Financial Inclusion for Financial Stability : Access to Bank Deposits and the Growth of Deposits in the Global Financial Crisis

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collection.link.145
https://openknowledge.worldbank.org/handle/10986/7735
collection.link.5
https://openknowledge.worldbank.org/handle/10986/9
collection.name.145
World Development Report Background Papers
collection.name.5
Policy Research Working Papers
dc.contributor.author
Han, Rui
dc.contributor.author
Melecky, Martin
dc.date.accessioned
2013-10-02T16:14:42Z
dc.date.available
2013-10-02T16:14:42Z
dc.date.issued
2013-08
dc.date.lastModified
2017-12-13T12:48:11Z
dc.description.abstract
In crisis times, depositors get anxious, can run on banks, and withdraw their deposits. Correlated withdrawals of bank deposits could be mitigated if bank deposits are more diversified, that is, held by more individuals. This paper examines the link between the broader access to bank deposits prior to the 2008 crisis and the dynamics of bank deposit growth during the crisis, while controlling for relevant covariates. Employing proxies for access to deposits and the use of bank deposits, the authors find that greater access to bank deposits can make the deposit funding base of banks more resilient in times of financial stress. Policy efforts to enhance financial stability should thus not only focus on macroprudential regulation, but also recognize the positive effect of broader access to bank deposits on financial stability.
en
dc.identifier
http://documents.worldbank.org/curated/en/2013/08/18121066/financial-inclusion-financial-stability-access-bank-deposits-growth-deposits-global-financial-crisis
dc.identifier.uri
http://hdl.handle.net/10986/16010
dc.language
English
dc.language.iso
en_US
dc.publisher
World Bank, Washington, DC
dc.relation.ispartofseries
Policy Research Working Paper;No. 6577
dc.rights
CC BY 3.0 IGO
dc.rights.holder
World Bank
dc.rights.uri
http://creativecommons.org/licenses/by/3.0/igo/
dc.subject
ACCESS TO BANK
dc.subject
ACCESS TO CREDIT
dc.subject
ACCESS TO FINANCE
dc.subject
ACCESS TO FINANCIAL SERVICES
dc.subject
ACCESS TO SAVINGS
dc.subject
ACCOUNTING
dc.subject
ACCOUNTING STANDARDS
dc.subject
BANK ACCOUNT
dc.subject
BANK ACCOUNTS
dc.subject
BANK COMPETITION
dc.subject
BANK CONCENTRATION
dc.subject
BANK DEPOSIT
dc.subject
BANK DEPOSITORS
dc.subject
BANK DEPOSITS
dc.subject
BANK FINANCING
dc.subject
BANK LIQUIDITY
dc.subject
BANK RUN
dc.subject
BANK RUNS
dc.subject
BANK STABILITY
dc.subject
BANKERS ASSOCIATION
dc.subject
BANKING CONCENTRATION
dc.subject
BANKING CRISES
dc.subject
BANKING CRISIS
dc.subject
BANKING SECTOR
dc.subject
BANKING SECTOR ASSETS
dc.subject
BANKING SECTOR STABILITY
dc.subject
BANKING SECTORS
dc.subject
BANKING SERVICES
dc.subject
BANKING SYSTEM
dc.subject
BANKING SYSTEMS
dc.subject
BLANKET DEPOSIT GUARANTEES
dc.subject
BUSINESS CYCLE
dc.subject
CAPITAL ACCOUNT
dc.subject
CAPITAL CONTROLS
dc.subject
CAPITAL SENDING
dc.subject
COMMERCIAL BANKS
dc.subject
CONCENTRATION RATIO
dc.subject
CONSUMER PRICE INDEX
dc.subject
CONTAGION
dc.subject
CORPORATE GOVERNANCE
dc.subject
CREDITORS
dc.subject
CRISIS COUNTRIES
dc.subject
CURRENCY
dc.subject
DATA AVAILABILITY
dc.subject
DEPOSIT BASE
dc.subject
DEPOSIT FUNDING
dc.subject
DEPOSIT GROWTH
dc.subject
DEPOSIT GUARANTEES
dc.subject
DEPOSIT INSURANCE
dc.subject
DEPOSIT INSURANCE SCHEMES
dc.subject
DEPOSIT MONEY BANKS
dc.subject
DEPOSIT VARIABLES
dc.subject
DEPOSIT WITHDRAWAL
dc.subject
DEPOSIT WITHDRAWALS
dc.subject
DEPOSITOR
dc.subject
DEPOSITOR CONFIDENCE
dc.subject
DEPOSITORS
dc.subject
DEVELOPING COUNTRIES
dc.subject
DEVELOPMENT BANK
dc.subject
DIVERSIFICATION
dc.subject
DOMESTIC FINANCIAL INTERMEDIATION
dc.subject
DUMMY VARIABLE
dc.subject
EARNINGS
dc.subject
ECONOMIC DEVELOPMENT
dc.subject
ECONOMIC GROWTH
dc.subject
EMERGING MARKETS
dc.subject
EQUILIBRIUM CREDIT
dc.subject
EXPLICIT DEPOSIT
dc.subject
EXPLICIT DEPOSIT INSURANCE
dc.subject
EXPLICIT DEPOSIT INSURANCE SCHEME
dc.subject
EXPLICIT DEPOSIT INSURANCE SCHEMES
