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This paper demonstrates a well-designed deposit guarantee system can strengthen incentives for owners, managers, depositors and other creditors, borrowers, regulators and supervisors, and politicians. Borrowers should be aware that they will have to repay their loans if their bank fails and will be encouraged to keep their loans current where offsetting is limited to past-due loans. The performance of insurers, regulators, and supervisors as agents will improve where they know that they can take justifiable actions without political interference and will be held accountable for their actions to their principals. Despite the improvements, and possibly partly because there are issues in deposit insurance design that remain to be resolved, financial crises have been prevalent during the 1990s. This situation has forced a number of countries to offer a blanket guarantee to restore confidence and to allow the continued functioning of the financial system while the authorities take time to design a plan for the resolution of the crisis.
Money. Monetary policy --- Deposit insurance --- banken --- financiën --- investeringen --- wereld --- 336.71 --- 368 --- 330.32 --- AA* / International - Internationaal --- 368.611 --- 333.432.8 --- 330.05 --- 368.85400973 --- Bank deposit insurance --- Banks and banking --- Insurance, Deposit --- Savings insurance --- Insurance --- Bankwezen --- Verzekeringswezen --- Investeringen. Investeringstheorie. Investeringskredieten. Investeringsprojecten. Investeringsquote --- Bankdepositoverzekering. Kredietverzekering. Waarborg op bankdeposito's. Delcredere. --- Internationale monetaire organisatie. Internationaal Muntfonds. Algemene leningovereenkomsten. --- Government guaranty of deposits --- Working papers --- Deposit insurance. --- Borgsom --- Depositobeschermingsregeling --- Borgsom. --- Depositobeschermingsregeling. --- 330.32 Investeringen. Investeringstheorie. Investeringskredieten. Investeringsprojecten. Investeringsquote --- 368 Verzekeringswezen --- 336.71 Bankwezen --- Internationale monetaire organisatie. Internationaal Muntfonds. Algemene leningovereenkomsten --- Bankdepositoverzekering. Kredietverzekering. Waarborg op bankdeposito's. Delcredere --- Banks and Banking --- Finance: General --- Financial Risk Management --- Macroeconomics --- Financial Institutions and Services: Government Policy and Regulation --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- General Financial Markets: Government Policy and Regulation --- Financial Crises --- Insurance Companies --- Actuarial Studies --- Economic & financial crises & disasters --- Banking --- Finance --- Insurance & actuarial studies --- Bank deposits --- Commercial banks --- Lender of last resort --- Financial crises --- Financial institutions --- Financial services --- Systemic crises --- Crisis management --- Financial risk management --- Banks and banking, Central --- United States
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Federal Reserve banks --- Lenders of last resort --- 333.110 --- 333.111.0 --- 333.111.30 --- 333.111.32 --- 333.111.7 --- 333.130.2 --- 333.139.1 --- 333.139.2 --- 333.17 --- US / United States of America - USA - Verenigde Staten - Etats Unis --- Last resort, Lenders of --- Banks and banking, Central --- Financial institutions --- Banks of issue --- Centrale banken en parastatale kredietinstellingen: algemeen. Overheidsbemoeiïng inzake organisatie en verdeling van het krediet --- Algemeenheden. Theoretische en beschrijvende studies. Centrale banken --- Verrichtingen: algemeen --- beleningen en voorschotten --- Betrekkingen van de centrale banken met de kredietinstellingen --- Bankliquiditeit. Verplichte reserves. Solvabiliteit --- Instellingen voor kredietcontrole. Commissie voor het Bank-en financiewezen. CBFA --- Bankcontrole en -reglementering. Reglementering van het bankberoep --- Crises, saneringen en hervormingen van het bankwezen --- United States. --- FRS --- Federal Reserve Board at Washington --- Federal Reserve Board (U.S.) --- Board of Governors of the Federal Reserve System (U.S.) --- Federal Reserve banks.
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Private finance --- Financial law --- United States --- Finance --- Banks and banking --- Monetary policy --- Banking law --- Finances --- Banques --- Politique monétaire --- Law and legislation --- Droit --- US / United States of America - USA - Verenigde Staten - Etats Unis --- 333.110 --- 333.480 --- 333.481 --- Centrale banken en parastatale kredietinstellingen: algemeen. Overheidsbemoeiïng inzake organisatie en verdeling van het krediet. --- Geldstelsel. --- Monetaire crisissen, hervormingen, saneringen en stabilisering. --- Politique monétaire --- Funding --- Funds --- Economics --- Currency question --- Centrale banken en parastatale kredietinstellingen: algemeen. Overheidsbemoeiïng inzake organisatie en verdeling van het krediet --- Geldstelsel --- Monetaire crisissen, hervormingen, saneringen en stabilisering --- United States of America
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Banking sector problems have plagued over 130 of the IMF's member countries since 1980. Developing and industrial market economies alike have been affected, as have all the economies in transition. This volume, by Carl-Johan Lindgren, Gillian Garcia, and Matthew I. Saal, discusses the linkages between macroeconomic policy and bank soundness. It takes a global view of the causes and consequences of banking sector problems and discussses how the banking system can be strengthened, nationally and internationally.
Private finance --- Economic policy and planning (general) --- Banks and banking. --- Banques --- 336.71 --- 338.22 --- 330.362 --- 336.748.8 IMF --- Banks and banking --- #ECO:02.02:financiële sector bank --- #ECO:01.01:economie algemeen --- AA / International- internationaal --- 333.100 --- 333.139.2 --- 333.130.2 --- 333.432.8 --- Financial institutions --- Economic policy --- Macroeconomics --- 332.1 --- Financial intermediaries --- Lending institutions --- Associations, institutions, etc. --- Agricultural banks --- Banking --- Banking industry --- Commercial banks --- Depository institutions --- Finance --- Money --- Economics --- Economic nationalism --- Economic planning --- National planning --- State planning --- Planning --- National security --- Social policy --- Bankwezen --- Economische organisatieleer. Economisch beleid. Economische politiek --- macro economie - macro economisch evenwicht --- bankwezen - banken --- Internationaal Monetair Fonds - IMF --- Algemeenheden. Theorie en principes van de bankorganisatie en -techniek. --- Bankcontrole en -reglementering. Reglementering van het bankberoep. --- Bankliquiditeit. Verplichte reserves. Solvabiliteit. --- Internationale monetaire organisatie. Internationaal Muntfonds. Algemene leningovereenkomsten. --- 338.22 Economische organisatieleer. Economisch beleid. Economische politiek --- 336.71 Bankwezen --- Algemeenheden. Theorie en principes van de bankorganisatie en -techniek --- Bankliquiditeit. Verplichte reserves. Solvabiliteit --- Bankcontrole en -reglementering. Reglementering van het bankberoep --- Internationale monetaire organisatie. Internationaal Muntfonds. Algemene leningovereenkomsten --- Banks and Banking --- Finance: General --- Financial Risk Management --- Money and Monetary Policy --- Industries: Financial Services --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Financial Institutions and Services: Government Policy and Regulation --- Monetary Policy, Central Banking, and the Supply of Money and Credit: General --- General Financial Markets: Government Policy and Regulation --- Foreign Exchange --- Financial Institutions and Services: General --- Bankruptcy --- Liquidation --- Financial services law & regulation --- Monetary economics --- Economic & financial crises & disasters --- Deposit insurance --- Capital adequacy requirements --- Nonperforming loans --- Credit --- Loans --- Bank soundness --- Financial sector policy and analysis --- State-owned banks --- Crisis management --- Asset requirements --- State supervision --- Financial services industry --- United States
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