Log in

Relevant bibliographies by topics / System of deposit insurance / Journal articles

To see the other types of publications on this topic, follow the link: System of deposit insurance.

Journal articles on the topic 'System of deposit insurance'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'System of deposit insurance.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

HABRELIAN, Andrii, and Oleksandr BODNARCHUK. "Development of the bank deposit insurance system in Ukraine." Economics. Finances. Law 6, no. - (2023): 50–55. http://dx.doi.org/10.37634/efp.2023.6.11.

Full text

Abstract:

The paper examines the peculiarities of the formation and development of domestic bank deposit insurance systems. It has been established that one of the conditions for the normal operation of the banking system is the presence of appropriate systems to support their viability - bank deposit insurance systems. To date, such systems, with rare exceptions, function in most countries with a market economy. Bank deposit insurance systems perform two equal functions: first, they protect individuals and legal entities - clients of the banking system from the loss of their deposits (both partial and

APA, Harvard, Vancouver, ISO, and other styles

2

DAVID RUSIA, DAVID RUSIA. "DEPOSIT INSURANCE SYSTEM IN GEORGIA AND WORLD TRENDS." New Economist 18, no. 04 (2024): 65–70. http://dx.doi.org/10.36962/nec18042023-65.

Full text

Abstract:

The deposit insurance system is one of the main challenges of Georgian Banking regulation, which serves as a safety pillow of financial stability. Over the past 5 years, Georgia has increased the minimum deposit insurance limit from 5,000 GEL to 15,000 GEL per bank in order to achieve greater stability in the financial market. Georgia has already made a decision to increase the limit to 30,000 GEL from January 1, 2024. We examined the impact of the deposit insurance system on the safety of customers of banking institutions by comparing the volume of accounts/deposits protected by the system wi

APA, Harvard, Vancouver, ISO, and other styles

3

White, Lawrence J. "The Reform of Federal Deposit Insurance." Journal of Economic Perspectives 3, no. 4 (1989): 11–29. http://dx.doi.org/10.1257/jep.3.4.11.

Full text

Abstract:

In early 1989, the system of deposit insurance in the United States was in crisis. The Federal Savings and Loan Insurance Corporation (FSLIC), the U.S. government agency that provided deposit insurance for savings and loan (thrift) institutions, had sustained massive losses from the insolvencies of hundreds of thrifts. Tens of billions of dollars of general Treasury revenues will be necessary to make good the losses in the insurance fund, which had previously been financed solely through premiums assessed on thrifts' deposits. The Federal Deposit Insurance Corporation (FDIC), which provides si

APA, Harvard, Vancouver, ISO, and other styles

4

Lapteva, E. V. "Statistic Analysis of Bank Deposit Insurance System in the Russian Federation." Vestnik of the Plekhanov Russian University of Economics, no. 4 (July 20, 2025): 138–44. https://doi.org/10.21686/2413-2829-2025-4-138-144.

Full text

Abstract:

In the last decade in crisis conditions of country economy, withdrawal of licenses of many commercial banks due to deterioration of their finance standing and low confidence of people to the banking system because of insufficient finance literacy the system of compulsory insurance of deposits became a necessary tool for raising funds into country economy. The article provides a complex analysis of operation of the Agency on Deposit Insurance from 2004 to 2023, which includes dynamics of insurance premium, structure of insured resources and efficiency of system functioning. The author elaborate

APA, Harvard, Vancouver, ISO, and other styles

5

Isazade, Afkan R. "Azerbaijan: deposit insurance system." Journal of Financial Regulation and Compliance 17, no. 3 (2009): 318–35. http://dx.doi.org/10.1108/13581980910972250.

Full text

APA, Harvard, Vancouver, ISO, and other styles

6

Sjafruddin, Sjafruddin, and Iskandar Iskandar. "TATA KELOLA SISTEM PENJAMINAN SIMPANAN PERBANKAN DI INDONESIA." J-ISCAN: Journal of Islamic Accounting Research 2, no. 2 (2020): 113–25. http://dx.doi.org/10.52490/j-iscan.v2i2.932.

