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Pricing of Deposit Insurance

Luc Laeven

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0003
Subject:
Economics and Finance, Econometrics

This chapter performs an investigation on how the price of deposit insurance is affected by design features of deposit insurance schemes. It answers certain questions as to the definition of a fair ... More


Regulating Banks: Capital-Friendly or Consumer-Friendly Rules?

Sean D. Ehrlich

in Access Points: An Institutional Theory of Policy Bias and Policy Complexity

Published in print:
2011
Published Online:
January 2012
ISBN:
9780199737536
eISBN:
9780199918645
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199737536.003.0005
Subject:
Political Science, American Politics

Every country regulates its banking sector in order to prevent a run on one bank from spreading throughout the banking system and creating a financial crisis. However, countries have many options ... More


Regulation and Competition in German Banking: An Assessment

Karl-Hermann Fischer and Christian Pfeil

in The German Financial System

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199253166
eISBN:
9780191601651
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199253161.003.0010
Subject:
Economics and Finance, Financial Economics

Offers an in-depth discussion of regulatory and competitive issues in German banking. Emphasising that regulation, market structure, and competitive conduct are deeply interrelated the authors look ... More


New York's Safety Fund System: America's First Bank Insurance Experiment

Howard Bodenhorn

in State Banking in Early America: A New Economic History

Published in print:
2002
Published Online:
November 2003
ISBN:
9780195147766
eISBN:
9780199832910
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0195147766.003.0007
Subject:
Economics and Finance, Economic History

Economists and regulatory agencies justify deposit insurance because they consider banks unique among capitalist firms. Because banks hold highly idiosyncratic portfolios that are hard for outside ... More


Bank Runs, Systemic Risk, and Deposit Insurance

Peter d. Spencer

in The Structure and Regulation of Financial Markets

Published in print:
2000
Published Online:
October 2011
ISBN:
9780198776093
eISBN:
9780191695384
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198776093.003.0010
Subject:
Economics and Finance, Financial Economics

Based on the Diamond Model, the assumption is that bank liabilities are fixed-term loans. Investors loan from the bank to ultimate borrowers so that they may delegate the monitoring role. However, in ... More


Lessons from the U.S. Experience with Deposit Insurance

Randall S. Kroszner and William R. Melick

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0005
Subject:
Economics and Finance, Econometrics

In this chapter, a brief history and summary of the U.S. experience with deposit insurance is provided to highlight and understand the rationale for and performance of these varied deposit insurance ... More


The EU Deposit Insurance Directive: Does One Size Fit All?

Harry Huizinga

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0007
Subject:
Economics and Finance, Econometrics

This chapter focuses on and evaluates the EU Directive and questions the harmonization of deposit insurance policies on an international scale. EU member states are obligated to adopt explicit ... More


Adoption and Design of Deposit Insurance

Aslı Demirgüç-Kunt, Edward Kane, and Luc Laeven

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0002
Subject:
Economics and Finance, Econometrics

This chapter, focuses on the adoption of an explicit deposit insurance scheme (EDIS), what factors influence safety net design, and if these same factors are able to affect risk-shifting controls as ... More


The 2011 FDIC Assessment on Banks’ Managed Liabilities: Interest Rate and Balance-Sheet Responses

Lawrence L. Kreicher, Robert N. McCauley, and Patrick McGuire

in Taxation and Regulation of the Financial Sector

Published in print:
2015
Published Online:
May 2015
ISBN:
9780262027977
eISBN:
9780262321099
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262027977.003.0015
Subject:
Economics and Finance, Financial Economics

The financial crisis led to discussion of corrective bank taxes to promote financial stability. This paper interprets the widening of the FDIC assessment base from deposits to assets less equity for ... More


Deposit Insurance around the World: Issues of Design and Implementation

Asli Demirguc-Kunt, Edward J. Kane, and Luc Laeven (eds)

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
book
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.001.0001
Subject:
Economics and Finance, Econometrics

Explicit deposit insurance (DI) is widely held to be a crucial element of modern financial safety nets. For this reason, establishing a DI system is frequently recommended by outside experts to ... More


Deposit Insurance Design and Implementation: Policy Lessons from Research and Practice

Aslı Demirgüç-Kunt, Edward Kane, and Luc Laeven

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0001
Subject:
Economics and Finance, Econometrics

