scholarly journals Deposit insurance and banking stability

2021 ◽  
Vol 3 (2) ◽  
pp. 215-220
Author(s):  
Cyrine Snen
Keyword(s):  
Deposit Insurance ◽  
Banking Stability

Akibat Hukum Pada Pemisahan Simpanan Dari Nasabah Bank Saat Likuidasi Untuk Memperoleh Jaminan Dari Lembaga Penjamin Simpanan

2021 ◽  
Vol 7 (2) ◽  
pp. 128-145
Author(s):  
Reka Dewantara ◽  
Mahandhani Wahyu Ibrahim
Keyword(s):  
Deposit Insurance ◽  
Banking Sector ◽  
Legal Research ◽  
Analysis Technique ◽  
Banking Stability ◽  
The Government ◽  
The Right ◽  
Economic Crimes ◽  
Interpretation Method ◽  
Legal Consequences

Abstrak. Penelitian dalam artikel ini menjelaskan tentang adanya celah hukum yang terkait dengan kontrak penjaminan simpanan LPS terhadap syarat dan ketentuan penjaminan simpanan nasabah. Praktiknya perilaku pemecahan dana simpanan belum ada aturan lebih lanjut, sehingga muncul pertanyaan apa akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS. Artikel ini adalah penelitian hukum dengan memakai pendekatan perundang – undangan dan pendekatan kasus. Teknik analisis memakai metode interpretasi gramatikal dan sistematis. hasil penelitian ini, penulis berpendapat pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminanan dari LPS adalah tindakan nasabah yang diuntungkan secara tidak wajar, sesuai pasal 19 ayat (1) huruf b Undang Undang tentang LPS dan terdapat unsur pidana penipuan, tindak pidana di bidang perbankan, dan tindak pidana ekonomi. Akibat hukum pemecahan dana simpanan oleh nasabah BDL untuk dapat penjaminan dari LPS, yaitu hak nasabah (nasabah yang tidak melakukan tindak pemecahan dana simpanan untuk mendapatkan penjaminan dari LPS ) untuk mendapat penjaminan simpanan secara adil, hak LPS untuk tidak melakukan (omission) membayarkan penjaminan simpanan nasabah yang melakukan pemecahan dana simpanan, dan hak pemerintah untuk melakukan (commission) menjaga stabilitas perbankan dari tindakan pemecahan dana simpanan oleh nasabah dengan tujuan dijaminkan simpanannya. Abstract. The research in this article describes the existence of legal loopholes related to the LPS deposit guarantee contract against the terms and conditions of customer deposit insurance. In practice, there is no further regulation on the behavior of splitting deposit funds, so the question arises what are the legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS. This article is a legal research using a statutory approach and a case approach. The analysis technique uses a grammatical and systematic interpretation method. the results of this study, the authors argue that the breakdown of deposit funds by BDL customers to obtain guarantees from LPS is an act of customers who benefit unreasonably, according to article 19 paragraph (1) letter b of the Law on IDIC and there is an element of criminal fraud, criminal acts in the banking sector , and economic crimes. The legal consequences of splitting deposit funds by BDL customers to obtain guarantees from LPS, namely the right of customers (customers who do not perform the act of splitting their deposit funds to obtain guarantees from LPS) to obtain a fair deposit guarantee, the right of LPS not to (omission) to pay deposit guarantees customers who split their deposit funds, and the right of the government to undertake (commission) to maintain banking stability from the act of splitting their deposit funds by customers with the aim of securing their deposits.

scholarly journals Deposit Insurance Around the Globe: Where Does It Work?