Full text

Abstract:

The ratification of Law Number 24 of 2004 concerning the Deposit Insurance Corporation (LPS) marks the formal process of institutionalizing the deposit insurance system in Indonesian banking. After the banking systemic crisis in 1997 that hit various countries including Indonesia, the government made various stabilization and reform policies in the financial sector to improve the banking system. The blanket guarantee policy for bank customer deposits in 1998 with no limits (blanket guarantee) restored public confidence in banks, but on the other hand this guarantee also created a moral hazard

APA, Harvard, Vancouver, ISO, and other styles

7

OVCHINNIKOVA, YU S. "APPLICATION OF BANK DEPOSIT INSURANCE LEGISLATION: MAIN ASPECTS." Gaps in Russian Legislation 17, no. 2 (2024): 92–97. http://dx.doi.org/10.33693/2072-3164-2024-17-2-092-097.

Full text

Abstract:

The article highlights the special relevance of the legal study of the bank deposit insurance system. The authors have identified the main trends in the historical development of the bank deposit insurance system, which are generally of positive importance. The article also analyzes the main problems of legislation and law enforcement practice in the field of bank deposit insurance. The conclusion is formulated that the legitimate interest of depositors should be protected primarily, while the established judicial practice in some cases indicates the opposite. In addition, the legislation on i

APA, Harvard, Vancouver, ISO, and other styles

8

Kleftouri, Nikoletta. "Meeting the rationale of deposit protection system." Journal of Financial Regulation and Compliance 22, no. 4 (2014): 300–317. http://dx.doi.org/10.1108/jfrc-03-2013-0009.

Full text

Abstract:

Purpose – The purpose of this paper is to explore the full potential of an effective deposit insurance system. The current financial crisis in Europe has arguably casted fresh doubt on the role and need for deposit insurance. In this regard, the deposit insurance system’s rationale is a key starting issue in order to fully understand its design and role within a financial safety net system. Design/methodology/approach – Using the UK regulatory regime as the main reference point, the deposit insurance system’s objectives are divided into two broad categories: depositor protection and financial

APA, Harvard, Vancouver, ISO, and other styles

9

Пеникас, Генрих Иозович. "Неявное страхование вкладов в России после пандемии". Известия Дальневосточного федерального университета. Экономика и управление, № 4 (15 березня 2024): 55–70. http://dx.doi.org/10.24866/2311-2271/2023-4/55-70.

Full text

Abstract:

Implicit deposit insurance is the name given to the cases when citizens prefer allocating deposits within banks with state (government) ownership when the deposit amount exceeds the limit covered by the state deposit insurance system. Implicit deposit insurance has already gained the focus of research attention in Russia, but during the times of pandemics and limited to deposits for the region of Moscow. The current study uses more up-to-date data of 2023-24 and extends the regional coverage to 25 regions of Russia. We evidence that the earlier found U-shaped dependence of the deposit rate pre

APA, Harvard, Vancouver, ISO, and other styles

10

Rokhim, Rofikoh, and Nevya Wulandary. "PENGARUH PENJAMINAN SIMPANAN, CAR, DAN NPL PADA TINGKAT DEPOSIT, RISIKO MORAL HAZARD, DAN NIM." EKUITAS (Jurnal Ekonomi dan Keuangan) 17, no. 4 (2018): 468–85. http://dx.doi.org/10.24034/j25485024.y2013.v17.i4.115.

Full text

Abstract:

Banking industry plays a very important role in Indonesian economy. Therefore, stability of banking system is considered substantial by the government. Bank Indonesia (BI), the central bank; Indonesia Deposit Insurance Corporation (LPS) and Financial Services Authority (FSA) seeks to preserve the stability of banking system using policy of capital adequacy ratio (CAR), the maximum limit of non-performing loan (NPL) and the obligations to become member of deposit insurance. This study wants to examine whether these regulations affect the level of deposits, moral hazard risk and the net interest

APA, Harvard, Vancouver, ISO, and other styles

11

Aldunate, Felipe. "Deposit Insurance, Bank Risk-Taking, and Failures: Evidence from Early Twentieth-Century State Deposit Insurance Systems." Review of Corporate Finance Studies 8, no. 2 (2019): 260–301. http://dx.doi.org/10.1093/rcfs/cfz001.

Full text

Abstract:

Abstract I use the introduction of deposit insurance in eight U.S. states in the early twentieth-century to study the effects of deposit insurance on the banking system. Using a triple difference approach exploiting regulatory differences between national and state banks and between states, I find that insured banks experienced higher deposit growth and decreased funding costs. I also observe a replacement of demand deposits by riskier time deposits. However, I find no aggregate effects on failure rates or risk-taking. Using hand-collected micro-level data, I show that small and large banks re

APA, Harvard, Vancouver, ISO, and other styles

12

Wenbo, Lu. "The reference of American and British insurance deposit system to China's deposit insurance system." Finance Analysis and Management 2, no. 1 (2020): 13–19. http://dx.doi.org/10.35534/fam.0201003c.

