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Deposit insurance and bank risk-taking: Evidence from internal loan ratings

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Cited by:

  1. Prabha, Apanard (Penny) & Wihlborg, Clas, 2014. "Implicit guarantees, business models and banks’ risk-taking through the crisis: Global and European perspectives," Journal of Economics and Business, Elsevier, vol. 76(C), pages 10-38.
  2. Wu, Meng-Wen & Shen, Chung-Hua & Hsu, Hsing-Hua & Chiu, Po-Hao, 2023. "Why did a bank with good governance perform worse during the financial crisis? The views of shareholder and stakeholder orientations," Pacific-Basin Finance Journal, Elsevier, vol. 82(C).
  3. Kneer, E.C., 2013. "Essays on the size of the financial aector, financial liberalization and growth," Other publications TiSEM e0f0b672-ce74-40a3-8222-2, Tilburg University, School of Economics and Management.
  4. Hasan, Iftekhar & Liu, Liuling & Saunders, Anthony & Zhang, Gaiyan, 2022. "Explicit deposit insurance design: International effects on bank lending during the global financial crisis✰," Journal of Financial Intermediation, Elsevier, vol. 51(C).
  5. Lambert, Claudia & Noth, Felix & Schüwer, Ulrich, 2017. "How do insured deposits affect bank risk? Evidence from the 2008 Emergency Economic Stabilization Act," Journal of Financial Intermediation, Elsevier, vol. 29(C), pages 81-102.
  6. Bonfim, Diana & Santos, João A.C., 2023. "The importance of deposit insurance credibility," Journal of Banking & Finance, Elsevier, vol. 154(C).
  7. Jokivuolle, Esa & Keppo, Jussi, 2014. "Bankers' compensation: Sprint swimming in short bonus pools?," Bank of Finland Research Discussion Papers 2/2014, Bank of Finland.
  8. Sarmiento, Miguel & Galán, Jorge E., 2017. "The influence of risk-taking on bank efficiency: Evidence from Colombia," Emerging Markets Review, Elsevier, vol. 32(C), pages 52-73.
  9. Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozłowski, Łukasz, 2013. "Market discipline during crisis: Evidence from bank depositors in transition countries," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 5436-5451.
  10. Javier Gómez‐Biscarri & Germán López‐Espinosa & Andrés Mesa‐Toro, 2022. "Drivers of depositor discipline in credit unions," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 93(4), pages 849-885, December.
  11. Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozłowski, Łukasz, 2013. "Market discipline during crisis: Evidence from bank depositors in transition countries," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 5436-5451.
  12. Chesini, Giusy & Giaretta, Elisa, 2017. "Depositor discipline for better or for worse. What enhanced depositors’ confidence on the banking system in the last ten years?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 51(C), pages 209-227.
  13. Diana Bonfim & Moshe Kim, 2012. "Liquidity risk in banking: is there herding?," Working Papers w201218, Banco de Portugal, Economics and Research Department.
  14. Franklin Allen & Elena Carletti & Agnese Leonello, 2011. "Deposit insurance and risk taking," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 27(3), pages 464-478.
  15. Haelim Anderson & Daniel Barth & Dong Beom Choi, 2018. "Reducing moral hazard at the expense of market discipline: the effectiveness of double liability before and during the Great Depression," Staff Reports 869, Federal Reserve Bank of New York.
  16. Chernykh, Lucy & Kotomin, Vladimir, 2022. "Risk-based deposit insurance, deposit rates and bank failures: Evidence from Russia," Journal of Banking & Finance, Elsevier, vol. 138(C).
  17. Koen Rossel-Cambier, 2012. "Can Combined Microfinance Boost Economic Results? An Empirical Cross-sectional Analysis," Review of Economics & Finance, Better Advances Press, Canada, vol. 2, pages 79-94, August.
