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Development Of Deposits Guarantee In The Banking System Of Moldova

Author

Listed:
  • Larisa Mistrean

    (Academy of Economic Studies of Moldova, Faculty of Finance, Chisinau, Moldova)

Abstract

Money kept in house versus money deposited in the bank is a dilemma arising primarily out of fear of losing. To mitigate these risks and to enhance confidence in the banking system, the authorities propose to increas the deposit guarantee ceiling. Experts argue that this is an important measure to increase confidence in the banking sector and believes that this ceiling should be increased to a minimum of 50 thousand lei, while the medium and long term - more than that. Experts estimate based on figures for average wage and GDP per capita, suggesting that banking statistics is not just a basis for calculating real and objective determination of coverage.

Suggested Citation

  • Larisa Mistrean, 2017. "Development Of Deposits Guarantee In The Banking System Of Moldova," Annals of University of Craiova - Economic Sciences Series, University of Craiova, Faculty of Economics and Business Administration, vol. 1(45), pages 180-190, November.
    • Handle: RePEc:aio:aucsse:v:1:y:2017:i:45:p:180-190
    as

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    File URL: http://feaa.ucv.ro/annals/v1_2017/0045v1-016.pdf
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    References listed on IDEAS

    as
    1. Beat Bernet & Susanna Walter, 2009. "Design, Structure and Implementation of a Modern Deposit Insurance Scheme," SUERF Studies, SUERF - The European Money and Finance Forum, number 2009/5 edited by Morten Balling, May.
    2. Asli Demirgüç-Kunt & Edward J. Kane & Luc Laeven, 2014. "Deposit Insurance Database," NBER Working Papers 20278, National Bureau of Economic Research, Inc.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    deposits guarantee; Deposit Guarantee Schemes; depositors; banking financial stability; banking system;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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