Construction of a risk-based European Deposit Insurance Scheme

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Title: Construction of a risk-based European Deposit Insurance Scheme
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 92
Series number: 1/2018
Year of publication: 2018
Publication date: 27.4.2018
Pages: 44-46
Subject (yso): talletussuoja; pankit; talletukset
Keywords: pankkiunioni; Eurooppa; talletussuojajärjestelmä
Other keywords: banking union; deposit insurance scheme
Abstract: The completion of Banking Union is an important objective from the perspective of financial stability. Reaching an agreement on a common deposit insurance scheme is a key component in achieving that objective. The purpose of a deposit insurance scheme is to strengthen confidence in uninterrupted access to bank deposits. The size of the Deposit Insurance Fund must be sufficient to credibly withstand possible problem situations. Banks’ deposit insurance contributions should be calibrated based on risks. This would reign in individual banks’ incentives to benefit from a common deposit insurance scheme to which all banks have contributed. Studies show that a common deposit insurance scheme would be quite resilient.
Link: http://www.bofbulletin.fi/
Rights: https://helda.helsinki.fi/bof/copyright


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