  18. Brandao-Marques, L. & Correa, R. & Sapriza, H., 2012. "International Evidence on Government Support and Risk-Taking in the Banking Sector," Other publications TiSEM 4a9756af-eb63-4867-ae29-3, Tilburg University, School of Economics and Management.
  19. Issa Faye & Thorsten Beck & Thouraya Triki & Samuel Munzele Maimbo, 2011. "Financing Africa : Through the Crisis and Beyond," World Bank Publications - Books, The World Bank Group, number 2355.
  20. Sarmiento, Miguel & Galán, Jorge E., 2014. "Heterogeneous effects of risk-taking on bank efficiency : a stochastic frontier model with random coefficients," DES - Working Papers. Statistics and Econometrics. WS ws142013, Universidad Carlos III de Madrid. Departamento de Estadística.
  21. Rofikoh Rokhim & In Min, 2020. "Funding Liquidity and Risk Taking Behavior in Southeast Asian Banks," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 56(2), pages 305-313, January.
  22. Diana Bonfim & Moshe Kim, 2012. "Systemic Liquidity Risk," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
  23. Brahim Guizani & Wako Watanabe, 2010. "The Deposit Insurance and the Risk-Shifting Incentive Evidence from the Blanket Deposit Insurance in Japan," Keio/Kyoto Joint Global COE Discussion Paper Series 2010-004, Keio/Kyoto Joint Global COE Program.
  24. Vasso Ioannidou & Steven Ongena & José-Luis Peydró, 2015. "Monetary Policy, Risk-Taking, and Pricing: Evidence from a Quasi-Natural Experiment," Review of Finance, European Finance Association, vol. 19(1), pages 95-144.
  25. Anginer, Deniz & Demirguc-Kunt, Asli & Zhu, Min, 2014. "How does deposit insurance affect bank risk? Evidence from the recent crisis," Journal of Banking & Finance, Elsevier, vol. 48(C), pages 312-321.
  26. Anginer, Deniz & Demirguc-Kunt, Asli, 2014. "Has the global banking system become more fragile over time?," Journal of Financial Stability, Elsevier, vol. 13(C), pages 202-213.
  27. Sascha Tobias Wengerek & Benjamin Hippert & André Uhde, 2019. "Risk allocation through securitization - Evidence from non-performing loans," Working Papers Dissertations 58, Paderborn University, Faculty of Business Administration and Economics.
  28. Alexei Karas & William Pyle & Koen Schoors, 2019. "Deposit Insurance, Market Discipline and Bank Risk," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 19/953, Ghent University, Faculty of Economics and Business Administration.
  29. Leyla Mammadova & Aytan Mammadova & Fuad Mammadov & Leyla Yusifzada, 2016. "Determinants of Depositors’ Behaviour: Heterogeneous Panel Estimates," Working Papers 1603, Central Bank of Azerbaijan Republic.
  30. Mathias Lé, 2014. "Heterogeneous Adjustments in Bank Leverage after Deposit Insurance Adoption," Working Papers halshs-01074956, HAL.
  31. Aida Barkauskaite & Ausrine Lakstutiene & Justyna Witkowska, 2018. "Measurement of Systemic Risk in a Common European Union Risk-Based Deposit Insurance System: Formal Necessity or Value-Adding Process?," Risks, MDPI, vol. 6(4), pages 1-21, December.
  32. Hwang, Sunjoo, 2019. "Is Bail-in Debt Bail-inable?," KDI Journal of Economic Policy, Korea Development Institute (KDI), vol. 41(4), pages 1-44.
  33. repec:ces:ifodic:v:17:y:2019:i:1:p:50000000005873 is not listed on IDEAS
  34. Michael G. Arghyrou & Maria Dolores Gadea, 2019. "Private bank deposits and macro/fiscal risk in the euro-area," CESifo Working Paper Series 7532, CESifo.
  35. Frederic Malherbe, 2020. "Optimal Capital Requirements over the Business and Financial Cycles," American Economic Journal: Macroeconomics, American Economic Association, vol. 12(3), pages 139-174, July.
