Rastući značaj sistema osiguranja depozita i njegov razvoj u Republici Srbiji

The global economic crisis had a great impact on the banking sector. The confidence of depositors in the functioning of the system that should provide them with security has been completely damaged. One of the ways to overcome these crises is the deposit insurance system. The global economic crisis has also significantly affected the Serbian economy. Deposit insurance was first introduced into Serbian legal system in 2005 with the adoption of the Law on Deposit Insurance. It was changed twice until the adoption of the current Law from 2015, whose amendments were made twice, primarily in order to harmonize with EU regulations. In the first part, the author deals with the development, importance of the deposit insurance system and moral hazard, while in the second part author analyses the regulation of deposit insurance system in the legislation of the Republic of Serbia and the degree of harmonization with EU regulations.