Full text

APA, Harvard, Vancouver, ISO, and other styles

13

Penikas, H. I. "Premium for implicit deposit insurance within Russian state banks." Voprosy Ekonomiki, no. 10 (October 11, 2021): 89–112. http://dx.doi.org/10.32609/0042-8736-2021-10-89-112.

Full text

Abstract:

Deposit insurance system (DIS) exists for 17 years in Russia. The major deposit market share belongs to state banks. Ordinary depositors may perceive the status of the bank state ownership to reflect additional deposit safety, even in the excess of the DIS limits. Such a situation is called an “implicit deposit insurance” in the literature. By offering a sort of implicit deposit insurance services state banks might underprice the deposits in excess of DIS limits compared to the private banks. We utilize data from the open sources to measure the scale of the implicit deposit insurance pricing i

APA, Harvard, Vancouver, ISO, and other styles

14

Chang, Dong-Han, and Ki-Seok Oh. "Analysis of Risk-based Premium Rate of Deposit Insurance for Korean Property & Liability Insurance Business." Asia Europe Perspective Association 18, no. 4 (2021): 113–20. https://doi.org/10.31203/aepa.2021.18.4.006.

Full text

Abstract:

Risk-based premium rate system has been adopted since 2014 for Korean deposit insurance to promote equity of rate making and to prevent moral hazard of financial institutions and they differentiate deposit insurance premium rate based upon business performance and financial condition of each insurance company. Setting 0.15% for standard deposit insurance premium rate for insurance business, they can scale up or down the final rate for each insurer within ±10%. It is controversial whether the current risk-based premium rate mechanism is good enough for promoting efficiency and equity of the Kor

APA, Harvard, Vancouver, ISO, and other styles

15

Barkauskaite, Aida, Ausrine Lakstutiene, and Justyna Witkowska. "Measurement of Systemic Risk in a Common European Union Risk-Based Deposit Insurance System: Formal Necessity or Value-Adding Process?" Risks 6, no. 4 (2018): 137. http://dx.doi.org/10.3390/risks6040137.

Full text

Abstract:

Scientific discussions have emphasized that the main problem with the current deposit insurance system is that the current system does not evaluate the risks that banks assume to calculate the deposit insurance premiums in many countries of the European Union (E.U.). Thus, the prevailing system does not safeguard a sufficient level of stability in the banking system. Scientific studies show that the deposit insurance system should consider not only the risk indicators for individual banks, but it must also consider the systemic risk of banks that affects the stability of the banking system. He

APA, Harvard, Vancouver, ISO, and other styles

16

Tchiotashvili, David, and Khaliana Chitadze. "Deposit insurance risk portfolio investment policy, management and results in Georgia." InterConf, no. 47(209) (July 19, 2024): 99–109. http://dx.doi.org/10.51582/interconf.19-20.07.2024.008.

Full text

Abstract:

Deposit insurance is a widely tested, dynamic, stable and effective mechanism in the world, which in turn involves the investment policy of the deposit insurance risk portfolio, its effective management and ensures protection of deposits from various types of financial risks in the event of an insurance event. Based on the correct and targeted investment policy, effective management and achieved results of the deposit insurance risk portfolio, we can safely say that the reform, which was introduced in 2018 in accordance with the best international practices and taking into account the recommen

APA, Harvard, Vancouver, ISO, and other styles

17

Matasane, Matsietso Agnes. "Appraising the regulatory framework of the new South African Deposit Insurance System." De Jure 57, no. 1 (2024): 24–45. http://dx.doi.org/10.17159/2225-7160/2024/v57a3.

Full text

Abstract:

South Africa has recently established its first deposit insurance body, the Corporation for Deposit Insurance (the Corporation), as part of the Twin Peaks regulatory reforms following the 2008/09 Global Financial Crisis (Crisis). The primary responsibilities of the Corporation are to establish, maintain and administer a deposit insurance fund to protect the banks' covered depositors and inform the depositors of its benefits and limitations, should a bank be placed into resolution. The rationale behind the protection of depositors is premised on the need to maintain confidence and financial sta

APA, Harvard, Vancouver, ISO, and other styles

18

Shkolnyk, Inna, Dmytro Tkachenko, Viktoriia Kremen, Alina Bukhtiarova, and Andrii Semenog. "Deposit insurance development (on the example of Ukraine)." Banks and Bank Systems 17, no. 4 (2022): 99–115. http://dx.doi.org/10.21511/bbs.17(4).2022.09.

