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Does deposit insurance increase banking system stability? - an empirical investigation, Volume 1
 
Author:Demirguc-Kunt, Asli; Detragiache, Enrica; Collection Title:Policy, Research working paper ; no. WPS 2247
Country:World; Date Stored:2003/07/30
Document Date:1999/11/30Document Type:Policy Research Working Paper
Language:EnglishMajor Sector:Finance
Region:The World RegionReport Number:WPS2247
Sub Sectors:(Historic)Other financeSubTopics:Financial Crisis Management & Restructuring; Banks & Banking Reform; Insurance & Risk Mitigation; Financial Intermediation; Insurance Law
Volume No:1  

Summary: Based on evidence of 61 countries in 1980-97, the authors 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.

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