Deposit insurance and international bank deposits
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Deposit insurance and international bank deposits

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Published by Directorate-General for Economic and Financial Affairs, Commission of the European Communities in Brussels .
Written in English


Book details:

Edition Notes

Statementby Harry Huizinga and Gaëtan Nicodème.
SeriesEconomic papers / European Commission -- no.164, Economic papers -- no.164.
ContributionsNicodème, Gaëtan., European Commission. Directorate-General for Economic and Financial Affairs.
The Physical Object
Pagination34p. :
Number of Pages34
ID Numbers
Open LibraryOL18987594M

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Deposit insurance is a measure implemented in many countries to protect bank depositors, in full or in part, from losses caused by a bank's inability to pay its debts when due. Deposit insurance systems are one component of a financial system safety net that promotes financial stability. European Forum of Deposit Insurers (lfcmalta.com) International Association of Deposit Insurers (lfcmalta.com) International Monetary Fund (lfcmalta.com) World Bank Group (lfcmalta.com) Papers and Reports. Guidance for Developing Effective Deposit Insurance Systems; Core Principles for Effective Deposit Insurance Systems, November Finally, deposit insurance issues are discussed that were current at the time of the FDIC-sponsored International Conference on Deposit Insurance in The document does not fully address the savings-and-loan crisis of the s because the FDIC did not receive deposit insurance responsibility for . Deposit Insurance Funding There exists a vast literature on deposit insurance that examines all elements of deposit insurance schemes, with the largest question addressed by this literature being “how should the deposit insurer pay for bank-failure resolution and related insurance costs?” IADI.

Each insured bank pays the insurance premiums, which are a fixed percentage of the bank’s domestic deposits. In , the FDIC switched from a flat rate for deposit insurance to a risk-based premium system because of the large number of bank and thrift failures during the s and early s. Foreign deposits are deposits made at, or money put into, domestic banks outside the United States. These deposits are not subject to deposit insurance premiums (a premium paid to ensure that. Deposit insurance and international bank deposits by Harry Huizinga* andGaëtanNicodème* ECFIN//EN This paper only exists in English. ©European Communities, * The findings, interpretations, and conclusions expressed in this paper are entirely those of the authors. They should not be attributed to the European Commission. Deposit schemes characterized by coinsurance, a private administration, and a low deposit insurance premium appear to be particularly favored by these depositors. The sensitivity of non-bank deposits to deposit insurance policies opens up the possibility of international regulatory competition in this area. The EU directive on deposit insurance.

Jun 30,  · Rajesh Kumar, in Strategies of Banks and Other Financial Institutions, Deposit insurance. Deposit insurance is a significant aspect of the financial safety net system basically intended to promote financial stability. Deposit insurance is a guarantee that a depositor’s debt with a bank will be honored in the event of bankruptcy. The deposit itself is a liability owed by the bank to the depositor. Bank deposits refer to this liability rather than to the actual funds that have been deposited. When someone opens a bank. The Federal Deposit Insurance Corporation (FDIC) is one of two agencies that provide deposit insurance to depositors in U.S. depository institutions, the other being the National Credit Union Administration, which regulates and insures credit lfcmalta.com FDIC is a United States government corporation providing deposit insurance to depositors in U.S. commercial banks and savings lfcmalta.comarters: Washington, D.C. Sep 18,  · Insuring Bank Deposits. How does the Federal Deposit Insurance Corporation (FDIC) protect depositors’ funds? The U.S. banking system worked fairly well from when the Federal Reserve System was established in until the stock market crash of Author: Lawrence J. Gitman, Carl McDaniel, Amit Shah, Monique Reece, Linda Koffel, Bethann Talsma, James C.