Cover The Design and Implementation of Deposit Insurance Systems
The Design and Implementation of Deposit Insurance Systems
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Abstract

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.

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Author:
Mr. David S. Hoelscher
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,
Mr. Michael W Taylor
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, and
Mr. Ulrich H Klueh
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Series:
Occasional Papers
Publisher:
International Monetary Fund
Language:
English
Publication Date:
07 Dec 2006
DOI:
https://doi.org/10.5089/9781589065031.084
ISBN:
9781589065031
ISSN:
0251-6365
Pages:
88
Keywords:
OP; deposit; insurance system; deposit insurance system; depositor; deposit insurance agency; deposit insurance practice; FSF report; Deposit insurance; Commercial banks; Bank deposits; Cooperative banks; Distressed institutions; Middle East; Europe; Africa; Asia and Pacific; Moral hazard
Legal-disclaimer:
The views expressed in this book are those of the authors and should not be reported as or attributed to the International Monetary Fund, its Executive Board, or the governments of any of its member countries.
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