Full text

Abstract:

The deposit insurance market is an essential subsystem of Ukraine’s financial infrastructure. The study aims to evaluate the development of deposit insurance in Ukraine based on the depth of deposit insurance, the implementation of the deposit guarantee function, the activity of the banking system and to identify their impact on the development of deposit insurance at various stages.To determine the periods of deposit insurance in Ukraine, it was proposed to use the methodological toolkit of cluster analysis, having carried out the following stages: selecting input-defining features, variable

APA, Harvard, Vancouver, ISO, and other styles

19

Lekpek, Ahmedin. "Deposit insurance: Conventional and Shariah approach." Zbornik radova Pravnog fakulteta Nis 61, no. 97 (2022): 137–52. http://dx.doi.org/10.5937/zrpfn1-41837.

Full text

Abstract:

Deposit insurance has become an integral element of the modern banking system, which contributes to the safety of depositors and the business stability of banks. This paper analyzes the conventional and Shariah approach to deposit insurance. The paper aims to consider the features of the conventional and Shariah approach to deposit insurance, including their similarities and differences. Based on the analysis of the mentioned approaches and considering their functions in the banking system, it can be concluded that the Islamic deposit insurance model, created in accordance with Shariah princip

APA, Harvard, Vancouver, ISO, and other styles

20

Zorčić, Ksenija, and Miloš Janković. "Development and perspectives of the deposit insurance system worldwide." Bankarstvo 51, no. 2 (2022): 61–85. http://dx.doi.org/10.5937/bankarstvo2202061z.

Full text

Abstract:

The history of the development of the deposit insurance system is quite long. There are a large number of different systems operating in the world that have changed over time, adapting to the circumstances in the environment. In any case, deposit insurance has become a central component of the financial safety net in most countries. The subject of this paper is an analysis of the development of the deposit insurance system throughout history, a comparative analysis of the organisation, functions and mandate of deposit insurers, with an emphasis on the importance of the deposit insurance system

APA, Harvard, Vancouver, ISO, and other styles

21

Cornut, Charles. "The French System of Deposit Insurance." Revue d'économie financière (English ed.) 60, no. 5 (2000): 215–20. http://dx.doi.org/10.3406/ecofi.2000.4516.

Full text

APA, Harvard, Vancouver, ISO, and other styles

22

Sugarova, Irina V. "Deposit insurance system: features of functioning." Vestnik of North-Ossetian State University, no. 3(2020) (September 25, 2020): 188–95. http://dx.doi.org/10.29025/1994-7720-2020-3-188-195.

Full text

APA, Harvard, Vancouver, ISO, and other styles

23

Alam, Nafis, Ganesh Sivarajah, and Muhammad Ishaq Bhatti. "Do Deposit Insurance Systems Promote Banking Stability?" International Journal of Financial Studies 9, no. 3 (2021): 52. http://dx.doi.org/10.3390/ijfs9030052.

Full text

Abstract:

During the global financial crisis (GFC), regulators and policymakers turned to deposit insurers, along with monetary and fiscal measures, to help restore market confidence and promote financial stability. These events have focused attention on the role of deposit insurers and their role in the banking system. Recent literature reveals that during the GFC, deposit insurance maintained banking stability and successfully prevented customers doing ‘runs’ on the banks. The objective of this paper is to examine the deposit insurance system’s coverage limits and the impact on banking stability, in t

APA, Harvard, Vancouver, ISO, and other styles

24

Fendi, Usama Adnan. "Toward Islamic deposit insurance model." Journal of Islamic Accounting and Business Research 11, no. 1 (2020): 130–51. http://dx.doi.org/10.1108/jiabr-06-2017-0077.

Full text

Abstract:

Purpose This paper aims to provide an essential framework for establishing Shariah-compliant deposit insurance scheme, by reviewing the Shariah provisions concerning the available approaches for deposit guarantee, types of deposits in Islamic financial institutions and the permissible party to incur the cost of this guarantee. Design/methodology/approach This paper reviews the Fiqh rules and principles approved by the well-known Islamic Fiqh references, as well as the resolutions of International Islamic Fiqh Academy (IIFA) and Shariah standards issued by Accounting and Auditing Organization f

APA, Harvard, Vancouver, ISO, and other styles

25

Смирнов, Е., and E. Smirnov. "New in Deposit Insurance." Auditor 5, no. 5 (2019): 3–9. http://dx.doi.org/10.12737/article_5cde653cf0ee40.68424627.

