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The Design and Implementation of Deposit Insurance Systems

Author

Listed:
  • David S. Hoelscher
  • Michael W Taylor
  • Ulrich H Klueh

Abstract

This paper describes recently established deposit insurance systems, identifying emerging trends. In line with previous IMF work on the subject, it argues against the development of "best practices" applicable to all systems. Rather, it stresses the importance of incorporating each country’s individual objectives in adopting a deposit insurance system, as well as that country’s characteristics, to ensure an effective system that minimizes disincentives and distortions to financial sector intermediation. The paper includes a summary of the academic literature.

Suggested Citation

  • David S. Hoelscher & Michael W Taylor & Ulrich H Klueh, 2006. "The Design and Implementation of Deposit Insurance Systems," IMF Occasional Papers 251, International Monetary Fund.
  • Handle: RePEc:imf:imfocp:251
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    File URL: http://www.imf.org/external/pubs/cat/longres.aspx?sk=18683
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    References listed on IDEAS

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    1. Angus Deaton & Guy Laroque, 1992. "On the Behaviour of Commodity Prices," Review of Economic Studies, Oxford University Press, pages 1-23.
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    Citations

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    Cited by:

    1. Daniel C. Hardy & María J. Nieto, 2011. "Cross-border coordination of prudential supervision And deposit guarantees," Working Papers 1126, Banco de España;Working Papers Homepage.
    2. P.E. Morris, 2010. "Bank failure and deposit protection in offshore Britain: the case of Guernsey," Journal of Financial Regulation and Compliance, Emerald Group Publishing, vol. 18(3), pages 272-292, July.
    3. 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, University of Economics, Prague, vol. 2011(5), pages 659-679.
    4. Michiel Bijlsma & Karen van der Wiel, 2012. "What Awareness? Consumer Perception of Bank Risk and Deposit Insurance," CPB Discussion Paper 205, CPB Netherlands Bureau for Economic Policy Analysis.
    5. Wong, Jim & Wong, Tak-Chuen & Leung, Phyllis, 2010. "Predicting banking distress in the EMEAP economies," Journal of Financial Stability, Elsevier, vol. 6(3), pages 169-179, September.
    6. Michiel Bijlsma & Karen Van Der Wiel, 2015. "Consumer perception of deposit insurance: little awareness, limited effectiveness?," Applied Economics, Taylor & Francis Journals, vol. 47(32), pages 3439-3461, July.
    7. A. Michael Andrews, 2014. "The role of deposit insurance in financial stability: issues and options in the ASEAN+3," Chapters,in: Global Shock, Risks, and Asian Financial Reform, chapter 11, pages 416-463 Edward Elgar Publishing.
    8. Fendel Ralf & Stremmel Hanno, 2016. "Characteristics of Banking Crises: A Comparative Study with Geographical Contagion," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 236(3), pages 349-388, May.
    9. Kleimeier S. & Qi S. & Sander H., 2015. "Deposit insurance in times of crises : safe haven or regulatory arbitrage?," Research Memorandum 026, Maastricht University, Graduate School of Business and Economics (GSBE).
    10. David G. Mayes, 2008. "Avoiding the Next Crisis," CESifo Forum, Ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 9(4), pages 44-50, December.
    11. Hamada, Miki, 2011. "Market discipline by depositors : impact of deposit insurance on the Indonesian banking sector," IDE Discussion Papers 292, Institute of Developing Economies, Japan External Trade Organization(JETRO).
    12. International Monetary Fund, 2008. "Cross-Border Coordination of Prudential Supervision and Deposit Guarantees," IMF Working Papers 08/283, International Monetary Fund.
    13. Hardy, Daniel C. & Nieto, Maria J., 2011. "Cross-border coordination of prudential supervision and deposit guarantees," Journal of Financial Stability, Elsevier, vol. 7(3), pages 155-164, August.

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