costs of banking intermediation in the whole euro area.
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Suggested Citation

  • K. Dimitrova & Nikolay Nenovsky, 2003. "Deposits insurance during EU accession," Post-Print halshs-00259788, HAL.
  • Handle: RePEc:hal:journl:halshs-00259788
    Note: View the original document on HAL open archive server: https://halshs.archives-ouvertes.fr/halshs-00259788
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    References listed on IDEAS

    as
    1. Asli Demirgüç-Kunt & Edward J. Kane, 2004. "Deposit Insurance: Handle with Care," Central Banking, Analysis, and Economic Policies Book Series,in: Luis Antonio Ahumada & J. Rodrigo Fuentes & Norman Loayza (Series Editor) & Klaus Schmidt-Hebbel (Se (ed.), Banking Market Structure and Monetary Policy, edition 1, volume 7, chapter 12, pages 345-358 Central Bank of Chile.
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    4. Huizinga, Harry & Nicodeme, Gaetan, 2006. "Deposit insurance and international bank liabilities," Journal of Banking & Finance, Elsevier, vol. 30(3), pages 965-987, March.
    5. Douglas W. Diamond & Philip H. Dybvig, 2000. "Bank runs, deposit insurance, and liquidity," Quarterly Review, Federal Reserve Bank of Minneapolis, issue Win, pages 14-23.
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    9. Dow, Sheila C, 1996. "Why the Banking System Should Be Regulated," Economic Journal, Royal Economic Society, vol. 106(436), pages 698-707, May.
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    11. 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.
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    14. Dowd, Kevin, 1996. "The Case for Financial Laissez-Faire," Economic Journal, Royal Economic Society, vol. 106(436), pages 679-687, May.
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    17. Demirguc-Kunt, Asli & Karacaovali, Baybars & Laeven, Luc, 2005. "Deposit insurance around the world : a comprehensive database," Policy Research Working Paper Series 3628, The World Bank.
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    Citations

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    Cited by:

    1. Karligash Kenjegalieva & Richard Simper & Thomas Weyman-Jones, 2009. "Efficiency of transition banks: inter-country banking industry trends," Applied Financial Economics, Taylor & Francis Journals, vol. 19(19), pages 1531-1546.
    2. Djurdjica Ognjenovic, 2006. "Basic Principles of Financial Planning in Ex-ante Deposit Insurance Schemes," Financial Theory and Practice, Institute of Public Finance, vol. 30(4), pages 369-380.
    3. Valeriya Dinger & Jürgen Von Hagen, 2009. "Does Interbank Borrowing Reduce Bank Risk?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(2-3), pages 491-506, March.
    4. Eisenbeis, Robert A. & Kaufman, George G., 2008. "Cross-border banking and financial stability in the EU," Journal of Financial Stability, Elsevier, vol. 4(3), pages 168-204, September.
    5. Demirguc-Kunt, Asli & Kane, Edward J. & Laeven, Luc, 2006. "Deposit insurance design and implementation : policy lessons from research and practice," Policy Research Working Paper Series 3969, The World Bank.

    More about this item

    Keywords

    Deposits; insurance; during; EU; accession;

    JEL classification:

    • G1 - Financial Economics - - General Financial Markets
    • P2 - Economic Systems - - Socialist Systems and Transition Economies

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