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

This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the...

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Main Authors:	Demirgüç-Kunt, Asli, Kane, Edward J., Laeven, Luc
Format:	Policy Research Working Paper
Language:	English
Published:	World Bank, Washington, DC 2012
Subjects:	ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS BANK ASSETS BANK CAPITAL BANK DEPOSITS BANK LENDING BANK REGULATION BANK RISK BANK RUNS BANK TRANSPARENCY BANKING CRISES BANKING CRISIS BANKING INDUSTRY BANKING PANICS BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKING SYSTEMS BANKRUPTCY BANKS BONDING BUDGET DEFICITS CAPITALIZATION CENTRAL BANK COINSURANCE CONTRACT ENFORCEMENT CORPORATE GOVERNANCE CORRESPONDENT BANKS DEBT DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COVERAGE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS DEPOSITS DEVELOPMENT BANKS DISTRESSED BANKS ECONOMETRIC EVIDENCE ECONOMIC GROWTH ECONOMICS FEDERAL DEPOSIT INSURANCE FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INNOVATION FINANCIAL INSTITUTIONS FINANCIAL INTEGRATION FINANCIAL MARKETS FINANCIAL SAFETY NETS FINANCIAL SERVICES FINANCIAL STABILITY FOREIGN CURRENCY DEPOSITS GOVERNMENT GUARANTEES INCOME GROUPS INDIVIDUAL ACCOUNTS INFLATION INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSURANCE DESIGN INSURANCE FUNDS INSURANCE LAW INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURANCE SYSTEMS INSURED DEPOSITS INSURERS INTEREST EXPENSE INTEREST RATES LATIN AMERICAN LEGISLATION LEVEL PLAYING FIELD LIQUIDITY MACROECONOMIC STABILIZATION MARKET DISCIPLINE MIDDLE EAST MORAL HAZARD NONPERFORMING LOANS NORTH AFRICA PREMIUMS PRIVATE BANKS PRIVATIZATION PRODUCTIVITY PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION REGULATORY FORBEARANCE RESERVES RETIREMENT RISK TAKING SAVINGS SAVINGS ACCOUNTS STATE BANKS STOCK PRICES SUB-SAHARAN AFRICA SUPERVISORY FRAMEWORK TIME DEPOSITS VOLATILITY
Online Access:	http://documents.worldbank.org/curated/en/2006/07/6934849/deposit-insurance-design-implementation-policy-lessons-research-practice http://hdl.handle.net/10986/8376

