The Design and Implementation of Deposit Insurance Systems

By David S. Hoelscher, Michael W Taylor, Ulrich H Klueh

December 7, 2006

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David S. Hoelscher, Michael W Taylor, and Ulrich H Klueh. The Design and Implementation of Deposit Insurance Systems, (USA: International Monetary Fund, 2006) accessed December 3, 2024

Summary

This paper describes recently established deposit insurance systems, identifying emerging trends. In line with previous IMF work on the subject, it argues against the development of "best practices" applicable to all systems. Rather, it stresses the importance of incorporating each country’s individual objectives in adopting a deposit insurance system, as well as that country’s characteristics, to ensure an effective system that minimizes disincentives and distortions to financial sector intermediation. The paper includes a summary of the academic literature.

Subject: Bank deposits, Banking, Commercial banks, Cooperative banks, Deposit insurance, Distressed institutions, Financial crises, Financial institutions, Financial sector policy and analysis, Financial services, Moral hazard

Keywords: Africa, Asia and Pacific, Bank deposits, Commercial banks, Cooperative banks, Deposit, Deposit insurance, Deposit insurance agency, Deposit insurance practice, Deposit insurance system, Depositor, Distressed institutions, Europe, FSF report, Insurance system, Middle East, Moral hazard, OP

Publication Details

Pages:

88
Volume:

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DOI:

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Issue:

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Series:

Occasional Paper No. 2006/006
Stock No:

S251EA
ISBN:

9781589065031
ISSN:

0251-6365

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