欧盟存款保险指令:一刀切吗?

H. Huizinga
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引用次数: 11

摘要

欧盟存款保险指令要求成员国维持最低保险金额为2万欧元的存款保险。本文回顾了存款保险政策国际协调的基本原理。要使存款保险政策的国际外部性存在,银行存款或银行股份必须有国际所有权。在这两方面,欧盟银行市场目前都高度一体化。最低承保额度为2万欧元,如果它迫使一些国家对存款“过度投保”,就会带来成本。从国家的角度来看,存款保险指令似乎不会导致欧盟15国的过度保险,但在一些新成员国可能存在过度保险。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The EU Deposit Insurance Directive: Does One Size Fit All?
The EU deposit insurance directive requires member states to maintain deposit insurance with a minimum insured amount of 20,000 euros. This paper reviews the rationale for international coordination of deposit insurance policies. For international externalities of deposit insurance policies to exist, there has to be international ownership of either bank deposits or bank shares. On both counts, EU banking markets are currently highly integrated. The minimum coverage of 20,000 euros imposes costs if it forces some countries to 'overinsure' deposits. From a national perspective, the deposit insurance directive does not appear to result in overinsurance in the EU-15, but there may be overinsurance in several of the new member states.
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