Full text

Abstract:

In January of this year, Federal Law No. 322-FZ of August 3, 2018, entered into force, which was initiated by the State Duma deputies, A.G. Aksakov, Yu.P. Oleynikov, M.L. Shakkum and other parliamentarians, which extended the country’s system of deposit insurance to small businesses.

APA, Harvard, Vancouver, ISO, and other styles

26

Luliansari, Sri Fatimah, and Dian Filianti. "FAKTOR-FAKTOR YANG MEMPENGARUH TERHADAP TINGKAT DEPOSIT BANK UMUM SYARIAH PERIODE 2011-2018." Jurnal Ekonomi Syariah Teori dan Terapan 6, no. 12 (2020): 2451. http://dx.doi.org/10.20473/vol6iss201912pp2451-2470.

Full text

Abstract:

This study aims to determine the effect of partial and simultaneous variables of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Deposit Insurance System (DIS) on Deposit Rates of Islamic commercial banks in the 2011-2018 period. The data used in this study are secondary data from the Financial Services Authority Report and Sharia Banking Annual Report 2010-2018. The analytical method used in this study is the penel data regression analysis test, where the sample used amounted to 11 Islamic commercial banks obtained by purposive sampling method. The results of the analysis of

APA, Harvard, Vancouver, ISO, and other styles

27

Gundogdu, Aysel. "An analysis on deposit insurance of Turkish banking system by core principles for effective deposit insurance systems." Pressacademia 2, no. 3 (2015): 353. http://dx.doi.org/10.17261/pressacademia.2015312960.

Full text

APA, Harvard, Vancouver, ISO, and other styles

28

Sun, Lingyan, Tianning Shi, and Panlu Shi. "Research on the Deposit Insurance Pricing Under the Marketing RMB Interest Rate." Applied Finance and Accounting 2, no. 2 (2016): 86. http://dx.doi.org/10.11114/afa.v2i2.1721.

Full text

Abstract:

The deposit insurance pricing is the core issue of deposit insurance system, it determines the success or failure of the deposit insurance system in a way. In the current deposit insurance pricing methods, we treat the interest rates as a constant. With the interest rate marketization in China, the deposit insurance pricing methods have also changed accordingly. In this paper, we will give a functional representation of the impact of RMB interest rate marketization on interest rate by fitting the coefficients of the cubic function. Then we will use the data of 2013 to prove it. For the points

APA, Harvard, Vancouver, ISO, and other styles

29

Ma, Jiacheng. "Impact of Deposit Insurance System on Moral Hazard of Commercial Banks." Frontiers in Business, Economics and Management 18, no. 2 (2025): 239–45. https://doi.org/10.54097/hxx8ss92.

Full text

Abstract:

With the advancement of financial globalization, China, as a country with a trade surplus, exports products to various countries around the world while also absorbing different currencies. In this context, the issue of how to maintain economic security while holding a large amount of foreign currency has become a topic worth considering. To ensure the safety of currency deposits, the government must have sufficient means and the capability to secure the currency. In the long term, the establishment of deposit insurance in China and its impact on the risks associated with commercial banks' mora

APA, Harvard, Vancouver, ISO, and other styles

30

Krahlevych, Vyacheslav. "THE DEPOSIT GUARANTEE FUND OF UKRAINE: TOWARDS EU STANDARDS OF RIGHTS PROTECTION." Access to Justice in Eastern Europe 5, no. 4 (2022): 1–11. http://dx.doi.org/10.33327/ajee-18-5.4-n000430.

Full text

Abstract:

Abstract An effective deposit insurance system is commonly considered the strongest instrument for increasing confidence in banking systems, as well as for encouraging private investments in banking services. In developing relevant legislation and institutions in line with EU standards, Ukraine will ensure that its deposit guarantee system can be integrated with that of the EU. In light of the relevant legislation, we examine the EU’s deposit guarantee system in general and with regard to its particular characteristics, namely: insured entity, compensation amount, legal terminology, and financ

APA, Harvard, Vancouver, ISO, and other styles

31

Demirgüç-Kunt, Asli, and Enrica Detragiache. "Does Deposit Insurance Increase Banking System Stability?" IMF Working Papers 00, no. 3 (2000): 1. http://dx.doi.org/10.5089/9781451841893.001.