id	okr-10986-8376
recordtype	oai_dc
spelling	okr-10986-83762021-04-23T14:02:41Z Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS BANK ASSETS BANK CAPITAL BANK DEPOSITS BANK LENDING BANK REGULATION BANK RISK BANK RUNS BANK TRANSPARENCY BANKING CRISES BANKING CRISIS BANKING INDUSTRY BANKING PANICS BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKING SYSTEMS BANKRUPTCY BANKS BONDING BUDGET DEFICITS CAPITALIZATION CENTRAL BANK COINSURANCE CONTRACT ENFORCEMENT CORPORATE GOVERNANCE CORRESPONDENT BANKS DEBT DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COVERAGE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS DEPOSITS DEVELOPMENT BANKS DISTRESSED BANKS ECONOMETRIC EVIDENCE ECONOMIC GROWTH ECONOMICS FEDERAL DEPOSIT INSURANCE FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INNOVATION FINANCIAL INSTITUTIONS FINANCIAL INTEGRATION FINANCIAL MARKETS FINANCIAL SAFETY NETS FINANCIAL SERVICES FINANCIAL STABILITY FOREIGN CURRENCY DEPOSITS GOVERNMENT GUARANTEES INCOME GROUPS INDIVIDUAL ACCOUNTS INFLATION INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSURANCE DESIGN INSURANCE FUNDS INSURANCE LAW INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURANCE SYSTEMS INSURED DEPOSITS INSURERS INTEREST EXPENSE INTEREST RATES LATIN AMERICAN LEGISLATION LEVEL PLAYING FIELD LIQUIDITY MACROECONOMIC STABILIZATION MARKET DISCIPLINE MIDDLE EAST MORAL HAZARD NONPERFORMING LOANS NORTH AFRICA PREMIUMS PRIVATE BANKS PRIVATIZATION PRODUCTIVITY PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION REGULATORY FORBEARANCE RESERVES RETIREMENT RISK TAKING SAVINGS SAVINGS ACCOUNTS STATE BANKS STOCK PRICES SUB-SAHARAN AFRICA SUPERVISORY FRAMEWORK TIME DEPOSITS VOLATILITY This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the evidence into a set of principles of good design. Cross-country empirical research and individual-country experience confirm that, for at least the time being, officials in many countries would do well to delay the installation of a deposit insurance system. 2012-06-18T21:55:24Z 2012-06-18T21:55:24Z 2006-07 http://documents.worldbank.org/curated/en/2006/07/6934849/deposit-insurance-design-implementation-policy-lessons-research-practice http://hdl.handle.net/10986/8376 English Policy Research Working Paper; No. 3969 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Policy Research Working Paper Publications & Research
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English
topic	ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS BANK ASSETS BANK CAPITAL BANK DEPOSITS BANK LENDING BANK REGULATION BANK RISK BANK RUNS BANK TRANSPARENCY BANKING CRISES BANKING CRISIS BANKING INDUSTRY BANKING PANICS BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKING SYSTEMS BANKRUPTCY BANKS BONDING BUDGET DEFICITS CAPITALIZATION CENTRAL BANK COINSURANCE CONTRACT ENFORCEMENT CORPORATE GOVERNANCE CORRESPONDENT BANKS DEBT DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COVERAGE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS DEPOSITS DEVELOPMENT BANKS DISTRESSED BANKS ECONOMETRIC EVIDENCE ECONOMIC GROWTH ECONOMICS FEDERAL DEPOSIT INSURANCE FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INNOVATION FINANCIAL INSTITUTIONS FINANCIAL INTEGRATION FINANCIAL MARKETS FINANCIAL SAFETY NETS FINANCIAL SERVICES FINANCIAL STABILITY FOREIGN CURRENCY DEPOSITS GOVERNMENT GUARANTEES INCOME GROUPS INDIVIDUAL ACCOUNTS INFLATION INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSURANCE DESIGN INSURANCE FUNDS INSURANCE LAW INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURANCE SYSTEMS INSURED DEPOSITS INSURERS INTEREST EXPENSE INTEREST RATES LATIN AMERICAN LEGISLATION LEVEL PLAYING FIELD LIQUIDITY MACROECONOMIC STABILIZATION MARKET DISCIPLINE MIDDLE EAST MORAL HAZARD NONPERFORMING LOANS NORTH AFRICA PREMIUMS PRIVATE BANKS PRIVATIZATION PRODUCTIVITY PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION REGULATORY FORBEARANCE RESERVES RETIREMENT RISK TAKING SAVINGS SAVINGS ACCOUNTS STATE BANKS STOCK PRICES SUB-SAHARAN AFRICA SUPERVISORY FRAMEWORK TIME DEPOSITS VOLATILITY
spellingShingle	ACCOUNTABILITY ACCOUNTING ACCOUNTING STANDARDS BANK ASSETS BANK CAPITAL BANK DEPOSITS BANK LENDING BANK REGULATION BANK RISK BANK RUNS BANK TRANSPARENCY BANKING CRISES BANKING CRISIS BANKING INDUSTRY BANKING PANICS BANKING SECTOR BANKING STABILITY BANKING SYSTEM BANKING SYSTEMS BANKRUPTCY BANKS BONDING BUDGET DEFICITS CAPITALIZATION CENTRAL BANK COINSURANCE CONTRACT ENFORCEMENT CORPORATE GOVERNANCE CORRESPONDENT BANKS DEBT DEPOSIT GUARANTEES DEPOSIT INSURANCE DEPOSIT INSURANCE COVERAGE DEPOSIT INSURANCE SCHEMES DEPOSIT INSURANCE SYSTEMS DEPOSITORS DEPOSITS DEVELOPMENT BANKS DISTRESSED BANKS ECONOMETRIC EVIDENCE ECONOMIC GROWTH ECONOMICS FEDERAL DEPOSIT INSURANCE FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL FRAGILITY FINANCIAL INNOVATION FINANCIAL INSTITUTIONS FINANCIAL INTEGRATION FINANCIAL MARKETS FINANCIAL SAFETY NETS FINANCIAL SERVICES FINANCIAL STABILITY FOREIGN CURRENCY DEPOSITS GOVERNMENT GUARANTEES INCOME GROUPS INDIVIDUAL ACCOUNTS INFLATION INSOLVENCY INSOLVENT BANKS INSTITUTIONAL DEVELOPMENT INSURANCE DESIGN INSURANCE FUNDS INSURANCE LAW INSURANCE OBLIGATIONS INSURANCE SYSTEM INSURANCE SYSTEMS INSURED DEPOSITS INSURERS INTEREST EXPENSE INTEREST RATES LATIN AMERICAN LEGISLATION LEVEL PLAYING FIELD LIQUIDITY MACROECONOMIC STABILIZATION MARKET DISCIPLINE MIDDLE EAST MORAL HAZARD NONPERFORMING LOANS NORTH AFRICA PREMIUMS PRIVATE BANKS PRIVATIZATION PRODUCTIVITY PROGRAMS PRUDENTIAL REGULATION PRUDENTIAL REGULATION AND SUPERVISION REGULATORY FORBEARANCE RESERVES RETIREMENT RISK TAKING SAVINGS SAVINGS ACCOUNTS STATE BANKS STOCK PRICES SUB-SAHARAN AFRICA SUPERVISORY FRAMEWORK TIME DEPOSITS VOLATILITY Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
relation	Policy Research Working Paper; No. 3969
description	This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the evidence into a set of principles of good design. Cross-country empirical research and individual-country experience confirm that, for at least the time being, officials in many countries would do well to delay the installation of a deposit insurance system.
format	Publications & Research :: Policy Research Working Paper
author	Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc
author_facet	Demirgüç-Kunt, Asli Kane, Edward J. Laeven, Luc
author_sort	Demirgüç-Kunt, Asli
title	Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
title_short	Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
title_full	Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
title_fullStr	Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
title_full_unstemmed	Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice
title_sort	deposit insurance design and implementation : policy lessons from research and practice
publisher	World Bank, Washington, DC
publishDate	2012
url	http://documents.worldbank.org/curated/en/2006/07/6934849/deposit-insurance-design-implementation-policy-lessons-research-practice http://hdl.handle.net/10986/8376
_version_	1764406359282941952

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

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