ROLE OF DEPOSIT INSURANCE IN ORDER TO OVERCOME THE BANKING CRISIS

Authors

  • Драгана Башић, PhD Assistant Professor, Faculty of Economics, University of Banja Luka

Keywords:

The banking crisis, moral hazard, deposit insurance, trust, financial stability

Abstract

Any economic and banking crisis in the world has generated a deep and long-term disorders system or nonsystem characters at the core of a certain economic and banking system. Generally looking, the periods of crisis are devastating in the short term for the general economic growth, financial stability and employment, but in the long run its effects are certainly positive and contribute to restoring the economic system on the basis of healthy and stable growth and development. The need for deposit insurance and reported as a consequence of the banking crisis in ancient XIX century and is a clear roots "concerns of the state" for small deponents and strengthen the awareness that these "small" are basically "steel pillar" of a financial system. This work is deeply meaningful and substantial critical review of the genesis and development of models of deposit insurance in the world with us, the positive effects of their action, and weaknesses and possible access to their restructuring in the direction of fulfilling the objectives and why they exist, and that the protection of the interests depositors, preserve confidence in the banking system and ensuring the financial stability of a country.

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References

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Интернет – извори

http://www.fdic.gov/about/index.html

http://www.efdi.net/aboutUs.asp

http://www.garantiedesdepots.fr/spip/spip.php?article48&id_rubrique=16

http://www.voeb.de/de/english/

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http://www.nn.hr/clanci/sluzbeno/2004/3398.htm

http://www.aod.ba/news.html

http://www.vesti.rs/Ekonomija/Uskoro-kreditna-linija-za-osiguranjedepozita.html

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http://cromalternativemoney.org/index.php/it/media/notizie/tags/53

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Published

2010-06-30

How to Cite

Башић, Д. (2010). ROLE OF DEPOSIT INSURANCE IN ORDER TO OVERCOME THE BANKING CRISIS. Acta Economica, 8(12), 293–323. Retrieved from https://ae.ef.unibl.org/index.php/AE/article/view/200

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Section

Review article