Full text

APA, Harvard, Vancouver, ISO, and other styles

32

Blair, Christine E., Frederick Carns, and Rose M. Kushmeider. "Instituting a deposit insurance system: Why? How?" Journal of Banking Regulation 8, no. 1 (2006): 4–19. http://dx.doi.org/10.1057/palgrave.jbr.2350038.

Full text

APA, Harvard, Vancouver, ISO, and other styles

33

Тимохин, Р. В., and Р. А. Султанов. "Theoretical aspects of the deposit insurance system." Экономика и предпринимательство, no. 6(131) (August 9, 2021): 107–10. http://dx.doi.org/10.34925/eip.2021.131.6.018.

Full text

Abstract:

В настоящее время сложно найти человека, который не пользовался бы банковскими услугами, а в частности хранением средств на счетах банка. Данные учреждения являются важными финансовыми посредниками в современном мире, без которых не представляется функционирование финансовой сферы в целом, а надежность является ключевым фактором взаимодействия банка с клиентами. Потеря доверия к банковской системе несет в себе сокрушительные последствия в виде разрыва связи финансового и реального секторов экономики. На данный момент странами вводятся меры безопасности, направленные на снижения подобных рисков

APA, Harvard, Vancouver, ISO, and other styles

34

Chang, Yiming, Shangmei Zhao, and Fei Hu. "The Payouts Choice for Deposit Insurance System." Journal of Systems Science and Complexity 32, no. 5 (2019): 1404–25. http://dx.doi.org/10.1007/s11424-019-7419-6.

Full text

APA, Harvard, Vancouver, ISO, and other styles

35

Travkina, Yelena Vladimirovna. "Improving the System for Ensuring the Reliability of Savings Returns in the Russian Banking Sector." Общество политика экономика право, no. 9 (September 2020): 24–29. http://dx.doi.org/10.24158/pep.2020.9.4.

Full text

Abstract:

One of the most multifaceted and multidimensional socially significant categories in the development of the Russian savings system is its stability and relia-bility. In this regard, the study of ways to improve the system of guarantees of reliability of savings in the banking sector as one of the segments of the Russian savings system is an important tool in de-termining the directions of its further effective de-velopment. The paper assesses the main levels of implementation of the modern system of guarantees of the reliability of savings return in the banking sector, analyzes the world exper

APA, Harvard, Vancouver, ISO, and other styles

36

Jumreornvong, Seksak, Chanakarn Chakreyavanich, Sirimon Treepongkaruna, and Pornsit Jiraporn. "Capital Adequacy, Deposit Insurance, and the Effect of Their Interaction on Bank Risk." Journal of Risk and Financial Management 11, no. 4 (2018): 79. http://dx.doi.org/10.3390/jrfm11040079.

Full text

Abstract:

This paper investigates how deposit insurance and capital adequacy affect bank risk for five developed and nine emerging markets over the period of 1992–2015. Although full coverage of deposit insurance induces moral hazard by banks, deposit insurance is still an effective tool, especially during the time of crisis. On the contrary, capital adequacy by itself does not effectively perform the monitoring role and leads to the asset substitution problem. Implementing the safety nets of both deposit insurance and capital adequacy together could be a sustainable financial architecture. Immediate-ef

APA, Harvard, Vancouver, ISO, and other styles

37

Voronov, A. A. "Deposit Insurance system as an Element of Civil society Activity." Izvestiya of Saratov University. Sociology. Politology 9, no. 2 (2009): 20–23. https://doi.org/10.18500/1818-9601-2009-9-2-20-23.

Full text

Abstract:

The article analyses the role of private deposit insurance as a social phenomenon within the framework of civil society in modern Russia. The emergence of deposit insurance system in Russia at the turn of the 21st century is retraced as well as its special features compared to those of other countries.

APA, Harvard, Vancouver, ISO, and other styles

38

Chi, Pham Thi, and Dao Thanh Binh. "Deposit Insurance and Bank Risks in Vietnam." Business and Economic Research 10, no. 2 (2016): 46. http://dx.doi.org/10.5296/ber.v10i2.16750.

Full text

Abstract:

The relationship between deposit insurance and banking risks has been widely studied, but has been the subject of relatively few empirical studies, especially for Vietnamese banking system. This research aims to explore the effect of deposit insurance on banks’ risk taking in Vietnam. The paper employs 7 bank specific variables and 2 macroeconomic variables, as well the premium paid by banks as variables for the regression models used. The results suggest that deposit insurance does impact banks’ risk taking incentive but it has different effects on each type of risk. It is concluded that cred

APA, Harvard, Vancouver, ISO, and other styles

39

Suhardiono, Suhardiono, Roy Sembel, and Suwandi Suwandi. "Peran Lembaga Penjamin Simpanan dalam Menjaga Stabilitas Sektor Perbankan di Indonesia: Systematic Literature Review." Ekonomis: Journal of Economics and Business 9, no. 1 (2025): 146. https://doi.org/10.33087/ekonomis.v9i1.2177.

