"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 …

"This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns … banks, however, attract most of their short-term funding in the form of non-deposits at a cost of enhanced bank fragility … risky, which is consistent with the demise of the U.S. investment banking sector. "--World Bank web site …