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Deposit Insurance: A Survey of Actual and Best Practices
Author:
Ms. G. G. Garcia null

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Series:
IMF Working Papers
Volume/Issue:
Volume 1999: Issue 054
Language:
English
Publication Date:
01 Apr 1999
DOI:
https://doi.org/10.5089/9781451847499.001
ISBN:
9781451847499
ISSN:
1018-5941
Pages:
49
Keywords:
WP; DIS; bank; country; depositor; government; coverage ratio; adverse selection; run Dis; banks fail; Dis contract; lender of last resort; DIS staff; financial backing; forty-five Dis; a number of country; operated Dis; government funding; Deposit insurance; Commercial banks; Moral hazard; Lender of last resort; Bank deposits; Europe; Africa; Asia and Pacific; Middle East; Western Hemisphere
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IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.
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The paper surveys the characteristics of explicit systems of deposit insurance in 68 countries. It compares these actual practices with a set of best practices that has been adopted by IMF staff for their advice to member countries. These best practices seek to establish a system of deposit insurance that provides incentives for all parties—whether they are directly or indirectly affected by the guarantee—to keep the financial system sound. The paper discerns some convergence toward best practices in recent years, but notes several areas where improvements in the incentive structure are still necessary.
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Cover IMF Working Papers
IMF Working Papers
ISSN:
1018-5941
Publisher:
International Monetary Fund