in banking"--World Bank web site …

"There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role … scheme are more stable and less likely to become insolvent. Involvement of the deposit insurer in bank failure resolution … thus dampens the negative effect that deposit insurance has on banks' risk taking. "--World Bank web site …

institutions dispose a country toward adopting design features that inadequately control risk-shifting. "--World Bank web site …