  36. Anna Burova & Henry Penikas & Svetlana Popova, 2021. "Probability of Default Model to Estimate Ex Ante Credit Risk," Russian Journal of Money and Finance, Bank of Russia, vol. 80(3), pages 49-72, September.
  37. Pilar G -Fernᮤez-Aguado & Antonio Partal-Ure & Antonio Trujillo-Ponce, 2014. "Moving toward risk-based deposit insurance premiums in the European Union: the case of Spain," Applied Economics, Taylor & Francis Journals, vol. 46(13), pages 1547-1564, May.
  38. Gong, Qiang & Liu, Chong & Peng, Qianni & Wang, Luying, 2020. "Will CEOs with banking experience lower default risks? Evidence from P2P lending platforms in China," Finance Research Letters, Elsevier, vol. 36(C).
  39. repec:zbw:bofitp:2013_021 is not listed on IDEAS
  40. Xing Yan & Michael Skully & Katherine Avram & Tram Vu, 2014. "Market Discipline and Deposit Guarantee: Evidence from Australian Banks," International Review of Finance, International Review of Finance Ltd., vol. 14(3), pages 431-457, September.
  41. Barajas, Adolfo & Catalán, Mario, 2015. "Market discipline and conflicts of interest between banks and pension funds," Journal of Financial Intermediation, Elsevier, vol. 24(3), pages 411-440.
  42. Miguel Sarmiento, 2016. "Market Discipline and Liquidity Risk: Evidence from the Interbank Funds Market," IHEID Working Papers 14-2016, Economics Section, The Graduate Institute of International Studies.
  43. Mamatzakis, Emmanuel & Bermpei, Theodora, 2016. "What is the effect of unconventional monetary policy on bank performance?," Journal of International Money and Finance, Elsevier, vol. 67(C), pages 239-263.
  44. Charles W. Calomiris & Matthew Jaremski, 2016. "Deposit Insurance: Theories and Facts," Annual Review of Financial Economics, Annual Reviews, vol. 8(1), pages 97-120, October.
  45. Amr Khafagy, 2018. "Regulation, supervision and deposit insurance for financial cooperatives: an empirical investigation," Annals of Finance, Springer, vol. 14(2), pages 143-193, May.
  46. Bai, Haifeng & Ba, Shusong & Huang, Wenli & Hu, Wentao, 2020. "Expected government support and bank risk-taking: Evidence from China," Finance Research Letters, Elsevier, vol. 36(C).
  47. Seyed Alireza Athari & Farid Irani, 2022. "Does the country’s political and economic risks trigger risk-taking behavior in the banking sector: a new insight from regional study," Journal of Economic Structures, Springer;Pan-Pacific Association of Input-Output Studies (PAPAIOS), vol. 11(1), pages 1-10, December.
  48. Hoque, Hafiz & Andriosopoulos, Dimitris & Andriosopoulos, Kostas & Douady, Raphael, 2015. "Bank regulation, risk and return: Evidence from the credit and sovereign debt crises," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 455-474.
  49. Carletti, Elena & De Marco, Filippo & Ioannidou, Vasso & Sette, Enrico, 2021. "Banks as patient lenders: Evidence from a tax reform," Journal of Financial Economics, Elsevier, vol. 141(1), pages 6-26.
  50. Hans Degryse & Sanja Jakovljević & Steven Ongena, 2015. "A Review of Empirical Research on the Design and Impact of Regulation in the Banking Sector," Annual Review of Financial Economics, Annual Reviews, vol. 7(1), pages 423-443, December.
  51. Ion LAPTEACRU, 2022. "What drives the risk of European banks during crises? New evidence and insights," Bordeaux Economics Working Papers 2022-02, Bordeaux School of Economics (BSE).
  52. Raquel de F. Oliveira & Rafael F. Schiozer & Lucas A. B. de C. Barros, 2015. "Depositors’ Perception of "Too-Big-to-Fail"," Review of Finance, European Finance Association, vol. 19(1), pages 191-227.
