Deposit Insurance around the World: Issues of Design and Implementation
Deposit Insurance around the World: Issues of Design and Implementation
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Abstract
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 countries undergoing reform. Predictably, DI systems have proliferated in the developing world. The number of countries offering explicit deposit guarantees rose from twenty in 1980 to eighty-seven by the end of 2003. This book challenges the wisdom of encouraging countries to adopt DI without first repairing observable weaknesses in their institutional environment. The evidence and analysis presented confirm that many countries would do well to delay the installation of a DI system. Analysis shows that many existing DI systems are not adequately designed to control possible DI-induced risk taking by financial institutions, and the book provides advice on principles of good design for those countries in the process of adopting or reforming their DI systems. Empirical evidence on the efficiency of real-world DI systems has been scarce, and analysis has focused on the experience of developed countries. The contributors to this book draw on an original cross-country dataset on DI systems and design features to examine the impact of DI on banking behavior and assess the policy complications that emerge in developing countries. Chapters covers decisions about DI adoption, design, and pricing, and review individual country experiences with DI—including issues raised by the EU’s DI directive, banking reform in Russia, and policy efforts to protect depositors in China.
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Front Matter
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I Introduction
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II Deposit Insurance: Adoption, Pricing, and Linkages with Insolvency Resolution
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III Deposit Insurance: Country Experiences
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5
Lessons from the U.S. Experience with Deposit Insurance
Randall S. Kroszner andWilliam R. Melick
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6
Banking with and without Deposit Insurance: Mexico’s Banking Experiments, 1884–2004
Stephen Haber
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7
The EU Deposit Insurance Directive: Does One Size Fit All?
Harry Huizinga
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8
Deposit Overinsurance in EU Accession Countries
Nikolay Nenovsky andKalina Dimitrova
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9
Deposit Insurance Reform in Russia
Modibo K. Camara andFernando Montes-Negret
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10
Protecting Depositors in China: Experience and Evolving Policy
Patrick Honohan
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5
Lessons from the U.S. Experience with Deposit Insurance
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IV Deposit Insurance: Database
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End Matter
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