| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP15547 |
| DP15547 Deposit Insurance, Bank Ownership and Depositor Behavior | |
| Sümeyra Atmaca; Karolin Kirschenmann; Steven Ongena; Koen Schoors | |
| 发表日期 | 2020-12-11 |
| 出版年 | 2020 |
| 语种 | 英语 |
| 摘要 | We employ proprietary data from a large bank to analyze how -- in times of crisis -- depositors react to a bank nationalization, re-privatization and an accompanying increase in deposit insurance. Nationalization slows depositors fleeing the bank, provided they have sufficient trust in the national government, while the increase in deposit insurance spurs depositors below the new 100K limit to deposit more. Prior to nationalization, depositors bunch just below the then-prevailing 20K limit. But they abandon bunching entirely during state-ownership, to return to bunching below the new 100K limit after re-privatization. Especially depositors with low switching costs are moving money around. |
| 主题 | Financial Economics |
| 关键词 | Deposit insurance Coverage limit Bank nationalization Depositor heterogeneity |
| URL | https://cepr.org/publications/dp15547-0 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/544550 |
| 推荐引用方式 GB/T 7714 | Sümeyra Atmaca,Karolin Kirschenmann,Steven Ongena,et al. DP15547 Deposit Insurance, Bank Ownership and Depositor Behavior. 2020. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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