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Designing a multinational deposit insurance system : implications for the european deposit insurance scheme / Esa Jokivuolle and George Pennacchi

Jokivuolle, Esa 1964-; Pennacchi, George, 1955-, co-autor

IFO DICE Report . ISSN2511-7823 . Munich : IFO Institut, Vol. 17, no 1 (2019) , p. 21-25

There are two main benefits to a credible deposit insurance system, whether the system is national or multinational. One is that deposit insurance protects the savings of financially unsophisticated individuals and small businesses. These retail bank customers often lack the ability to judge a bank’s credit risk or find it very costly to do so. Credible deposit insurance removes their need to concern themselves with a bank’s default risk and provides them with what might be their only safe savings vehicle. The other major benefit relates to the short-term, demandable nature of deposits that makes them convenient for settling transactions. Liquidating deposits at short notice allows for immediate settlement of payments, but can also lead to a bank run, where depositors may seek to withdraw their savings en masse if they believe that their bank’s failure may be imminent. [Da introd.]

seguro de crédito; atividade bancária; depósito bancário; União Europeia; controlo bancário

24 (16) INSTITUIÇÕES FINANCEIRAS E CRÉDITO

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