Deposit insurance suitable for Europe: Proposal for a three-stage deposit guarantee scheme with limited European liability

Jan Krahnen ()

No 8, SAFE Policy Letters from Leibniz Institute for Financial Research SAFE

Abstract: In this note, a new concept for a European deposit guarantee scheme is proposed, which takes account of the strong political reservations against a mutualization of the liability for bank deposits. The three-stage model for deposit insurance outlined in the text builds on existing national deposit guarantee schemes, offering loss compensation on a European level and at the same time preventing excessive risk and moral hazard taking by individual banks.

Keywords: banking union; deposit insurance; bank risk (search for similar items in EconPapers)
Date: 2013
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Citations: View citations in EconPapers (2)

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