How does deposit insurance affect bank risk ? evidence from the recent crisis (English)

Deposit insurance is widely offered in a number of countries as part of a financial system safety net to promote stability. An unintended consequence of deposit insurance is the reduction in the incentive of depositors to monitor banks, which leads to excessive risk-taking. This paper examines the relation between deposit insurance and bank risk and systemic fragility in the years leading to and during the recent financial crisis. It finds that generous...

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Author

Anginer,Deniz;

Demirguc-Kunt,Asli;

Zhu, Min;
Document Date
2012/12/01
Document Type
Policy Research Working Paper
Report Number
WPS6289
Volume No
1
Total Volume(s)
1
Country
World,
Region
Other,
Disclosure Date
2012/12/01
Disclosure Status
Disclosed
Doc Name
How does deposit insurance affect bank risk ? evidence from the recent crisis
Keywords
deposit insurance

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Anginer,Deniz; Demirguc-Kunt,Asli; Zhu, Min.

How does deposit insurance affect bank risk ? evidence from the recent crisis (English). Policy Research working paper ; no. WPS 6289 Washington, DC: World Bank. http://documents.worldbank.org/curated/en/875521468177845210

How does deposit insurance affect bank risk ? evidence from the recent crisis (English)

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