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The European deposit insurance game plan

机译：欧洲存款保险游戏计划

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摘要

Purpose - This paper aims to analyze the development of European Deposit Insurance (DI) and assess the recent development at the EU level to establish a European Deposit Insurance Scheme (EDIS) in the context of a more integrated financial framework: the Banking Union (BU). Design/methodology/approach - The author uses literature review and empirical evidence to analyze the dynamic interaction among European governments in an effort to attract aggressive deposits with severe repercussion for financial stability. Findings - The paper argues that a liquidity providing EDIS would render regulatory subsidy and rent-seeking behavior persisting by allowing national policies to be pursued with considerable discretionary power and in the context of increasing competition for deposits. This would run contrary to the BU objectives and constitute a major failure of the program. Practical implications - The findings of the study can be helpful in understanding the DI policies pursued by European governments and their implications. Originality/value - To the best of the authors' knowledge, this is the first study that examines the interactions among European governments in pursuing DI policies and assesses the implications of EDIS.
机译：目的-本文旨在分析欧洲存款保险（DI）的发展并评估欧盟一级的最新发展，以便在更加综合的金融框架下建立欧洲存款保险计划（EDIS）：银行联盟（BU） ）。设计/方法/方法-作者使用文献综述和经验证据来分析欧洲各国政府之间的动态互动，以期吸引对金融稳定有严重影响的激进存款。调查结果-该论文认为，提供EDIS的流动性可以通过允许国家政策以相当大的自由裁量权并在存款竞争加剧的情况下推行，从而使监管补贴和寻租行为得以持续。这将与BU的目标背道而驰，并构成该计划的重大失败。实际意义-该研究的结果有助于理解欧洲各国政府奉行的直接投资政策及其影响。原创性/价值-就作者所知，这是第一项研究，探讨了欧洲各国政府在实施直接投资政策方面的互动关系，并评估了EDIS的含义。

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