Financial Inclusion for Financial Stability : Access to Bank Deposits and the Growth of Deposits in the Global Financial Crisis

In crisis times, depositors get anxious, can run on banks, and withdraw their deposits. Correlated withdrawals of bank deposits could be mitigated if bank deposits are more diversified, that is, held by more individuals. This paper examines the lin...

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Bibliographic Details
Main Authors:	Han, Rui, Melecky, Martin
Format:	Policy Research Working Paper
Language:	English en_US
Published:	World Bank, Washington, DC 2013
Subjects:	ACCESS TO BANK ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVINGS ACCOUNTING ACCOUNTING STANDARDS BANK ACCOUNT BANK ACCOUNTS BANK COMPETITION BANK CONCENTRATION BANK DEPOSIT BANK DEPOSITORS BANK DEPOSITS BANK FINANCING BANK LIQUIDITY BANK RUN BANK RUNS BANK STABILITY BANKERS ASSOCIATION BANKING CONCENTRATION BANKING CRISES BANKING CRISIS BANKING SECTOR BANKING SECTOR ASSETS BANKING SECTOR STABILITY BANKING SECTORS BANKING SERVICES BANKING SYSTEM BANKING SYSTEMS BLANKET DEPOSIT GUARANTEES BUSINESS CYCLE CAPITAL ACCOUNT CAPITAL CONTROLS CAPITAL SENDING COMMERCIAL BANKS CONCENTRATION RATIO CONSUMER PRICE INDEX CONTAGION CORPORATE GOVERNANCE CREDITORS CRISIS COUNTRIES CURRENCY DATA AVAILABILITY DEPOSIT BASE DEPOSIT FUNDING DEPOSIT GROWTH DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE SCHEMES DEPOSIT MONEY BANKS DEPOSIT VARIABLES DEPOSIT WITHDRAWAL DEPOSIT WITHDRAWALS DEPOSITOR DEPOSITOR CONFIDENCE DEPOSITORS DEVELOPING COUNTRIES DEVELOPMENT BANK DIVERSIFICATION DOMESTIC FINANCIAL INTERMEDIATION DUMMY VARIABLE EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH EMERGING MARKETS EQUILIBRIUM CREDIT EXPLICIT DEPOSIT EXPLICIT DEPOSIT INSURANCE EXPLICIT DEPOSIT INSURANCE SCHEME EXPLICIT DEPOSIT INSURANCE SCHEMES EXTERNAL FINANCING EXTERNAL FUNDING FINANCIAL ACCESS FINANCIAL CONDITION FINANCIAL CONDITIONS FINANCIAL CRISIS FINANCIAL DEEPENING FINANCIAL DEVELOPMENT FINANCIAL FLOWS FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL OPENNESS FINANCIAL POLICY FINANCIAL RISK FINANCIAL SECTOR FINANCIAL SECTOR POLICY FINANCIAL SECTOR REGULATION FINANCIAL SECTOR STRATEGY FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL STRESS FINANCIAL SYSTEM FORMAL FINANCIAL INSTITUTION FUNDING SOURCE GLOBAL FINANCE GREATER ACCESS GROWTH IN BANK DEPOSIT GROWTH IN BANK DEPOSITS GROWTH OF DEPOSITS GROWTH RATE HOUSEHOLD ACCESS HOUSEHOLDS INCOME INCOME GROUPS INCOME LEVEL INFLATION INFORMATIONAL ASYMMETRY INSTRUMENT INSURANCE INSURED DEPOSITORS INTERNATIONAL BANK INVESTMENT FINANCING INVESTMENT IN SECURITIES LARGE DEPOSITORS LENDERS LEVEL OF INFLATION LEVERAGE LIQUID ASSETS LIQUIDITY LIQUIDITY POSITION LIQUIDITY RISK LOAN LOW-INCOME COUNTRIES MACRO-STABILITY MACROECONOMIC STABILITY MARKET INTEREST MARKET INTEREST RATES MIDDLE-INCOME COUNTRIES NATIONAL CURRENCY OUTPUT OUTSTANDING DEPOSITS OVERSEAS BANK POLICY RESPONSE POLICY RESPONSES POLITICAL ECONOMY PORTFOLIO POVERTY ALLEVIATION PRIVATE CREDIT PROVISION OF CREDIT PROVISIONING RULES PUBLIC DEPOSIT INSURANCE PUBLIC POLICY RETURN RETURNS RISK AVERSION RISK EXPOSURE RISK MANAGEMENT SAVINGS SAVINGS DEPOSITS SECURITIES SHARE OF ASSETS SMALL SAVERS SOURCE OF FUNDS SYSTEMIC BANKING CRISES SYSTEMIC BANKING CRISIS SYSTEMIC RISK TRADITIONAL DEPOSIT USE OF DEPOSITS VOLATILITY WHOLESALE FUNDING WITHDRAWAL WITHDRAWAL DEMAND WITHDRAWAL OF DEPOSITS WORLD DEVELOPMENT INDICATOR
Online Access:	http://documents.worldbank.org/curated/en/2013/08/18121066/financial-inclusion-financial-stability-access-bank-deposits-growth-deposits-global-financial-crisis http://hdl.handle.net/10986/16010