European Deposit Insurance System (EDIS): Cornerstone of the Banking Union or Dead End?

2019 ◽  
Author(s):  
Veerle A. Colaert ◽  
Gilian Bens
Keyword(s):  
Deposit Insurance ◽  
Banking Union ◽  
Insurance System ◽  
Dead End ◽  
Deposit Insurance System

scholarly journals Sources Of Non-Performing Loans In Turkish Banking System

2011 ◽  
Vol 5 (10) ◽  
Author(s):  
Gokhan Karabulut ◽  
Mehmet Huseyin Bilgin
Keyword(s):  
Financial Stability ◽  
Deposit Insurance ◽  
Developing Economies ◽  
Banking System ◽  
Bank Loans ◽  
System Stability ◽  
Insurance System ◽  
Turkish Government ◽  
Deposit Insurance System ◽  
The Impact

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="font-family: Times New Roman; font-size: x-small;">The purpose of this paper is to examine the impact of the unlimited deposit insurance on non-performing loans and market discipline. Deposit insurance program play a crucial role in achieving financial stability. Governments in many advanced and developing economies established deposit insurance schemes for reducing the risk of systemic failure of banks. Deposit insurance has a beneficial effect of reducing the probability of a bank run.<span style="mso-spacerun: yes;">&nbsp; </span>However deposit insurance systems have its own set of problems. Deposit insurance systems create moral hazard incentives that encourage banks to take excessive risk. Turkey established an explicit deposit insurance system in 1960. Until 1994, the coverage determined by a flat rate but in that date, Turkey experienced a major economic crisis. In April 1994, Turkish government started to apply an unlimited deposit insurance scheme to restore banking system stability. Unlimited deposit insurance caused a remarkable increase at non-performing loans. This paper empirically estimates the impact of unlimited deposit insurance system on non-performing bank loans (NPLs) and analyses the other potential sources of NPLs. </span></p>

The Payouts Choice for Deposit Insurance System

2019 ◽  
Vol 32 (5) ◽  
pp. 1404-1425
Author(s):  
Yiming Chang ◽  
Shangmei Zhao ◽  
Fei Hu
Keyword(s):  
Deposit Insurance ◽  
Insurance System ◽  
Deposit Insurance System

Information Disclosure and Bank Risk-Taking under a Partially Implicit Deposit Insurance System: Evidence from China

2015 ◽  
Vol 48 (2) ◽  
pp. 163-176 ◽  
Author(s):  
Zongrun Wang ◽  
Jiangyan Chen ◽  
Yuanyuan Wan ◽  
Yanbo Jin ◽  
Jared Anthony Mazzanti
Keyword(s):  
Risk Taking ◽  
Information Disclosure ◽  
Deposit Insurance ◽  
Bank Risk ◽  
Insurance System ◽  
Deposit Insurance System
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