dc.subject
EXTERNAL FINANCING
dc.subject
EXTERNAL FUNDING
dc.subject
FINANCIAL ACCESS
dc.subject
FINANCIAL CONDITION
dc.subject
FINANCIAL CONDITIONS
dc.subject
FINANCIAL CRISIS
dc.subject
FINANCIAL DEEPENING
dc.subject
FINANCIAL DEVELOPMENT
dc.subject
FINANCIAL FLOWS
dc.subject
FINANCIAL INFRASTRUCTURE
dc.subject
FINANCIAL INSTITUTION
dc.subject
FINANCIAL INSTITUTIONS
dc.subject
FINANCIAL INTERMEDIATION
dc.subject
FINANCIAL OPENNESS
dc.subject
FINANCIAL POLICY
dc.subject
FINANCIAL RISK
dc.subject
FINANCIAL SECTOR
dc.subject
FINANCIAL SECTOR POLICY
dc.subject
FINANCIAL SECTOR REGULATION
dc.subject
FINANCIAL SECTOR STRATEGY
dc.subject
FINANCIAL SERVICES
dc.subject
FINANCIAL STABILITY
dc.subject
FINANCIAL STRESS
dc.subject
FINANCIAL SYSTEM
dc.subject
FORMAL FINANCIAL INSTITUTION
dc.subject
FUNDING SOURCE
dc.subject
GLOBAL FINANCE
dc.subject
GREATER ACCESS
dc.subject
GROWTH IN BANK DEPOSIT
dc.subject
GROWTH IN BANK DEPOSITS
dc.subject
GROWTH OF DEPOSITS
dc.subject
GROWTH RATE
dc.subject
HOUSEHOLD ACCESS
dc.subject
HOUSEHOLDS
dc.subject
INCOME
dc.subject
INCOME GROUPS
dc.subject
INCOME LEVEL
dc.subject
INFLATION
dc.subject
INFORMATIONAL ASYMMETRY
dc.subject
INSTRUMENT
dc.subject
INSURANCE
dc.subject
INSURED DEPOSITORS
dc.subject
INTERNATIONAL BANK
dc.subject
INVESTMENT FINANCING
dc.subject
INVESTMENT IN SECURITIES
dc.subject
LARGE DEPOSITORS
dc.subject
LENDERS
dc.subject
LEVEL OF INFLATION
dc.subject
LEVERAGE
dc.subject
LIQUID ASSETS
dc.subject
LIQUIDITY
dc.subject
LIQUIDITY POSITION
dc.subject
LIQUIDITY RISK
dc.subject
LOAN
dc.subject
LOW-INCOME COUNTRIES
dc.subject
MACRO-STABILITY
dc.subject
MACROECONOMIC STABILITY
dc.subject
MARKET INTEREST
dc.subject
MARKET INTEREST RATES
dc.subject
MIDDLE-INCOME COUNTRIES
dc.subject
NATIONAL CURRENCY
dc.subject
OUTPUT
dc.subject
OUTSTANDING DEPOSITS
dc.subject
OVERSEAS BANK
dc.subject
POLICY RESPONSE
dc.subject
POLICY RESPONSES
dc.subject
POLITICAL ECONOMY
dc.subject
PORTFOLIO
dc.subject
POVERTY ALLEVIATION
dc.subject
PRIVATE CREDIT
dc.subject
PROVISION OF CREDIT
dc.subject
PROVISIONING RULES
dc.subject
PUBLIC DEPOSIT INSURANCE
dc.subject
PUBLIC POLICY
dc.subject
RETURN
dc.subject
RETURNS
dc.subject
RISK AVERSION
dc.subject
RISK EXPOSURE
dc.subject
RISK MANAGEMENT
dc.subject
SAVINGS
dc.subject
SAVINGS DEPOSITS
dc.subject
SECURITIES
dc.subject
SHARE OF ASSETS
dc.subject
SMALL SAVERS
dc.subject
SOURCE OF FUNDS
dc.subject
SYSTEMIC BANKING CRISES
dc.subject
SYSTEMIC BANKING CRISIS
dc.subject
SYSTEMIC RISK
dc.subject
TRADITIONAL DEPOSIT
dc.subject
USE OF DEPOSITS
dc.subject
VOLATILITY
dc.subject
WHOLESALE FUNDING
dc.subject
WITHDRAWAL
dc.subject
WITHDRAWAL DEMAND
dc.subject
WITHDRAWAL OF DEPOSITS
dc.subject
WORLD DEVELOPMENT INDICATOR
dc.title
Financial Inclusion for Financial Stability : Access to Bank Deposits and the Growth of Deposits in the Global Financial Crisis
en
okr.date.disclosure
2013-08-01
okr.doctype
Publications & Research :: Policy Research Working Paper
okr.doctype
Publications & Research
okr.docurl
http://documents.worldbank.org/curated/en/2013/08/18121066/financial-inclusion-financial-stability-access-bank-deposits-growth-deposits-global-financial-crisis
okr.globalpractice
Finance and Markets
okr.globalpractice
Trade and Competitiveness
okr.googlescholar.linkpresent
yes
okr.identifier.doi
10.1596/1813-9450-6577
okr.identifier.externaldocumentum
000158349_20130819085609
okr.identifier.internaldocumentum
18121066
okr.identifier.report
WPS6577
okr.language.supported
en
okr.pdfurl
http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2013/08/19/000158349_20130819085609/Rendered/PDF/WPS6577.pdf
en
okr.topic
Finance and Financial Sector Development :: Access to Finance
okr.topic
Banks and Banking Reform
okr.topic
Private Sector Development :: Emerging Markets
okr.topic
Finance and Financial Sector Development :: Debt Markets
okr.topic
Finance and Financial Sector Development :: Deposit Insurance
okr.unit
Development Economics Vice Presidency
okr.volume
1 of 1

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