Deposit Insurance Design and Implementation: Policy Lessons from Research and Practice

33 Pages Posted: 20 Apr 2016

See all articles by Asli Demirgüç-Kunt

Asli Demirgüç-Kunt

World Bank

Edward J. Kane

Boston College - Department of Finance; National Bureau of Economic Research (NBER)

Luc Laeven

European Central Bank (ECB); Centre for Economic Policy Research (CEPR)

Date Written: 07/01/2006

Abstract

This paper illustrates the trends in deposit insurance adoption. It discusses the cross-country differences in design, and synthesizes the policy messages from cross-country empirical work as well as individual country experiences. The paper develops practical lessons from this work and distills the evidence into a set of principles of good design. Cross-country empirical research and individual-country experience confirm that, for at least the time being, officials in many countries would do well to delay the installation of a deposit insurance system.

Keywords: Banks & Banking Reform, Financial Intermediation, Financial Crisis Management & Restructuring, Insurance & Risk Mitigation, Non Bank Financial Institutions

Suggested Citation

Demirgüç-Kunt, Asli and Kane, Edward J. and Laeven, Luc A., Deposit Insurance Design and Implementation: Policy Lessons from Research and Practice (07/01/2006). World Bank Policy Research Working Paper No. 3969, Available at SSRN: https://ssrn.com/abstract=923276

Asli Demirgüç-Kunt (Contact Author)

World Bank ( email )

1818 H Street, NW
Washington, DC 20433
United States

Edward J. Kane

Boston College - Department of Finance ( email )

Fulton Hall
Chestnut Hill, MA 02467
United States
520-299-5066 (Phone)
617-552-0431 (Fax)

National Bureau of Economic Research (NBER)

1050 Massachusetts Avenue
Cambridge, MA 02138
United States

Luc A. Laeven

European Central Bank (ECB) ( email )

Sonnemannstrasse 22
Frankfurt am Main, 60314
Germany

Centre for Economic Policy Research (CEPR)

London
United Kingdom

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