Determinants of Deposit-Insurance Adoption and Design

Demirgüç-Kunt, Asli; Kane, Edward J.; Laeven, Luc

doi:10.1596/1813-9450-3849

collection.link.5	https://openknowledge.worldbank.org/handle/10986/9
collection.name.5	Policy Research Working Papers
dc.contributor.author	Demirgüç-Kunt, Asli
dc.contributor.author	Kane, Edward J.
dc.contributor.author	Laeven, Luc
dc.date.accessioned	2012-06-21T22:39:17Z
dc.date.available	2012-06-21T22:39:17Z
dc.date.issued	2006-02
dc.date.lastModified	2021-04-23T14:02:40Z
dc.description.abstract	The authors seek to identify factors that influence decisions about a country's financial safety net, using a new dataset on 170 countries covering the 1960-2003 period. Specifically, they focus on how outside influences, economic development, crisis pressures, and political institutions affect deposit insurance adoption and design. Controlling for the influence of economic characteristics and events such as macroeconomic shocks, occurrence and severity of crises, and institutional development, they find that pressure to emulate developed-country regulatory frameworks and power-sharing political institutions dispose a country toward adopting design features that inadequately control risk-shifting.	en
dc.identifier	http://documents.worldbank.org/curated/en/2006/02/6600507/determinants-deposit-insurance-adoption-design
dc.identifier.uri	http://hdl.handle.net/10986/8744
dc.language	English
dc.publisher	World Bank, Washington, DC
dc.relation.ispartofseries	Policy Research Working Paper; No. 3849
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	ACCOUNTABILITY
dc.subject	BANK DEPOSITS
dc.subject	BANK REGULATION
dc.subject	BANK RISK
dc.subject	BANKING CRISES
dc.subject	BANKING CRISIS
dc.subject	BANKING PANICS
dc.subject	BANKING SECTOR
dc.subject	BANKING SYSTEM
dc.subject	BENCHMARK
dc.subject	CAPITALIZATION
dc.subject	COINSURANCE
dc.subject	CONFIDENCE IN BANKS
dc.subject	COVERAGE
dc.subject	DEPOSIT GUARANTEES
dc.subject	DEPOSIT INSURANCE
dc.subject	DEPOSIT INSURANCE SCHEMES
dc.subject	DEPOSIT INSURANCE SYSTEMS
dc.subject	DEPOSITORS
dc.subject	ECONOMICS
dc.subject	ENDOGENOUS VARIABLES
dc.subject	FEDERAL DEPOSIT INSURANCE
dc.subject	FEDERAL DEPOSIT INSURANCE CORPORATION
dc.subject	FINANCIAL CRISES
dc.subject	FINANCIAL CRISIS
dc.subject	FINANCIAL INSTITUTIONS
dc.subject	FINANCIAL INTERMEDIARIES
dc.subject	FINANCIAL INTERMEDIATION
dc.subject	FINANCIAL SECTOR
dc.subject	FOREIGN CURRENCY DEPOSITS
dc.subject	GDP
dc.subject	GDP PER CAPITA
dc.subject	GROWTH RATE
dc.subject	INCOME GROUPS
dc.subject	INFLATION
dc.subject	INSOLVENCY
dc.subject	INSTITUTIONAL DEVELOPMENT
dc.subject	INSTITUTIONAL ENVIRONMENT
dc.subject	INSURANCE
dc.subject	INSURANCE AGENCIES
dc.subject	INSURANCE BENEFITS
dc.subject	INSURANCE DESIGN
dc.subject	INSURANCE SYSTEM
dc.subject	INTEGRITY
dc.subject	MACROECONOMIC CONDITIONS
dc.subject	MACROECONOMIC SHOCKS
dc.subject	MARKET DISCIPLINE
dc.subject	MONETARY POLICY
dc.subject	MORAL HAZARD
dc.subject	NATIONAL ECONOMY
dc.subject	OWNERSHIP STRUCTURE
dc.subject	POLITICAL ECONOMY
dc.subject	PREDICTIONS
dc.subject	PRIVATE BANKS
dc.subject	PRIVATIZATION
dc.subject	RATES
dc.subject	REAL GDP
dc.subject	REAL INTEREST RATE
dc.subject	REGULATORY SYSTEMS
dc.subject	RESERVE BANK OF NEW ZEALAND
dc.subject	STATISTICAL ANALYSIS
dc.subject	VOTERS
dc.title	Determinants of Deposit-Insurance Adoption and Design	en
okr.doctype	Publications & Research :: Policy Research Working Paper
okr.doctype	Publications & Research
okr.docurl	http://documents.worldbank.org/curated/en/2006/02/6600507/determinants-deposit-insurance-adoption-design
okr.globalpractice	Macroeconomics and Fiscal Management
okr.globalpractice	Finance and Markets
okr.googlescholar.linkpresent	yes
okr.identifier.doi	10.1596/1813-9450-3849
okr.identifier.externaldocumentum	000016406_20060215165351
okr.identifier.internaldocumentum	6600507
okr.identifier.report	WPS3849
okr.language.supported	en
okr.pdfurl	http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2006/02/15/000016406_20060215165351/Rendered/PDF/wps3849.pdf	en
okr.topic	Economic Theory and Research
okr.topic	Insurance and Risk Mitigation
okr.topic	Banks and Banking Reform
okr.topic	Finance and Financial Sector Development :: Financial Intermediation
okr.topic	Financial Crisis Management and Restructuring
okr.topic	Macroeconomics and Economic Growth
okr.unit	Development Research Group (DECRG)
okr.volume	1 of 1

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Trust, Voice, and Incentives : Learning from Local Success Stories in Service Delivery in the Middle East and North Africa

The Extractive Industries Sector : Essentials for Economists, Public Finance Professionals, and Policy Makers

Shock Waves : Managing the Impacts of Climate Change on Poverty

Deposit Insurance Design and Implementation : Policy Lessons from Research and Practice

Deposit Insurance Around the Globe : Where Does It Work?

The 2007 Meltdown in Structured Securitization : Searching for Lessons, Not Scapegoats

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Trust, Voice, and Incentives : Learning from Local Success Stories in Service Delivery in the Middle East and North Africa

The Extractive Industries Sector : Essentials for Economists, Public Finance Professionals, and Policy Makers

Shock Waves : Managing the Impacts of Climate Change on Poverty

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