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Deposit Insurance; Obtaining the Benefits and Avoiding the Pitfalls

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  • 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

  • G. G. Garcia, 1996. "Deposit Insurance; Obtaining the Benefits and Avoiding the Pitfalls," IMF Working Papers 96/83, International Monetary Fund.
  • Handle: RePEc:imf:imfwpa:96/83
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    Cited by:

    1. Asli Demirgüç-Kunt & Enrica Detragiache, 1997. "The Determinants of Banking Crises; Evidence From Developing and Developed Countries," IMF Working Papers 97/106, International Monetary Fund.
    2. 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.
    3. 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).
    4. Calomiris, Charles W., 1999. "Building an incentive-compatible safety net," Journal of Banking & Finance, Elsevier, vol. 23(10), pages 1499-1519, October.
    5. Ljubinko Jankov, 2000. "Banking Sector Problems: Causes, Solutions and Consequences," Surveys 1, The Croatian National Bank, Croatia.
    6. Stern, Gary H., 1998. "Government safety nets, banking system stability, and economic development," Journal of Asian Economics, Elsevier, vol. 9(1), pages 21-29.
    7. Tomislav Galac, 2005. "Does Croatia Need Risk-Based Deposit Insurance Premia?," Surveys 10, The Croatian National Bank, Croatia.
    8. Patrick Honohan, 1998. "Diagnosing Banking System Failures in Developing Countries," Papers WP093, Economic and Social Research Institute (ESRI).
    9. 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.

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