Determinants of Deposit-Insurance Adoption and Design

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

World Bank, Washington, DC

关键词: ACCOUNTABILITY;    BANK DEPOSITS;    BANK REGULATION;    BANK RISK;    BANKING CRISES;   

DOI  :  10.1596/1813-9450-3849
RP-ID  :  WPS3849

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

The authors seek to identify factors that influence decisions about a country's financial safety net, using a new dataset on 170 countries covering the 1960-2003 period. Specifically, they focus on how outside influences, economic development, crisis pressures, and political institutions affect deposit insurance adoption and design. Controlling for the influence of economic characteristics and events such as macroeconomic shocks, occurrence and severity of crises, and institutional development, they find that pressure to emulate developed-country regulatory frameworks and power-sharing political institutions dispose a country toward adopting design features that inadequately control risk-shifting.