Deposit Insurance : A Survey of Actual and Best Practices

The paper surveys the characteristics of explicit systems of deposit insurance in 68 countries. It compares these actual practices with a set of best practices that has been adopted by IMF staff for their advice to member countries. These best practices seek to establish a system of deposit insurance that provides incentives for all parties-whether they are directly or indirectly affected by the guarantee-to keep the financial system sound. The paper discerns some convergence toward best practices in recent years, but notes several areas where improvements in the incentive structure are still necessary.
Publication date: April 1999
ISBN: 9781451847499
$15.00
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Topics covered in this book

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Banks and Banking , Banks and Banking , Insurance - Risk Assessment and Management , Insurance - Risk Assessment and Management , deposit insurance , banking , bankers , moral hazard , coinsurance

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