This chapter explains how deposit insurance is capable of being either explicit or implicit. The former refers to coverage that is contractual obligations, while the latter refers to coverage that is ... More


Deposit Insurance around the World: A Comprehensive Database

Aslı Demirgüç-Kunt, Edward Kane, Baybars Karacaovali, and Luc Laeven

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0011
Subject:
Economics and Finance, Econometrics

This chapter updates the earlier deposit insurance database constructed in 1999 and extends several important dimensions. The database is inclusive of fourteen different countries that are known to ... More


Deposit Overinsurance in EU Accession Countries

Nikolay Nenovsky and Kalina Dimitrova

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0008
Subject:
Economics and Finance, Econometrics

This chapter explores the two major phases of the dynamics of deposit insurance (DI) systems. The first phase involves the implicit and full DI inherited from EU’s socialist past, while the second ... More


State Banking in Early America: A New Economic History

Howard Bodenhorn

Published in print:
2002
Published Online:
November 2003
ISBN:
9780195147766
eISBN:
9780199832910
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/0195147766.001.0001
Subject:
Economics and Finance, Economic History

An outpouring of recent theoretical and empirical research places financial intermediaries center stage in the process of economic growth. Through their dealings with customers as depositors, ... More


Obstacles to Optimal Policy: The Interplay of Politics and Economics in Shaping Bank Supervision and Regulation Reforms

Randall S. Kroszner and Philip E. Strahan

in Prudential Supervision: What Works and What Doesn't

Published in print:
2002
Published Online:
February 2013
ISBN:
9780226531885
eISBN:
9780226531939
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226531939.003.0007
Subject:
Economics and Finance, Financial Economics

This chapter provides a positive political-economy analysis of the most important revision of the U.S. supervision and regulation system during the last two decades, the 1991 Federal Deposit ... More


Deposit Insurance Reform in Russia

Modibo K. Camara and Fernando Montes-Negret

in Deposit Insurance around the World: Issues of Design and Implementation

Published in print:
2008
Published Online:
August 2013
ISBN:
9780262042543
eISBN:
9780262271462
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262042543.003.0009
Subject:
Economics and Finance, Econometrics

This chapter reviews the Russian banking market and the Russian deposit insurance system (DIS) and market evolution from the moment of its adoption. The risks of the adoption are taken into account ... More


Liability Insurance and Guarantees

Hal S. Scott

in Connectedness and Contagion: Protecting the Financial System from Panics

Published in print:
2016
Published Online:
January 2017
ISBN:
9780262034371
eISBN:
9780262332156
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262034371.003.0012
Subject:
Economics and Finance, Economic History

The Dodd–Frank Act not only cut back on the Fed's ability to serve as lender of last resort, it also cut back on the Federal Deposit Insurance Corporation's (FDIC) ability to expand deposit insurance ... More


The Separation between Commercial and Investment Banking in the United States

Jordi Canals

in Universal Banking: International Comparisons and Theoretical Perspectives

Published in print:
1997
Published Online:
October 2011
ISBN:
9780198775065
eISBN:
9780191695353
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198775065.003.0003
Subject:
Business and Management, Finance, Accounting, and Banking, Strategy

The banking crisis that shook the United States in the 1930s meant the end of the universal banking system that, until then, had shaped that and many other financial systems. In fact, the American ... More


The Public-Private Partnership

Morgan Ricks

in The Money Problem: Rethinking Financial Regulation

Published in print:
2016
Published Online:
September 2016
ISBN:
9780226330327
eISBN:
9780226330464
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226330464.003.0009
Subject:
Law, Company and Commercial Law

This chapter examines a public-private partnership (PPP) approach to money creation. Under this design, all monetary instruments are sovereign and default-free, and the state charges the banking ... More


Chapter Eight The Public-Private Partnership

Morgan Ricks

in The Money Problem: Rethinking Financial Regulation

Published in print:
2016
Published Online:
September 2016
ISBN:
9780226330327
eISBN:
9780226330464
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226330464.003.0009
Subject:
Law, Company and Commercial Law

This chapter examines a public-private partnership (PPP) approach to money creation. Under this design, all monetary instruments are sovereign and default-free, and the state charges the banking ... More


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