Financial Capabilities of Deposit Guarantee Schemes

Jakub Kerlin
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Jakub Kerlin: Warsaw School of Economics

Chapter 4 in The Role of Deposit Guarantee Schemes as a Financial Safety Net in the European Union, 2017, pp 91-136 from Palgrave Macmillan

Abstract: Abstract This chapter presents the effectiveness of potential deposit guarantee scheme interventions in their most common forms, namely, standard paybox deposit payout procedures for insolvent banks. Initially, two key deposit insurance agency effectiveness components, psychological and financial, were described. Special attention was given to the scope of potentially effective interventions of deposit insurers, which largely rely on financial means of the given institution. The chapter presents the causes of low deposit guarantee schemes’ effectiveness. Analysis of the traditional paybox deposit guarantee model proves it inefficient. Also, it is shown that proposed reforms may be insufficient to provide depositor protection and financial stability in the EU.

Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:pal:pmschp:978-3-319-54163-1_4

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DOI: 10.1007/978-3-319-54163-1_4

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