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- W3141910033 abstract "Using unique, daily, account-level balances data we investigate deposit stability and the drivers of deposit outflows and inflows in a distressed bank. We observe an outflow of uninsured depositors from the bank following bad regulatory news. We find that government deposit guarantees, both regular deposit insurance and temporary deposit insurance measures, reduce the outflow of deposits. We also characterize which accounts are more stable (e.g., checking accounts and older accounts). We further provide important new evidence that, simultaneous with the run-off, gross funding inflows are large and of first-order impact — a result which is missed when looking at aggregated deposit data alone. Losses of uninsured deposits were largely offset with new insured deposits as the bank approached failure. We show our results hold more generally using a large sample of banks that faced regulatory action. Our results raise questions about depositor discipline, widely considered to be one of the key pillars of financial stability, raising the importance of other mechanisms of restricting bank risk taking, including prudent supervision." @default.
- W3141910033 created "2021-04-13" @default.
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- W3141910033 date "2018-01-01" @default.
- W3141910033 modified "2023-09-25" @default.
- W3141910033 title "Deposit Inflows and Outflows in Failing Banks: The Role of Deposit Insurance" @default.
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- W3141910033 doi "https://doi.org/10.2139/ssrn.3172256" @default.
- W3141910033 hasPublicationYear "2018" @default.
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