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Assurance des dépôts bancaires durant l’accession à l’UE

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Abstract

[eng] Deposit insurance during EU accession . The paper presents a brief review of the systems of deposit insurance in accession countries, comparing their level of harmonization with the perspective of their EU integration. Studying the different practices of deposit insurance in the context of developing financial safety nets in future Europe, we have found that : (1) . there is overinsurance of deposits in accession countries, and (2) that this could lead to increasing moral hazard, incentives deformation and increasing costs of banking intermediation in the whole Euro area. . JEL classifications : G1, P2 [fre] Le présent rapport présente un bref aperçu des systèmes d'assurance des dépôts bancaires dans les pays d'accession et effectue une comparaison de leur niveau d'harmonisation dans la perspective de leur intégration à l'UE. En analysant les différentes pratiques en matière d'assurance des dépôts bancaires dans le contexte du développement de filets de sécurité financière dans la future Europe, nous avons trouvé que : (1) . il y a une sur-assurance des dépôts dans les pays d'accession, et (2) ceci pourrait se traduire par un aléa moral accru, une déformation des incitations et une augmentation des frais d'intermédiation bancaire dans toute la zone euro. . Classification JEL : G1, P2

Suggested Citation

  • Nikolay Nenovsky & Kalina Dimitrova, 2003. "Assurance des dépôts bancaires durant l’accession à l’UE," Revue d'Économie Financière, Programme National Persée, vol. 72(3), pages 123-140.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2003_num_72_3_4874
    DOI: 10.3406/ecofi.2003.4874
    Note: DOI:10.3406/ecofi.2003.4874
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    JEL classification:

    • G1 - Financial Economics - - General Financial Markets
    • P2 - Political Economy and Comparative Economic Systems - - Socialist and Transition Economies
    • G1 - Financial Economics - - General Financial Markets
    • P2 - Political Economy and Comparative Economic Systems - - Socialist and Transition Economies

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