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Author : Beck
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (14 download)
Download or read book The Incentive-Compatible Design of Deposit Insurance and Bank Failure Resolution written by Beck and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thorsten Beck
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (318 download)
Download or read book The Incentive Compatible Design of Deposit Insurance and Bank Failure Resolution written by Thorsten Beck and published by . This book was released on 2003 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : George G. Kaufman
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)
Download or read book Designing an Efficient and Incentive Compatible Government-Provided Deposit Insurance Program for Developing and Transitional Economies written by George G. Kaufman and published by . This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper reviews the causes of recent banking crises, particularly in the United States. The paper argues that to the extent banks are perceived to be "special," it is primarily because of poorly designed special public policies, particularly safety nets, rather than their inherent characteristics. These flaws have contributed to the costly recent banking crises in most countries of the world. As a result, preventing future crises centers on correcting the flaws in these policies. The U.S. reformed its government-provided deposit insurance structure in the Federal Deposit Insurance and Corporation Improvement Act (FDICIA) of 1991 to reduce the moral hazard problem of banks and the agency problem of regulators. The reform focuses on imposing regulatory discipline that mimics the discipline the market imposes on firms not subject to a safety net and on resolving a troubled bank before its economic capital is negative. If successful, this would impose losses only on shareholders and make deposit insurance effectively redundant. Aspects of this new structure appear to be appropriate for other countries.
Author : G. G. Garcia
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 86 pages
Book Rating : 4.:/5 (318 download)
Download or read book Deposit Insurance and Crisis Management written by G. G. Garcia and published by International Monetary Fund. This book was released on 2000-03 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: A well-designed deposit insurance system (DIS) will provide incentives for citizens to keep the financial system sound. However, a poorly designed DIS can foster a financial crisis. This paper, therefore, makes recommendations for creating and running a limited, incentive-compatible, DIS. The paper also examines factors in the decision to grant, temporarily, a comprehensive guarantee, and the design of that guarantee, should a systemic financial crisis nevertheless occur. It concludes with guidance on the removal of that guarantee.
Author : Gillian Garcia
Publisher :
ISBN 13 :
Total Pages : 81 pages
Book Rating : 4.:/5 (129 download)
Download or read book Deposit Insurance and Crisis Management written by Gillian Garcia and published by . This book was released on 2006 with total page 81 pages. Available in PDF, EPUB and Kindle. Book excerpt: A well-designed deposit insurance system (DIS) will provide incentives for citizens to keep the financial system sound. However, a poorly designed DIS can foster a financial crisis. This paper, therefore, makes recommendations for creating and running a limited, incentive-compatible, DIS. The paper also examines factors in the decision to grant, temporarily, a comprehensive guarantee, and the design of that guarantee, should a systemic financial crisis nevertheless occur. It concludes with guidance on the removal of that guarantee.
Author : Thorsten Beck
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 34 pages
Book Rating : 4./5 ( download)
Download or read book Resolution of Failed Banks by Deposit Insurers written by Thorsten Beck and published by World Bank Publications. This book was released on 2006 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: "There is a wide cross-country variation in the institutional structure of bank failure resolution, including the role of the deposit insurer. The authors use quantitative analysis for 57 countries and discuss specific country cases to illustrate this variation. Using data for over 1,700 banks across 57 countries, they show that banks in countries where the deposit insurer has the responsibility of intervening failed banks and the power to revoke membership in the deposit insurance scheme are more stable and less likely to become insolvent. Involvement of the deposit insurer in bank failure resolution thus dampens the negative effect that deposit insurance has on banks' risk taking. "--World Bank web site.
Author : José Vinãls
Publisher : International Monetary Fund
ISBN 13 : 1484340949
Total Pages : 27 pages
Book Rating : 4.4/5 (843 download)
Download or read book Creating a Safer Financial System written by José Vinãls and published by International Monetary Fund. This book was released on 2013-05-14 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S., the U.K., and more recently, the E.U., have proposed policy measures directly targeting complexity and business structures of banks. Unlike other, price-based reforms (e.g., Basel 3 and G-SIFI surcharges), these proposals have been developed unilaterally with material differences in scope, design and implementation schedules. This may exacerbate cross-border regulatory arbitrage and put a further burden on consolidated supervision and cross-border resolution. This paper provides an analysis of the potential implications of implementing different structural policy measures. It proposes a pragmatic and coordinated approach to development of these policies to reduce risk of regulatory arbitrage and minimize unintended consequences. In doing so, it also aims to identify a set of common policy measures that countries could adopt to re-scope bank business models and corporate structures.
Author : D. Mayes
Publisher : Springer
ISBN 13 : 0230523919
Total Pages : 399 pages
Book Rating : 4.2/5 (35 download)
Download or read book Who Pays for Bank Insolvency? written by D. Mayes and published by Springer. This book was released on 2016-04-30 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to avoid taxpayers paying for bank failures and banking crises? This book provides a proposal and a critique by twelve independent experts. It is addressed particularly to the threat posed in Europe by having large international banks, a history of bailouts and limited means of resolving any future banking crises. It shows how political imperatives and legal constraints currently result in economic losses in many countries round the world.
