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Using evidence from Russia, we explore the effect of the introduction of deposit insurance on bank risk. Drawing on …
Persistent link: https://www.econbiz.de/10012867247
I study the relation between shadow banking and financial stability in an economy in which banks are susceptible to self-fulfilling runs and in which government-backed deposit insurance is limited. Shadow banks issue only uninsured deposits while commercial banks issue both insured and uninsured...
Persistent link: https://www.econbiz.de/10012135982
We study capital regulation in a dynamic banking model with non-maturing deposits. Optimal withdrawals of depositors make bank deposits endogenously long-term. Capital regulation addresses deposit dilution but is subject to a time-inconsistency problem. Comparing the optimal policies of...
Persistent link: https://www.econbiz.de/10014355377
This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced by the U.S. Emergency Economic Stabilization Act in October 2008, which increased the deposit insurance coverage from $100,000 to $250,000 per depositor and bank. For some...
Persistent link: https://www.econbiz.de/10010225568
This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced by the U.S. Emergency Economic Stabilization Act in October 2008, which increased the deposit insurance coverage from $100,000 to $250,000 per depositor and bank. For some...
Persistent link: https://www.econbiz.de/10010226538
This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced by the U.S. Emergency Economic Stabilization Act in October 2008, which increased the deposit insurance coverage from $100,000 to $250,000 per depositor and bank. For some...
Persistent link: https://www.econbiz.de/10012061062
The present study undertakes an overview of the role of deposit guarantee schemes (DGSs) within the banking crisis management framework. It is structured in four Section:Section 1 discusses the policy objectives of DGSs, namely the protection of depositors and the contribution to the stability...
Persistent link: https://www.econbiz.de/10012437049
In this paper we show that allowing deposit guarantee schemes (DGSs) the option of supporting asset and liability transfers in the event of a bank's insolvency provides important economic benefits. However, only 11 EU Member States have so far included such "alternative measures" in their DGSs'...
Persistent link: https://www.econbiz.de/10013402050
Persistent link: https://www.econbiz.de/10011790739
The work of Diamond and Dybvig, 1983 is commonly understood as a theory of bank runs driven by self-fulfilling prophecies. Their contribution may alternatively be interpreted as a theory for preventing these bank runs. Absent aggregate risk over liquidity demand, they show that a simple scheme...
Persistent link: https://www.econbiz.de/10011744046