Deposit Insurance: Belajar dari Praktek Terbaik
| Main Author: | Rahutami, Angelina Ika |
|---|---|
| Format: | Monograph PeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
Unika Soegijapranata
, 2010
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| Subjects: | |
| Online Access: |
http://repository.unika.ac.id/14242/1/Workingpaper_Deposit_Insurance_Belajar_Dari_Praktek_Terbaik_2010.pdf http://repository.unika.ac.id/14242/ |
Daftar Isi:
- Bank is the important part in the financial market because it has a role to intermediate, manage risk, providing payment services and as a channel of monetary policy. On the other side, Bank has property that is particularly vulnerable. This condition will make possibilities of illiquidity and insovency. Base on these characters, the role of deposit insurance scheme as a safety net of the banking system is a must. Safety net is intended to restore public confidence to banking system. The benefits of deposit insurance are to stabilize the financial system, increase public confidence and make a systemi stability. The problems that arise from the convening of deposit insurance are moral haard, adverse selection and agency problem. Some previous studies showed that bank authority need to use a transparent design of DIS to reduce the occurrence of moral hazad and agency problem. Transparency can be done when the authorities consider abot the condition of bank health. Several empirial studies also showed that almost all of countries se the deposit insurance scheme and be a compulsory memebership of DIS.