{
  "title": "Does Deposit Insurance Increase Banking System Stability?",
  "publication": "IMF Working Papers, January 1, 2000",
  "sourceUrl": "https://www.imf.org/en/publications/wp/issues/2016/12/30/does-deposit-insurance-increase-banking-system-stability-3382",
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  "summary": "This study analyzes panel data for 61 countries during 1980–97 and concludes that explicit deposit insurance tends to be detrimental to bank stability, the more so where bank interest rates are deregulated and the institutional environment is weak.",
  "sections": [
    {
      "heading": "Major finding",
      "content": "- Analysis of panel data for 61 countries during 1980–97 concludes that explicit deposit insurance tends to be detrimental to bank stability."
    },
    {
      "heading": "Heterogeneity of effects",
      "content": "- The adverse impact of deposit insurance on bank stability is stronger:\n  - where bank interest rates are deregulated;\n  - where the institutional environment is weak;\n  - when the coverage offered to depositors is extensive;\n  - when the scheme is funded;\n  - when it is run by the government rather than by the private sector."
    },
    {
      "heading": "Data and scope",
      "content": "- Sample: panel data for 61 countries.\n- Period covered: 1980–97."
    },
    {
      "heading": "Research context and framing",
      "content": "- Publication type: IMF Working Papers.\n- Subject and keywords include: Bank deposits, Bank soundness, Banking, Banking crises, Deposit insurance, Financial crises, Financial sector policy and analysis, Financial services, Moral hazard; Africa; deposit insurance design; insurance scheme; insurance system; design feature; design variable; insurance dummy; insurance design; insurance variable; WP; E44; G21; G28; Global."
    },
    {
      "heading": "Publication identifiers (as presented on the source page)",
      "content": "- Pages: 29\n- Volume: 2000\n- Issue: 003\n- Series: Working Paper No. 2000/003\n- DOI: https://doi.org/10.5089/9781451841893.001\n- Stock No: WPIEA0032000\n- ISBN: 9781451841893\n- ISSN: 1018-5941\n\nDoes Deposit Insurance Increase Banking System Stability? — By Asli Demirgüç-Kunt and Enrica Detragiache, January 1, 2000 (IMF Working Papers).\n\n---\n\n Content in this bundle\n\n- Does deposit Insurance Increase Banking System Stability? - WP/00/3\n  - Does deposit Insurance Increase Banking System Stability? - WP/00/3 (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - Does deposit Insurance Increase Banking System Stability? - WP/00/3 (PDF){rel=\"external\" type=\"application/pdf\"}\n\n---\n\nSource: https://www.imf.org/en/publications/wp/issues/2016/12/30/does-deposit-insurance-increase-banking-system-stability-3382"
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    "Authors: Asli Demirgüç-Kunt, Enrica Detragiache",
    "Published: January 1, 2000",
    "Series: IMF Working Papers",
    "DOI: https://doi.org/10.5089/9781451841893.001",
    "Analysis of panel data for 61 countries during 1980–97 concludes that explicit deposit insurance tends to be detrimental to bank stability.",
    "The adverse impact of deposit insurance on bank stability is stronger:",
    "Sample: panel data for 61 countries.",
    "Period covered: 1980–97.",
    "Publication type: IMF Working Papers.",
    "Subject and keywords include: Bank deposits, Bank soundness, Banking, Banking crises, Deposit insurance, Financial crises, Financial sector policy and analysis, Financial services, Moral hazard; Africa; deposit insurance design; insurance scheme; insurance system; design feature; design variable; insurance dummy; insurance design; insurance variable; WP; E44; G21; G28; Global.",
    "Pages: 29",
    "Volume: 2000",
    "Issue: 003",
    "Series: Working Paper No. 2000/003",
    "DOI: https://doi.org/10.5089/9781451841893.001",
    "Stock No: WPIEA0032000",
    "ISBN: 9781451841893",
    "ISSN: 1018-5941",
    "**Does deposit Insurance Increase Banking System Stability? - WP/00/3**"
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