Deposit insurance suitable for Europe: Proposal for a three-stage deposit guarantee scheme with limited European liability

In this note, a new concept for a European deposit guarantee scheme is proposed, which takes account of the strong political reservations against a mutualization of the liability for bank deposits. The three-stage model for deposit insurance outlined in the text builds on existing national deposit guarantee schemes, offering loss compensation on a European level and at the same time preventing excessive risk and moral hazard taking by individual banks.

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Year of publication:	2013
Authors:	Krahnen, Jan Pieter
Institutions:	Research Center SAFE (Sustainable Architecture for Finance in Europe), House of Finance
Subject:	banking union \| deposit insurance \| bank risk

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Extent:	application/pdf
Series:	SAFE Policy Letters.
Type of publication:	Book / Working Paper
Notes:	Number 8
Source:	RePEc - Research Papers in Economics

Persistent link: https://www.econbiz.de/10011163870