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The spread of deposit insurance and the global rise in bank asset risk since the 1970s

Author: Charles W Calomiris; Sophia Chen; National Bureau of Economic Research,
Publisher: Cambridge, Mass. : National Bureau of Economic Research, 2018.
Series: Working paper series (National Bureau of Economic Research), no. 24936.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
We construct a new measure of the changing generosity of deposit insurance for many countries, empirically model the international influences on the adoption and generosity of deposit insurance, and show that the expansion of deposit insurance generosity increased asset risk in banking systems. We consider three asset risk measures: higher loans-to-assets, a higher proportion of lending to households, and a higher  Read more...
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Details

Genre/Form: History
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Charles W Calomiris; Sophia Chen; National Bureau of Economic Research,
OCLC Number: 1050870585
Notes: "August 2018"
Description: 1 online resource (61 pages) : illustrations.
Series Title: Working paper series (National Bureau of Economic Research), no. 24936.
Responsibility: Charles W. Calomiris, Sophia Chen.

Abstract:

We construct a new measure of the changing generosity of deposit insurance for many countries, empirically model the international influences on the adoption and generosity of deposit insurance, and show that the expansion of deposit insurance generosity increased asset risk in banking systems. We consider three asset risk measures: higher loans-to-assets, a higher proportion of lending to households, and a higher proportion of mortgage lending. None of the observed increases in these indicators is offset by declines in banking system leverage. We show that increased asset risk explains at least part of the positive association between deposit insurance and the likelihood and severity of systemic banking crises.

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