Deposit Insurance Database

By Asli Demirgüç-Kunt, Edward J. Kane, Luc Laeven. 2014

189 citations recorded by the source corpus.

This paper provides a comprehensive, global database of deposit insurance arrangements as of 2013. The authors extend their earlier dataset by including recent adopters of deposit insurance and information on the use of government guarantees on banks' assets and liabilities, including during the recent global financial crisis. They also create a Safety Net Index capturing the generosity of the deposit insurance scheme and government guarantees on banks' balance sheets. The data show that deposit insurance has become more widespread and more extensive in coverage since the global financial crisis, which also triggered a temporary increase in the government protection of non-deposit liabilities and bank assets. In most cases, these guarantees have since been formally removed but coverage of deposit insurance remains above pre-crisis levels, raising concerns about implicit coverage and moral hazard going forward.

Subfields: Finance

View Paper: https://www.semanticscholar.org/paper/d4d0aa8b807c5ea9c6222a6413154710746170f4

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Citations in the corpus

Political Institutions and Bank Risk-Taking Behavior (2015, unknown): “…(number of countries with explicit deposit insurance has increase from 84 countries in 2003 to 112 countries in 2013 in the World as mentioned in Demirgüç-Kunt et al. (2014)), so we classify years before the start of explicit deposit insurance in ‘no explicit deposit insurance’ group and years…”
Economic uncertainty and bank risk: Evidence from emerging economies (2020, unknown): “28 We extend the data of Demirgüç-Kunt et al. (2013) by including the economies that introduced their deposit insurance system after 2013, for example, China.”
Bank Capital Redux: Solvency, Liquidity, and Crisis (2017, unknown): “As of today, central banks and deposit insurance have been introduced in nearly all countries in the world (Demirgüc-Kunt et al. (2014)).”
Trust in banks (2017, methodology): “Relying on the information of Demirgüç-Kunt, Kane, and Laeven (2013), we consider whether the presence of an explicit deposit in urance scheme influences trust in banks.”