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  1. Funding deposit insurance
    Author: Oosthuizen, Dick; Zalla, Ryan
    Published: [2022]
    Publisher:  European Central Bank, Frankfurt am Main, Germany

    We present a quantitative model of deposit insurance. We characterize the policymaker's optimal choices of coverage for depositors and premiums raised from banks. Premiums contribute to a deposit insurance fund that lowers taxpayers' resolution cost... more

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    Verlag (kostenfrei)
    Resolving-System (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 534
    Inter-library loan:
    No inter-library loan

     

    We present a quantitative model of deposit insurance. We characterize the policymaker's optimal choices of coverage for depositors and premiums raised from banks. Premiums contribute to a deposit insurance fund that lowers taxpayers' resolution cost of bank failures. We find that riskadjusted premiums reduce moral hazard, enabling the policymaker to increase deposit insurance coverage by 3 percentage points and decrease the share of expected annual bank failures from 0.66% to 0.16%. The model predicts a fund-to-covered-deposits ratio that matches the data and declines in taxpayers' income due to taxpayers' risk aversion.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789289952897
    Other identifier:
    hdl: 10419/269111
    Series: Array ; no 2704 (August 2022)
    Subjects: Deposit Insurance; Bank Runs; Bank Regulation
    Scope: 1 Online-Ressource (circa 62 Seiten), Illustrationen
  2. Institutional housing investors and the Great Recession
    Author: Oosthuizen, Dick
    Published: [2023]
    Publisher:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

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    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    VS 438
    Inter-library loan:
    No inter-library loan
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    Series: Working papers / Research Department, Federal Reserve Bank of Philadelphia ; 23, 22 (October 2023)
    Subjects: general equilibrium; housing; investors; housing prices; homeownership
    Scope: 1 Online-Ressource (circa 99 Seiten), Illustrationen