2002 ◽  
Vol 16 (2) ◽  
pp. 175-195 ◽  
Author(s):  
Aslı Demirgüç ◽  
Edward J Kane
Keyword(s):  
Financial Development ◽  
Deposit Insurance ◽  
Institutional Development ◽  
Market Discipline ◽  
Crisis Resolution ◽  
Private Market ◽  
Banking Stability ◽  
Country Differences ◽  
Low Levels ◽  
Cross Country

Explicit deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. This paper documents the extent of cross-country differences in deposit insurance design and reviews empirical evidence on how particular design features affect private market discipline, banking stability, financial development and the effectiveness of crisis resolution. This evidence challenges the wisdom of encouraging countries to adopt explicit deposit insurance without first stopping to assess and remedy weaknesses in their informational and supervisory environments.

scholarly journals DEPOSIT INSURANCE COVERAGE LIMIT: HOW MUCH IS ENOUGH? EVIDENCE FROM INDIA

2020 ◽  
Vol 4 (4) ◽  
pp. 66-83
Author(s):  
Varda Sardana ◽  
Abha Shukla
Keyword(s):  
Deposit Insurance ◽  
Time Series Data ◽  
Insurance Coverage ◽  
Fold Increase ◽  
Series Data ◽  
Time Increase ◽  
Sample Period ◽  
Safety Nets ◽  
Coverage Ratio ◽  
Banking Stability

Deposit insurance is one of the safety nets employed by nations to ensure banking stability and depositor protection. Determining the appropriate coverage limit for depositors under a system of explicit deposit insurance is one of the most important policy decisions. This study examines the adequacy of deposit insurance coverage limit, through a case of India, to determine the appropriate level of coverage. The study also investigates the suitability of the recent five-fold increase in the coverage limit of India. Time series data from 1993-94 to 2017-18 has been employed for the regression analysis. India’s data has been compared with several countries with similar deposit insurance characteristics, using a t-test of sample means, over the period 2003 to 2017. The results show that the real coverage limit as well as the coverage ratio in India has been declining over the sample period. Moreover, India’s position has tumbled vis-à-vis its peers in terms of coverage ratio. The findings suggest that the increase in India’s coverage limit, after almost 27 years, is a much-needed move. The increase is enough to bring back India’s coverage limit to comparable levels; however, this one-time increase is not sufficient in isolation of other policy variables.

Deposit insurance and banking stability

Banking Law ◽  
2021 ◽  
pp. 296-309
Author(s):  
Andreas Kokkinis ◽  
Andrea Miglionico
Keyword(s):  
Deposit Insurance ◽  
Banking Stability

scholarly journals Do Deposit Insurance Systems Promote Banking Stability?

2021 ◽  
Vol 9 (3) ◽  
pp. 52
Author(s):  
Nafis Alam ◽  
Ganesh Sivarajah ◽  
Muhammad Ishaq Bhatti
Keyword(s):  
Financial Stability ◽  
Deposit Insurance ◽  
Global Financial Crisis ◽  
Institutional Environment ◽  
Insurance Coverage ◽  
Banking System ◽  
Insurance System ◽  
Deposit Insurance System ◽  
Banking Stability ◽  
The Impact

During the global financial crisis (GFC), regulators and policymakers turned to deposit insurers, along with monetary and fiscal measures, to help restore market confidence and promote financial stability. These events have focused attention on the role of deposit insurers and their role in the banking system. Recent literature reveals that during the GFC, deposit insurance maintained banking stability and successfully prevented customers doing ‘runs’ on the banks. The objective of this paper is to examine the deposit insurance system’s coverage limits and the impact on banking stability, in the context of a jurisdiction’s economic and institutional environment. Our model examines 61 jurisdictions in Asia and Europe with explicit deposit insurance systems, covering the pre- and post-GFC period between 2004 and 2014. We also examine subsets to investigate the effects of the region by comparing Asia and Europe, as well as a subset using the date of establishment of the deposit insurance system to understand if maturity matters. The results indicate that deposit insurance systems, and specifically deposit insurance coverage levels, have both positive and negative effects on banking stability. We find significant associations with certain economic and institutional factors; however, there are differences between the models we ran. These can be ascribed to regional factors and the date of when a deposit insurance system was established.

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