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Households' deposit insurance coverage: evidence and analysis of potential reforms.: An article from: Journal of Money, Credit & Banking
by Arthur B. Kennickell, Myron L. Kwast, Martha Starr-McCluer
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Binding: Digital
Format: HTML
Number Of Pages: 14
Publication Date: 1996-08-01
Publisher: Ohio State University Press
Release Date: 2005-07-28
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This digital document is an article from Journal of Money, Credit & Banking, published by Ohio State University Press on August 1, 1996. The length of the article is 4149 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
From the author: It is often suggested that reducing deposit insurance would reduce problems of moral hazard in the banking industry. However, little is known about likely effects of proposed reforms on household depositors. This study uses data from the Survey of Consumer Finances to examine the characteristics of household depositors, particularly those with uninsured funds. We find that large depositors tend to have substantial shares of their assets in insured depositories, yet often fail to keep their holdings within insurance limits. Various explanations for these facts are considered. We also simulate the effects of proposed reforms on the pool of uninsured depositors.
From the supplier: It is often suggested that reducing deposit insurance would reduce problems of moral hazard in the banking industry. However, little is known about likely effects of proposed reforms on household depositors. This study uses data from the Survey of Consumer Finances to examine the characteristics of household depositors, particularly those with uninsured funds. We find that large depositors tend to have substantial shares of their assets in insured depositories, yet often fail to keep their holdings within insurance limits. Various explanations for these facts are considered. We also simulate the effects of proposed reforms on the pool of uninsured depositors. (Reprinted by permission of the publisher.)
Citation Details
Title: Households' deposit insurance coverage: evidence and analysis of potential reforms.
Author: Arthur B. Kennickell
Publication: Journal of Money, Credit & Banking (Refereed)
Date: August 1, 1996
Publisher: Ohio State University Press
Volume: v28 Issue: n3 Page: p311(12)
Distributed by Thomson Gale
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