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2017 | OriginalPaper | Buchkapitel

4. Financial Capabilities of Deposit Guarantee Schemes

verfasst von : Jakub Kerlin

Erschienen in: The Role of Deposit Guarantee Schemes as a Financial Safety Net in the European Union

Verlag: Springer International Publishing

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Abstract

This chapter presents the effectiveness of potential deposit guarantee scheme interventions in their most common forms, namely, standard paybox deposit payout procedures for insolvent banks. Initially, two key deposit insurance agency effectiveness components, psychological and financial, were described. Special attention was given to the scope of potentially effective interventions of deposit insurers, which largely rely on financial means of the given institution. The chapter presents the causes of low deposit guarantee schemes’ effectiveness. Analysis of the traditional paybox deposit guarantee model proves it inefficient. Also, it is shown that proposed reforms may be insufficient to provide depositor protection and financial stability in the EU.

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Titel: Financial Capabilities of Deposit Guarantee Schemes
verfasst von: Jakub Kerlin
Verlag: Springer International Publishing
Buch: The Role of Deposit Guarantee Schemes as a Financial Safety Net in the European Union
Print ISBN: 978-3-319-54162-4

Electronic ISBN: 978-3-319-54163-1

Copyright-Jahr: 2017
DOI: https://doi.org/10.1007/978-3-319-54163-1_4