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- W3121957103 abstract "The implementation of a deposit insurance scheme entails a trade off. On one hand, as shown in theoretical and empirical studies, a deposit insurance scheme reduces the likelihood of a bank run. On the other hand, a deposit insurance scheme induces moral hazard among bankers that may lead to bank failures. We rigorously test the effect of different deposit coverage limit and the implementation of a differential premium treatment on bankers’ behaviors in the deposit and credit market. We do so by designing a laboratory experiment that involves real bankers as participants. We find that the coverage limit treatments do not have any effect on deposit rate offer. Nevertheless, we find that a high deposit coverage limit induces smaller banks to have a higher share of risky projects. This is evidence of moral hazard particularly among small banks. We find significant effect of differential premium treatment on deposit rate offer among small banks, but the treatment did not affect behavior among them in the credit market. The explanation is that small banks offer high credit rate irrespective of the premium scheme." @default.
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- W3121957103 date "2018-01-01" @default.
- W3121957103 modified "2023-10-02" @default.
- W3121957103 title "Does a Deposit Insurance Scheme Induce Moral Hazard among Bankers? Evidence from an Experiment with Bankers" @default.
- W3121957103 doi "https://doi.org/10.2139/ssrn.3299788" @default.
- W3121957103 hasPublicationYear "2018" @default.
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