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- W4301462637 abstract "Deposit insurance schemes in many countries place a limit on the coverage of deposits in each bank. However, no limits are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of deposit insurance: No deposit insurance, unlimited deposit insurance, and limited deposit insurance. We show that limited deposit insurance weakens competition among banks and reduces total welfare relative to no or unlimited deposit insurance." @default.
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- W4301462637 date "2014-01-01" @default.
- W4301462637 modified "2023-09-23" @default.
- W4301462637 title "Limited Deposit Insurance Coverage and Bank Competition" @default.
- W4301462637 doi "https://doi.org/10.17016/feds.2014.53" @default.
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