  53. Degl'Innocenti, Marta & Fiordelisi, Franco & Song, Wei & Zhou, Si, 2023. "Shareholder litigation and bank risk," Journal of Banking & Finance, Elsevier, vol. 146(C).
  54. Guizani, Brahim & Watanabe, Wako, 2016. "The effects of public capital infusions on banks’ risk-shifting to the deposit insurance system in Japan," Journal of Financial Stability, Elsevier, vol. 26(C), pages 15-30.
  55. Chuang-Chang Chang & Ruey-Jenn Ho, 2017. "Risk-Shifting Behavior At Commercial Banks With Different Deposit Insurance Assessments: Further Evidence From U.S. Markets," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 40(1), pages 55-80, March.
  56. Westman, Hanna, 2011. "The impact of management and board ownership on profitability in banks with different strategies," Journal of Banking & Finance, Elsevier, vol. 35(12), pages 3300-3318.
  57. Chen, Wang & Zhang, Zhiwen & Hamori, Shigeyuki & Kinkyo, Takuji, 2021. "Not all bank systemic risks are alike: Deposit insurance and bank risk revisited," International Review of Financial Analysis, Elsevier, vol. 77(C).
  58. Jonathan Chiu & Mohammad Davoodalhosseini & Janet Hua Jiang & Yu Zhu, 2020. "Safe Payments," Staff Working Papers 20-53, Bank of Canada.
  59. Alexei Karas & William Pyle & Koen Schoors, 2021. "Deposit Insurance, Moral Hazard and Bank Risk," CESifo Working Paper Series 8867, CESifo.
  60. Peia, Oana & Vranceanu, Radu, 2019. "Experimental evidence on bank runs with uncertain deposit coverage," Journal of Banking & Finance, Elsevier, vol. 106(C), pages 214-226.
  61. Quintero-V, Juan C., 2023. "Deposit insurance and market discipline," Journal of Financial Stability, Elsevier, vol. 64(C).
  62. Brandao-Marques, Luis & Correa, Ricardo & Sapriza, Horacio, 2020. "Government support, regulation, and risk taking in the banking sector," Journal of Banking & Finance, Elsevier, vol. 112(C).
  63. Berger, Allen N. & Li, Xinming & Saheruddin, Herman & Zhao, Daxuan, 2024. "Government guarantees and bank liquidity creation around the world," Journal of Banking & Finance, Elsevier, vol. 158(C).
  64. Luong, Thi Mai & Pieters, Russell & Scheule, Harald & Wu, Eliza, 2020. "The impact of government guarantees on banks' wholesale funding costs and lending behavior: Evidence from a natural experiment," Pacific-Basin Finance Journal, Elsevier, vol. 61(C).
  65. Nguyen, Linh H. & Wilson, John O.S. & Le, Tuan Q. & Luu, Hiep N. & Nguyen, Tram-Anh & Vo, Vinh X., 2022. "Deposit insurance and credit union lending," Journal of Financial Stability, Elsevier, vol. 60(C).
  66. Pilar Gómez-Fernández-Aguado & Antonio Partal-Ureña & Antonio Trujillo-Ponce, 2013. "Evaluating the effects of the EU directive proposal for risk-based deposit insurance premiums in Spain," Working Papers 13.01, Universidad Pablo de Olavide, Department of Financial Economics and Accounting (former Department of Business Administration).
  67. Alexei Karas & William Pyle & Koen Schoors, 2013. "Deposit Insurance, Banking Crises, and Market Discipline: Evidence from a Natural Experiment on Deposit Flows and Rates," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 45(1), pages 179-200, February.
  68. Noman, Abu Hanifa Md. & Hassan, M. Kabir & Pervin, Sajeda & Isa, Che Ruhana & Sok-gee, Chan, 2022. "The mediating role of competition on deposit insurance and the risk-taking of banks in ASEAN countries," Research in International Business and Finance, Elsevier, vol. 59(C).
