Deposit Insurance

Robert A. Eisenbeis and George G. Kaufman

in The Oxford Handbook of Banking

Published in print January 2012 | ISBN: 9780199640935
Published online September 2012 | | DOI:

Series: Oxford Handbooks in Finance

Deposit Insurance


This article briefly discusses the objectives of deposit insurance and states how it should function in non-crisis situations. It also analyzes evidence on how well various deposit insurance systems have functioned, and notes critical conceptual weaknesses in the design of typical systems that have been recently put in place. Finally, the article proposes key features that any well-functioning and efficient guarantee system should have if it is to be an effective part of a country's broader financial safety net system in non-crisis periods.

Keywords: deposit insurance systems; guarantee system; financial safety net; financial crisis; non-crisis situations

Article.  7795 words. 

Subjects: Economics ; Financial Markets ; Public Economics

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