Author : Asli Demirgüç-Kunt
Release : 2016
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Does Deposit Insurance Increase Banking System Stability? An Empirical Investigation - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Does Deposit Insurance Increase Banking System Stability? An Empirical Investigation write by Asli Demirgüç-Kunt. This book was released on 2016. Does Deposit Insurance Increase Banking System Stability? An Empirical Investigation available in PDF, EPUB and Kindle. Explicit deposit insurance tends to be detrimental to bank stability - the more so where bank interest rates are deregulated and the institutional environment is weak.Based on evidence for 61 countries in 1980-97, Demirguc-Kunt and Detragiache find that explicit deposit insurance tends to be detrimental to bank stability, the more so where bank interest rates are deregulated and the institutional environment is weak.The adverse impact of deposit insurance on bank stability tends to be stronger the more extensive is the coverage offered to depositors, and where the scheme is funded and run by the government rather than the private sector.This paper - a product of Finance, Development Research Group - is part of a larger effort in the group to study deposit insurance. The study was funded by the Bank's Research Support Budget under the research project Deposit Insurance: Issues of Principle, Design, and Implementation (RPO 682-90). The authors may be contacted at [email protected] or [email protected].