Journal of Economic Perspectives: Vol. 16 No. 2 (Spring 2002)


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Deposit Insurance Around the Globe: Where Does It Work?

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Asli Demirgüç-Kunt, Asli, and Edward J. Kane. 2002. "Deposit Insurance Around the Globe: Where Does It Work?" Journal of Economic Perspectives, 16(2): 175-195.

DOI: 10.1257/0895330027319


Explicit deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. This paper documents the extent of cross-country differences in deposit insurance design and reviews empirical evidence on how particular design features affect private market discipline, banking stability, financial development and the effectiveness of crisis resolution. This evidence challenges the wisdom of encouraging countries to adopt explicit deposit insurance without first stopping to assess and remedy weaknesses in their informational and supervisory environments.

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Asli Demirgüç-Kunt, Asli (Development Research Group, World Bank, Washington, D.C., USA)
Kane, Edward J. (Carroll School of Management, Boston College, Chestnut Hill, Massachusetts, USA)


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