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

Demirgü ; ç ; -Kunt, Asli ; Kane, Edward J. ; Laeven, Luc

World Bank, Washington, DC

关键词: ACCOUNTABILITY;    ACCOUNTING;    ACCOUNTING STANDARDS;    BANK ASSETS;    BANK CAPITAL;   

DOI  :  10.1596/1813-9450-3969
RP-ID  :  WPS3969

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

This 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.