This paper uses survey data for 29,000 households from 29 transition economies to explore how the use of banking services is related to household characteristics, bank ownership structure and the development of the financial infrastructure. At the household level we find that the holding of a...

"There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role of the deposit insurer. The authors use quantitative analysis for 57 countries and discuss specific country cases to illustrate this variation. Using data for over 1,700 banks...

Germany's private deposit insurance scheme with its "clublike" nature, cannot easily be transplanted to countries with weaker institutions. But it offers useful lessons for countries that want to set up a new scheme or reform an existing one