Dionne, Georges - Centre Interuniversitaire sur le Risque, les Politiques … - 2003
because it imposes the same rules on all banks. This seems particularly unsuitable when applied to credit risk which is the … major source of a bank's risk (about 70%). Moreover, diversification of a bank's credit-risk portfolio is not taken into … preventing bank runs. Pricing deposit insurance according to the individual bank's risk seems to be the most appropriate strategy …