Full text

Abstract:

This study aims to understand the role of the Deposit Insurance Corporation (LPS) in maintaining the stability of the banking sector in Indonesia through a systematic literature review methodology. This study analyzes 12 articles identified from the Emerald and Elsevier databases using the keywords "deposit insurance" and "Indonesia," selected according to the PRISMA guidelines. The results show that the deposit insurance system in Indonesia, especially after the introduction of the Blanket Guarantee Scheme (BGS) after the 1998 financial crisis, has succeeded in restoring public confidence in

APA, Harvard, Vancouver, ISO, and other styles

40

Bitkina, I. K. "On the issue of the development of the regulatory framework for ensuring the financial stability of the deposit insurance and pension savings system in the Russian Federation." Siberian Financial School, no. 3 (November 30, 2023): 131–36. http://dx.doi.org/10.34020/1993-4386-2023-3-131-136.

Full text

Abstract:

The article examines the regulatory framework for ensuring the financial stability of the national deposit insurance system, its modern structure, highlights the problems and prospects for development. The purpose of this study is to substantiate the need to develop the regulatory framework for the functioning of the deposit insurance system, ensuring an increase in its financial stability. Based on the results of the study: the need to clarify the terminological apparatus of the application of regulatory legal acts in the field of the organization of the insurance system in connection with th

APA, Harvard, Vancouver, ISO, and other styles

41

Čavlin, Miroslav, Jelena Vapa-Tankosić, and Srđan Egić. "Perspectives of the financial stability protection and banking risk prevention." Ekonomija: teorija i praksa 14, no. 3 (2021): 109–26. http://dx.doi.org/10.5937/etp2103109q.

Full text

Abstract:

The deposit insurance system is the backbone of the protective mechanism of the financial security network, which enables the prevention of a "stampede" of depositors on banks in order to prevent a negative effect on the stability of the financial system. Therefore, especially in the event of a crisis, such as the pandemic caused by COVID-19, the protection of financial stability and depositors emphasizes the importance and role of efficient organization of the deposit insurance system. The paper starts from the analysis of the concept of a financial security network in order to create a relev

APA, Harvard, Vancouver, ISO, and other styles

42

SEMENOH, Andrii, and Dmytro TKACHENKO. "The deposit insurer’s capacity assessment in the context of impact on the financial system stability." Economics. Finances. Law 7/2024, no. - (2024): 141–45. http://dx.doi.org/10.37634/efp.2024.7.30.

Full text

Abstract:

The paper is devoted to the development of a scientific and methodological approach to determining the indicators of the deposit insurer's ability to influence the financial system stability. The scale and complexity of the tasks of ensuring the immediate and gradual reconstruction of Ukraine, high dynamics and proper quality of economic growth, the functioning of the economy in the conditions of war and a constant external threat actualize the issue of increasing domestic investment potential and intensifying the transformation of household savings into investments. It creates challenges for

APA, Harvard, Vancouver, ISO, and other styles

43

Yoshino, Naoyuki, Farhad Taghizadeh-Hesary, and Farhad Nili. "Fair premium rate of the deposit insurance system based on banks’ creditworthiness." Studies in Economics and Finance 36, no. 1 (2019): 8–31. http://dx.doi.org/10.1108/sef-05-2017-0105.

Full text

Abstract:

Purpose Deposit insurance is a key element in modern banking, as it guarantees the financial safety of deposits at depository financial institutions. It is necessary to have at least a dual fair premium rate system based on creditworthiness of financial institutions, as considering singular premium system for all banks will have moral hazard. This paper aims to develop theoretical and empirical model for calculating dual fair premium rates. Design/methodology/approach The definition of a fair premium rate in this paper is a rate that covers the operational expenditures of the deposit insuring

APA, Harvard, Vancouver, ISO, and other styles

44

Taranenko, Lidiia. "Deposit guarantee system in Ukraine: current challenges, strategic priorities and directions of development." Scientific bulletin of Polissia, no. 2 (29) (March 6, 2025): 511–30. https://doi.org/10.25140/2410-9576-2024-2(29)-511-530.

