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Conceptual Issues of Developing a Citizen Loan Guarantee System

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  • Bozhidar Bozhinov

Abstract

Some conceptual issues, connected with the development of an effective loan guarantee system (deposit insurance) in the national banking system are presented. Special emphasis is placed on the key stages of its design, which should reflect the objectives set to the system, as well as the specific features of the particular banking system and state. Also discussed are the range, membership principles, coverage level, financing approaches as well as the possible options to institutionalize the deposit insurer and its place in the national bank insurance network. A review of the development of deposit guarantee systems in this country reflecting the 120 year history of our banking system is given.

Suggested Citation

  • Bozhidar Bozhinov, 2004. "Conceptual Issues of Developing a Citizen Loan Guarantee System," Economic Thought journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 2, pages 38-51.
    • Handle: RePEc:bas:econth:y:2004:i:2:p:38-51
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    References listed on IDEAS

    as
    1. Asli Demirguc-Kunt & Edward J. Kane, 2002. "Deposit Insurance Around the Globe: Where Does It Work?," Journal of Economic Perspectives, American Economic Association, vol. 16(2), pages 175-195, Spring.
    2. Brock, Philip L., 1998. "Financial safety nets and incentive structures in Latin America," Policy Research Working Paper Series 1993, The World Bank.
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design

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