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Deposit Insurance: Obtaining the Benefits and Avoiding the Pitfalls

Author

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  • Ms. G. G. Garcia

Abstract

The paper contrasts deposit protection with other forms of insurance, examines why goods and services of all kinds receive warranties and guarantees, and explores the particular characteristics of deposits and banks that merit deposit insurance. It examines a variety of reasons why countries choose to adopt systems of deposit insurance, the pitfalls that can arise from poorly designed schemes, and the features of a scheme that successfully avoids these pitfalls.

Suggested Citation

  • Ms. G. G. Garcia, 1996. "Deposit Insurance: Obtaining the Benefits and Avoiding the Pitfalls," IMF Working Papers 1996/083, International Monetary Fund.
    • Handle: RePEc:imf:imfwpa:1996/083
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    Citations

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    Cited by:

    1. Demirguc-Kunt, Asli & Detragiache, Enrica, 2002. "Does deposit insurance increase banking system stability? An empirical investigation," Journal of Monetary Economics, Elsevier, vol. 49(7), pages 1373-1406, October.
    2. Calomiris, Charles W., 1999. "Building an incentive-compatible safety net," Journal of Banking & Finance, Elsevier, vol. 23(10), pages 1499-1519, October.
    3. Ljubinko Jankov, 2000. "Banking Sector Problems: Causes, resolutions and consequences," Occasional paper series 10, Institute of Public Finance.
    4. Martin BROWNBRIDGE, 1998. "The Causes Of Financial Distress In Local Banks In Africa And Implications For Prudential Policy," UNCTAD Discussion Papers 132, United Nations Conference on Trade and Development.
    5. Aerdt Houben & Jan Kakes & Garry Schinasi, 2004. "Towards a framework for financial stability," DNB Occasional Studies 201, Netherlands Central Bank, Research Department.
    6. Anichul Hoque Khan & Kazi Nazrul Islam, 2012. "Power of a Deposit Insurance Scheme¡¯s Authority and a Banking Crisis," Journal of Business Administration Research, Journal of Business Administration Research, Sciedu Press, vol. 1(2), pages 88-98, October.
    7. Ojeabulu Uyi Michael & Chigbu E. Ezeji & Ozurumba A. Benedict & Kanu Success Ikechi, 2020. "Financial Ratios as Predictors of Financial Distress: A Study on Some Select Deposit Money Banks in Nigeria (1991-2014)," International Journal of Management Science and Business Administration, Inovatus Services Ltd., vol. 6(3), pages 29-42, March.
    8. Gillian Garcia & Henriëtte Prast, 2004. "Depositor and investor protection in the Netherlands: past, present and future," DNB Occasional Studies 202, Netherlands Central Bank, Research Department.
    9. Tomislav Galac, 2005. "Does Croatia Need Risk-Based Deposit Insurance Premia?," Surveys 10, The Croatian National Bank, Croatia.
    10. Patrick Honohan, 1998. "Diagnosing Banking System Failures in Developing Countries," Papers WP093, Economic and Social Research Institute (ESRI).
    11. Lee, Wai Sing & Kwok, Chuck C. Y., 2000. "Domestic and international practice of deposit insurance: a survey," Journal of Multinational Financial Management, Elsevier, vol. 10(1), pages 29-62, January.
    12. Ljubinko Jankov, 2000. "Banking Sector Problems: Causes, Solutions and Consequences," Surveys 1, The Croatian National Bank, Croatia.
    13. Christopher, Gandrud, 2011. "Competing risks analysis and deposit insurance governance convergence," MPRA Paper 36087, University Library of Munich, Germany.
    14. Schweickert, Rainer, 1998. "Chancen und Risiken eines Currency Board Systems," Open Access Publications from Kiel Institute for the World Economy 1786, Kiel Institute for the World Economy (IfW Kiel).
    15. Anichul Khan & Hasnat Dewan, 2011. "Deposit insurance scheme and banking crises: a special focus on less-developed countries," Empirical Economics, Springer, vol. 41(1), pages 155-182, August.
    16. Asli Demirgüç-Kunt & Ms. Enrica Detragiache, 1997. "The Determinants of Banking Crises: Evidence From Developing and Developed Countries," IMF Working Papers 1997/106, International Monetary Fund.
    17. Stern, Gary H., 1998. "Government safety nets, banking system stability, and economic development," Journal of Asian Economics, Elsevier, vol. 9(1), pages 21-29.

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