Full text

Abstract:

The article examines the current challenges faced by the deposit guarantee system in Ukraine and identifies strategic priorities for its development. Particular attention is paid to the study of the strategic priorities of the Deposit Guarantee Fund (DGF), its financial stability and compliance with European standards. The author identifies global challenges for deposit insurers, including climate change, the effects of Covid-19, and the changing role of deposit insurers in resolving the crisis. The author considers the key aspects of the financial security system that directly affect deposit

APA, Harvard, Vancouver, ISO, and other styles

45

Pandiangan, Naomi. "Determination of Deposit Insurance Premium (LPS): Merton’s Option Theory with Co-Insurance Consideration." Operations Research: International Conference Series 1, no. 2 (2021): 44–49. http://dx.doi.org/10.47194/orics.v1i2.24.

Full text

Abstract:

Indonesia is a developing country that implements a deposit insurance system. Deposit Insurance Agency or LPS is an Indonesian deposit insurance established in 2004, which is Indonesian still unfamiliar with LPS, both among researchers, and the general public. Almost all deposit insurance in every country including Indonesia has the same problem, the problem is how to calculate premiums and how to avoid moral hazard by banks, therefore in this study will discuss how to determine premiums from the development of Black-Scholes option theory (1973) conducted by Merton (1977). To prevent banks fro

APA, Harvard, Vancouver, ISO, and other styles

46

Wheelock, David C. "Regulation and Bank Failures: New Evidence from the Agricultural Collapse of the 1920s." Journal of Economic History 52, no. 4 (1992): 806–25. http://dx.doi.org/10.1017/s0022050700011918.

Full text

Abstract:

This article examines the contribution of government policies to the high number of bank failures in the United States during the 1920s. In the state of Kansas, which had a system of voluntary deposit insurance and where branch banking was strictly prohibited, bank failure rates were highest in counties suffering the greatest agricultural distress and where deposit insurance system membership was highest. The evidence for Kansas illustrates how prohibitions on branch banking caused unit banks to be especially vulnerable to local economic shocks and suggests that deposit insurance caused more b

APA, Harvard, Vancouver, ISO, and other styles

47

Dvořák, Petr. "The Principles of Efficient Banking Deposit Insurance System ABSTRACT." Český finanční a účetní časopis 2008, no. 4 (2008): 21–28. http://dx.doi.org/10.18267/j.cfuc.286.

Full text

APA, Harvard, Vancouver, ISO, and other styles

48

Mumtaz, Raheel, and Imran Abbas Jadoon. "Effect of explicit deposit insurance premium on the moral hazard of banks’ risk-taking: Around the globe." International Journal of Financial Engineering 05, no. 02 (2018): 1850012. http://dx.doi.org/10.1142/s2424786318500123.

Full text

Abstract:

The adoption of explicit deposit insurance increases the moral hazard of banks’ risk-taking, caused by the decrease in depositors’ discipline. Based on the contract theory, this study probes whether the inception of risk-based deposit insurance premium may limit the moral hazard of banks’ risk-taking triggered by the deposit insurance. This study conducted the analysis on 2,196 banks of 125 countries, covered by the Bankscope database from 2002 to 2014 period. The hierarchical linear models (HLM) were used for empirical estimation of research models. The findings revealed that risk-based depos

APA, Harvard, Vancouver, ISO, and other styles

49

Sjafruddin, Sjafruddin. "SISTEM PENJAMINAN SIMPANAN (DEPOSIT INSURANCE SYSTEM) PADA INDUSTRI PERBANKAN INDONESIA." AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah 1, no. 2 (2019): 77–90. http://dx.doi.org/10.52490/at-tijarah.v1i2.717.

Full text

Abstract:

Banking plays a very important role in the economy along with its function to channel funds from parties who have excess funds (surplus of funds) to those who need funds (lack of funds). If the banking industry does not work well, the economy will become inefficient and the expected economic growth will not be achieved. The risks that are always inherent in the financial and banking sectors, can trigger a crisis at any time and result in a collapse of the country's economy. To overcome the impact of the crisis, the government must pay quite large public costs. This article analyzes several imp

APA, Harvard, Vancouver, ISO, and other styles

50

Cheklaukova, E. L. "CHANGES IN THE DEPOSIT INSURANCE SYSTEM IN RUSSIA." Modern Technologies and Scientific and Technological Progress 1, no. 1 (2019): 335–36. http://dx.doi.org/10.36629/2686-9896/2019-1-1-335-336.

Full text

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!