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Deposit Insurance

Ronald MacDonald

in Handbooks from Centre for Central Banking Studies, Bank of England

Abstract: This Handbook aims to give practical guidance on the essential questions which have to be addressed in the establishment of deposit insurance schemes. It examines the rationale for deposit insurance and the risk that insurance creates moral hazard. It then discusses the differences between formal deposit insurance schemes and implicit (or ad hoc)arrangements for depositor insurance, and the feasibility of private insurance. After describing different types of scheme it deals with more detailed matters such as triggers for the payment of compensation, the selection of those categories of deposit which are to be protected, compensation ceilings and co-insurance. Finally, it discusses the financing of compensation payments and administrative arrangements. This handbook is also available in Russian and Spanish.

Keywords: Deposit; insurance (search for similar items in EconPapers)
JEL-codes: G21 G22 (search for similar items in EconPapers)
Date: 1996
ISBN: 1 85730 097 7 (English) 1 85730 099 8 (Russian)
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