Economic Modeling White Papers

Deposit Insurance and Risk Management of the U.S. Banking System: How Much? How Safe? Who Pays?

Overview We examine the question of deposit insurance through the lens of risk management by addressing three key issues: 1) how big should the fund be; 2) how should coverage be priced; and 3) who pays in the event of loss. We propose a risk-based premium system that is explicitly based on the loss distribution faced by the FDIC.

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PublisherWharton Financial Institutions Center File FormatPDF, requires Acrobat Rdr 5
Date PublishedApril 2002 Downloads309
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