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The Nordic Banking Crisis
			: Pitfalls in Financial Liberalization:  Pitfalls in Financial Liberalization

The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization »

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

DOI: http://dx.doi.org/10.5089/9781557757005.084

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

This study examines the banking crises in Finland, Norway and Sweden, which took place in the early 1990s, and draws some policy conclusions from their experiences. One key conclusion is that factors in addition to...

Nordic Regional Report

Nordic Regional Report »

Source: Nordic Regional Report : Selected Issues

Volume/Issue: 2013/275

Series: IMF Staff Country Reports

Author(s): International Monetary Fund. European Dept.

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 05 September 2013

ISBN: 9781484391556

Keywords: banking, banking system, deposit insurance, deposit insurance coverage, banking sector

This Selected Issues paper elaborates findings and discussions of 2013 Cluster Consultation Nordic Regional report. The countries have close economic and financial ties and face some common challenges and shared ri...

The Use of Blanket Guarantees in Banking Crises

The Use of Blanket Guarantees in Banking Crises »

Source: The Use of Blanket Guarantees in Banking Crises

Volume/Issue: 2008/250

Series: IMF Working Papers

Author(s): Luc Laeven , and Fabian Valencia

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 October 2008

ISBN: 9781451871081

Keywords: banking, liquidity support, banking system, deposit insurance, bank restructuring

In episodes of significant banking distress or perceived systemic risk to the financial system, policymakers have often opted for issuing blanket guarantees on bank liabilities to stop or avoid widespread bank runs...

I Introduction

I Introduction »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

The banking industries in several industrial countries, including the Nordic countries, underwent considerable change in the 1980s. 1 It was a period marked by economic deregulati...

II Banking Regulation and Its Impact on the Structure of the Financial System

II Banking Regulation and Its Impact on the Structure of the Financial System »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

In the early 1980s, the banking systems in Finland, Norway, and Sweden were heavily regulated. The regulations, which shaped the structure of their financial systems, were motivated largely by the same princ...

III Deregulation

III Deregulation »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

The regulation of the financial markets in the Nordic countries led to significant distortions in the allocation and pricing of credit. However, regulatory protection was not sufficient to isolate segments o...

IV Response to Deregulation

IV Response to Deregulation »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

Banks, just like other enterprises, develop their business practices and behavior on the basis of the prevailing regulatory environment, as the preceding section illustrated. Financial deregulation, which wa...

V Boom-and-Bust Cycles and the Banking Crises

V Boom-and-Bust Cycles and the Banking Crises »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

In the previous section, we discussed the response of borrowers, lenders, and policymakers to deregulation; we now turn to the macroeconomic environment that developed following deregulation. All three count...

VI Bank Restructuring Operations and the Performance of the Banking Systems

VI Bank Restructuring Operations and the Performance of the Banking Systems »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

It is generally considered important that a banking crisis be resolved quickly to minimize the adverse effects that arise from distorted incentives caused by the operation of insolvent financial institutions...

VII Conclusions

VII Conclusions »

Source: The Nordic Banking Crisis : Pitfalls in Financial Liberalization: Pitfalls in Financial Liberalization

Series: Occasional Papers

Author(s): Burkhard Drees , and Ceyla Pazarbasioglu

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 20 April 1998

ISBN: 9781557757005

Keywords: banking, banking crisis, deposit insurance, bank lending, financial institutions

Financial deregulation expands lenders’ and borrowers’ opportunities and capabilities for taking risks. As the Nordic experiences illustrate, if inappropriate incentives coincide with a macroeconomic environ...