By Aslı Demirgüç-Kunt, Edward J. Kane, Luc Laeven

Drawing on an unique cross-country dataset on deposit assurance structures, an evaluation of the influence of deposit coverage on banking results and the coverage implications for constructing nations.

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Additional resources for Deposit Insurance around the World: Issues of Design and Implementation

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Hovakimian, Armen, Edward J. Kane, and Luc Laeven. 2003. How Country and SafetyNet Characteristics Affect Bank Risk-Shifting. Journal of Financial Services Research 23 (3): 177–204. Kane, Edward J. 1995. Three Paradigms for the Role of Capitalization Requirements in Insured Financial Institutions. Journal of Banking and Finance 19: 431–459. Kane, Edward J. 2000. Designing Financial Safety Nets to Fit Country Circumstances. Policy Research Working Paper no. C. , and Berry K. Wilson. 1998. A Contracting-Theory Interpretation of the Origins of Federal Deposit Insurance.

To study this sample robustly, the authors use three complementary regression strategies: limited dependent-variable regression, hazard analysis, and Heckman selection models. They estimate adoption and design decisions simultaneously and control for the influence of economic and political characteristics, disruptive events (such as macroeconomic shocks), occurrence and severity of crises, and the nature of the contracting environment. They find that outside pressure to emulate developed-country regulatory frameworks and political arrangements that facilitate intersectoral deal making dispose a country toward adopting a DI scheme.

Demirgu¨c¸-Kunt, Aslı, and Tolga Sobaci, 2001. Deposit Insurance around the World: A Database. World Bank Economic Review 15: 481–490. Diamond, Douglas, and Philip Dybvig. 1983. Bank Runs, Deposit Insurance and Liquidity. Journal of Political Economy 91: 401–419. Folkerts-Landau, David, and Carl-Johan Lindgren. 1998. Toward a Framework for Financial Stability. C. Garcia, Gillian. 1999. Deposit Insurance: A Survey of Actual and Best Practices. IMF Working Paper no. C. Honohan, Patrick, and Daniela Klingebiel.

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