Deposit insurance is widely offered in a number of countries as part of a financial system safety net to promote stability. An unintended consequence of deposit insurance is the reduction in the incentive of depositors to monitor banks, which leads to excessive risk-taking. This paper examines the relation between deposit insurance and bank risk and systemic fragility in the years leading to and during the recent financial crisis. It finds that generous...
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INFORMATION
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2012/12/01
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Document de travail de recherche sur les politiques
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WPS6289
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1
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1
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2012/12/01
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Disclosed
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How does deposit insurance affect bank risk ? evidence from the recent crisis
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deposit insurance
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