Author :
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 41 pages
Book Rating : 4./5 ( download)
Download or read book Practical Guildelines for Effective Bank Resolution written by and published by World Bank Publications. This book was released on with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Ms.G. G. Garcia
Publisher : International Monetary Fund
ISBN 13 : 1451850492
Total Pages : 64 pages
Book Rating : 4.4/5 (518 download)
Download or read book Deposit Insurance written by Ms.G. G. Garcia and published by International Monetary Fund. This book was released on 1996-08-01 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper contrasts deposit protection with other forms of insurance, examines why goods and services of all kinds receive warranties and guarantees, and explores the particular characteristics of deposits and banks that merit deposit insurance. It examines a variety of reasons why countries choose to adopt systems of deposit insurance, the pitfalls that can arise from poorly designed schemes, and the features of a scheme that successfully avoids these pitfalls.
Author : Ms.Marina Moretti
Publisher : International Monetary Fund
ISBN 13 : 1513512277
Total Pages : 88 pages
Book Rating : 4.5/5 (135 download)
Download or read book Managing Systemic Banking Crises written by Ms.Marina Moretti and published by International Monetary Fund. This book was released on 2020-02-11 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper updates the IMF’s work on general principles, strategies, and techniques from an operational perspective in preparing for and managing systemic banking crises in light of the experiences and challenges faced during and since the global financial crisis. It summarizes IMF advice concerning these areas from staff of the IMF Monetary and Capital Markets Department (MCM), drawing on Executive Board Papers, IMF staff publications, and country documents (including program documents and technical assistance reports). Unless stated otherwise, the guidance is generally applicable across the IMF membership.
Author : Aslı Demirgüç-Kunt
Publisher : MIT Press
ISBN 13 : 0262042541
Total Pages : 415 pages
Book Rating : 4.2/5 (62 download)
Download or read book Deposit Insurance Around the World written by Aslı Demirgüç-Kunt and published by MIT Press. This book was released on 2008 with total page 415 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explicit deposit insurance (DI) is widely held to be a crucial element of modern financial safety nets. This book draws on an original cross-country dataset on DI systems and design features to examine the impact of DI on banking behavior and assess the policy complications that emerge in developing countries.
Author : Mr. Atilla Arda
Publisher : International Monetary Fund
ISBN 13 : 1616358076
Total Pages : 27 pages
Book Rating : 4.6/5 (163 download)
Download or read book The Role for Deposit Insurance Funds in Dealing with Failing Banks in the European Union written by Mr. Atilla Arda and published by International Monetary Fund. This book was released on 2022-01-07 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper argues that in the European Union (EU) deposit insurance funds are too difficult to use in bank resolution and too easy to use outside resolution. The paper proposes reforms in three areas for the effective management of bank failures of small and medium-sized banks in the European Union: making resolution the norm for dealing with failing banks; establishing a common DIS for the European Union; and increasing funding and backstops for deposit insurance while removing constraints on their use for resolution measures. Without these changes, the European Union will continue to be challenged by banks that are too small for resolution and too large for liquidation.
Author : Mr.Giovanni Dell'Ariccia
Publisher : International Monetary Fund
ISBN 13 : 1484341007
Total Pages : 42 pages
Book Rating : 4.4/5 (843 download)
Download or read book Trade-offs in Bank Resolution written by Mr.Giovanni Dell'Ariccia and published by International Monetary Fund. This book was released on 2018-02-09 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: This SDN revisits the debate on bank resolution regimes, first by presenting a simple model of bank insolvency that transparently describes the trade-off involved between bail-outs, bail-ins, and larger capital buffers. The note then looks for empirical evidence to assess the moral hazard consequences of bail-outs and the systemic spillovers from bail-ins.
Author : Douglas Darrell Evanoff
Publisher : World Scientific
ISBN 13 : 9812707638
Total Pages : 492 pages
Book Rating : 4.8/5 (127 download)
Download or read book International Financial Instability written by Douglas Darrell Evanoff and published by World Scientific. This book was released on 2007 with total page 492 pages. Available in PDF, EPUB and Kindle. Book excerpt: Proceedings of a conference held at the Federal Reserve Bank of Chicago, Oct. 5-6, 2006.
Author : Douglas D Evanoff
Publisher : World Scientific
ISBN 13 : 9814480282
Total Pages : 474 pages
Book Rating : 4.8/5 (144 download)
Download or read book Systemic Financial Crises: Resolving Large Bank Insolvencies written by Douglas D Evanoff and published by World Scientific. This book was released on 2005-06-27 with total page 474 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bank failures, like illness and taxes, are almost a certainty at some time in the future. What is less certain is their cost to and adverse implications for macroeconomies. Past failures have frequently been resolved at very high cost to society. However, the cost could be reduced through having a well-developed, credible and widely publicized plan ready to put into action by policymakers. If no such plan is ready when a large bank approaches insolvency, political pressures are likely to influence the response of regulators.Minimizing immediate, short-run costs are likely to outweigh minimizing further out, longer-run and longer-lasting costs, even if these delayed costs promise to be substantially greater. Stated differently, today will win out over tomorrow and politics will trump economics. How best to prevent such unfavorable outcomes is the major theme of this volume. The articles presented review past insolvency resolutions, draw lessons from these resolutions, discuss impediments to efficient resolutions — including cross-country, cross-regulator, and institutional challenges — and recommend how to move forward.
Author : David Mayes
Publisher : Routledge
ISBN 13 : 1134123809
Total Pages : 464 pages
Book Rating : 4.1/5 (341 download)
Download or read book The Structure of Financial Regulation written by David Mayes and published by Routledge. This book was released on 2007-01-18 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the area of financial regulation in the banking sector. Editors Mayes and Wood bring together such acadmics as Charles Goodhart, Charles Calomiris and Kern Alexander whose expertise shines through this volume to provide a reference tool for researchers, students and bankers themselves which will prove invaluable.
