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Enhanced Guidance for Effective Deposit Insurance Systems: Deposit Insurance Coverage

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  • International Association of Deposit Insurers

Abstract

This paper examines deposit insurance coverage and suggests additional guidance for effective deposit insurance practice as requested by the Financial Stability Board (FSB) Thematic Review on Deposit Insurance Systems: Peer Review Report. The FSB requested additional guidance on coverage issues, including striking the right balance between depositor protection, financial stability and market discipline; measures to address market discipline when coverage limits are extremely high (e.g. greater emphasis on regulation and early intervention); and ways of monitoring the effectiveness of coverage limits.

Suggested Citation

  • International Association of Deposit Insurers, 2013. "Enhanced Guidance for Effective Deposit Insurance Systems: Deposit Insurance Coverage," IADI Guidance Papers 13-03, International Association of Deposit Insurers.
    • Handle: RePEc:awl:guipap:1303
    as

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    File URL: https://www.iadi.org/en/assets/File/Papers/Approved%20Guidance%20Papers/IADI_Coverage_Enhanced_Guidance_Paper.pdf
    File Function: Final version
    Download Restriction: no
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    References listed on IDEAS

    as
    1. Ms. G. G. Garcia, 2000. "Deposit Insurance: Actual and Good Practices," IMF Occasional Papers 2000/001, International Monetary Fund.
    2. Luc Laeven, 2004. "The Political Economy of Deposit Insurance," Journal of Financial Services Research, Springer;Western Finance Association, vol. 26(3), pages 201-224, December.
    3. Mr. David S. Hoelscher & Mr. Michael W Taylor & Mr. Ulrich H Klueh, 2006. "The Design and Implementation of Deposit Insurance Systems," IMF Occasional Papers 2006/006, International Monetary Fund.
    4. International Association of Deposit Insurers, 2013. "Enhanced Guidance for Effective Deposit Insurance Systems: Mitigating Moral Hazard," IADI Guidance Papers 13-05, International Association of Deposit Insurers.
    5. Demirguc-Kunt, Asli & Karacaovali, Baybars & Laeven, Luc, 2005. "Deposit insurance around the world : a comprehensive database," Policy Research Working Paper Series 3628, The World Bank.
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. Bert Van Roosebeke & Ryan Defina, 2022. "How Deposit Insurers Account for Inflation: Practices and Existing Guidance," IADI Policy Briefs 7, International Association of Deposit Insurers.
    2. International Association of Deposit Insurers, 2015. "Integrated Protection Schemes," IADI Research Papers 15-03, International Association of Deposit Insurers.
    3. International Association of Deposit Insurers, 2015. "Enhanced Guidance for Effective Deposit Insurance Systems: Ex Ante Funding," IADI Guidance Papers 15-06, International Association of Deposit Insurers.
    4. International Association of Deposit Insurers, 2021. "Deposit Insurance Coverage Level and Scope," IADI Research Papers 21-12, International Association of Deposit Insurers.

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    More about this item

    Keywords

    deposit insurance; bank resolution;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G33 - Financial Economics - - Corporate Finance and Governance - - - Bankruptcy; Liquidation

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