کد مقاله | کد نشریه | سال انتشار | مقاله انگلیسی | نسخه تمام متن |
---|---|---|---|---|
5097894 | 1478621 | 2007 | 9 صفحه PDF | دانلود رایگان |
عنوان انگلیسی مقاله ISI
Deposit Insurance: The Wrong Policy for Minimizing the Costs of Bank Failures
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موضوعات مرتبط
علوم انسانی و اجتماعی
اقتصاد، اقتصادسنجی و امور مالی
اقتصاد و اقتصادسنجی
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چکیده انگلیسی
Deposit insurance is widely adopted to minimize the costs of bank failures. But recent evidence suggests that as applied in most countries, deposit insurance in the longer-run often increases both the cost and probability of bank failures. This paper argues that rather than shift the losses from insured depositors to the insurance provider, a more efficient policy solution would focus on minimizing, if not eliminating, the losses. Such a four-pillar is described and its implementation recommended.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: The Journal of Economic Asymmetries - Volume 4, Issue 2, December 2007, Pages 55-63
Journal: The Journal of Economic Asymmetries - Volume 4, Issue 2, December 2007, Pages 55-63
نویسندگان
George G. Kaufman,