Kane, Edward J.Demirgüç-Kunt, AsliLaeven, Luc2012-06-182012-06-182006-07https://hdl.handle.net/10986/8376This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the evidence into a set of principles of good design. Cross-country empirical research and individual-country experience confirm that, for at least the time being, officials in many countries would do well to delay the installation of a deposit insurance system.CC BY 3.0 IGOACCOUNTABILITYACCOUNTINGACCOUNTING STANDARDSBANK ASSETSBANK CAPITALBANK DEPOSITSBANK LENDINGBANK REGULATIONBANK RISKBANK RUNSBANK TRANSPARENCYBANKING CRISESBANKING CRISISBANKING INDUSTRYBANKING PANICSBANKING SECTORBANKING STABILITYBANKING SYSTEMBANKING SYSTEMSBANKRUPTCYBANKSBONDINGBUDGET DEFICITSCAPITALIZATIONCENTRAL BANKCOINSURANCECONTRACT ENFORCEMENTCORPORATE GOVERNANCECORRESPONDENT BANKSDEBTDEPOSIT GUARANTEESDEPOSIT INSURANCEDEPOSIT INSURANCE COVERAGEDEPOSIT INSURANCE SCHEMESDEPOSIT INSURANCE SYSTEMSDEPOSITORSDEPOSITSDEVELOPMENT BANKSDISTRESSED BANKSECONOMETRIC EVIDENCEECONOMIC GROWTHECONOMICSFEDERAL DEPOSIT INSURANCEFINANCIAL CRISESFINANCIAL CRISISFINANCIAL FRAGILITYFINANCIAL INNOVATIONFINANCIAL INSTITUTIONSFINANCIAL INTEGRATIONFINANCIAL MARKETSFINANCIAL SAFETY NETSFINANCIAL SERVICESFINANCIAL STABILITYFOREIGN CURRENCY DEPOSITSGOVERNMENT GUARANTEESINCOME GROUPSINDIVIDUAL ACCOUNTSINFLATIONINSOLVENCYINSOLVENT BANKSINSTITUTIONAL DEVELOPMENTINSURANCE DESIGNINSURANCE FUNDSINSURANCE LAWINSURANCE OBLIGATIONSINSURANCE SYSTEMINSURANCE SYSTEMSINSURED DEPOSITSINSURERSINTEREST EXPENSEINTEREST RATESLATIN AMERICANLEGISLATIONLEVEL PLAYING FIELDLIQUIDITYMACROECONOMIC STABILIZATIONMARKET DISCIPLINEMIDDLE EASTMORAL HAZARDNONPERFORMING LOANSNORTH AFRICAPREMIUMSPRIVATE BANKSPRIVATIZATIONPRODUCTIVITYPROGRAMSPRUDENTIAL REGULATIONPRUDENTIAL REGULATION AND SUPERVISIONREGULATORY FORBEARANCERESERVESRETIREMENTRISK TAKINGSAVINGSSAVINGS ACCOUNTSSTATE BANKSSTOCK PRICESSUB-SAHARAN AFRICASUPERVISORY FRAMEWORKTIME DEPOSITSVOLATILITYWorld Bank10.1596/1813-9450-3969