  69. repec:zbw:bofitp:2019_010 is not listed on IDEAS
  70. Ion Lapteacru, 2022. "What drives the risk of European banks during crises? New evidence and insights," Working Papers hal-03775463, HAL.
  71. Delis, Manthos D. & Iosifidi, Maria & Papadopoulos, Panagiotis, 2022. "Blessing or curse? Government funding of deposit insurance and corporate lending," Journal of Financial Stability, Elsevier, vol. 61(C).
  72. Joãoo Valle e Azeved & Diana Bonfim, 2019. "Deposit Insurance and Cross-Border Banks," ifo DICE Report, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 17(01), pages 14-20, May.
  73. Liu, Liuling & Zhang, Gaiyan & Fang, Yiwei, 2016. "Bank credit default swaps and deposit insurance around the world," Journal of International Money and Finance, Elsevier, vol. 69(C), pages 339-363.
  74. Godspower-Akpomiemie, Euphemia & Ojah, Kalu, 2021. "Market discipline, regulation and banking effectiveness: Do measures matter?," Journal of Banking & Finance, Elsevier, vol. 133(C).
  75. Thi Mai Luong, 2020. "Selection Effects of Lender and Borrower Choices on Risk Measurement, Management and Prudential Regulation," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 3-2020, January-A.
  76. Raquel de F. Oliveira & Rafael F. Schiozer & Lucas A. B. de C. Barros, 2011. "Too Big to Fail Perception by Depositors: an empirical investigation," Working Papers Series 233, Central Bank of Brazil, Research Department.
  77. Ion Lapteacru, 2022. "What drives the risk of European banks during crises? New evidence and insights," Working Papers hal-03625046, HAL.
  78. Maurizio Trapanese (coordinator) & Giorgio Albareto & Salvatore Cardillo & Massimo Castagna & Riccardo Falconi & Gennaro Pezzullo & Luca Serafini & Federico Signore, 2024. "The 2023 US banking crises: causes, policy responses, and lessons," Questioni di Economia e Finanza (Occasional Papers) 870, Bank of Italy, Economic Research and International Relations Area.
  79. Triki, Thouraya & Kouki, Imen & Dhaou, Mouna Ben & Calice, Pietro, 2017. "Bank regulation and efficiency: What works for Africa?," Research in International Business and Finance, Elsevier, vol. 39(PA), pages 183-205.
  80. Wilcox, James A. & Yasuda, Yukihiro, 2019. "Government guarantees of loans to small businesses: Effects on banks’ risk-taking and non-guaranteed lending," Journal of Financial Intermediation, Elsevier, vol. 37(C), pages 45-57.
  81. Delis, Manthos & Iosifidi, Maria & Papadopoulos, Panagiotis, 2020. "Blessing or curse? Government funding of deposit insurance and corporate lending," MPRA Paper 99153, University Library of Munich, Germany.
  82. Raheel Mumtaz & Imran Abbas Jadoon, 2018. "Effect of explicit deposit insurance premium on the moral hazard of banks’ risk-taking: Around the globe," International Journal of Financial Engineering (IJFE), World Scientific Publishing Co. Pte. Ltd., vol. 5(02), pages 1-24, June.
  83. A.O. Karas & William Pyle & Koen Schoors, 2019. "Deposit Insurance, Market Discipline and Bank Risk," Working Papers 19-02, Utrecht School of Economics.
  84. Koen Rossel-Cambier, 2011. "Is Combined Microfinance an Instrument to enhance Sustainable Pro-Poor Public Policy Outcomes?," Working Papers CEB 11-013, ULB -- Universite Libre de Bruxelles.
  85. repec:zbw:bofrdp:2014_002 is not listed on IDEAS
  86. Jokivuolle, Esa & Keppo, Jussi, 2014. "Bankers' compensation: : Sprint swimming in short bonus pools?," Research Discussion Papers 2/2014, Bank of Finland.
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