The analysis of deposit insurance mechanism for various countries and a proposal of a new model for Turkey
Başlık çevirisi mevcut değil.
- Tez No: 355239
- Danışmanlar: Belirtilmemiş.
- Tez Türü: Yüksek Lisans
- Konular: İşletme, Business Administration
- Anahtar Kelimeler: Belirtilmemiş.
- Yıl: 1997
- Dil: İngilizce
- Üniversite: Marmara Üniversitesi
- Enstitü: Sosyal Bilimler Enstitüsü
- Ana Bilim Dalı: İşletme (İngilizce) Ana Bilim Dalı
- Bilim Dalı: Belirtilmemiş.
- Sayfa Sayısı: 106
Özet
Özet yok.
Özet (Çeviri)
Banking system depends on stable source of funds. Assurance of stability of funds provides operational and financial leverage to the system. Commercial banks' major source of funding is from the depositors. The diversified nature of depositors provides a stable funding base. However at a certain period of time, this stability may be threatened by various economic or social turbulences. Despite some efforts of past governments, widespread bank-runs and collapse of banking sector occurred in the past, which lead the establishment of the deposit insurance system. These systems appear to be created to -help restoring the public confidence in the banking system, to provide the government with a formal mechanism for dealing with failing banks, and to assure that small depositors would be protected in the event of bank failures. This study has three basic steps: The first is to identify the major properties of deposit insurance systems. These features are types of financial institutions that are eligible for deposit insurance. The issue of whether the deposit insurance system should be public or private, whether the system should be compulsory or voluntary, the amount of insurance coverage that should be offered to depositors and the financing the deposit insurance system.The second step is to analyze and evaluate the implications of creating deposit insurance system in some developing countries such as Colombia and India as well as in some developed countries such as U.S.A, U.K, Germany, France and Spain. As a final step in this study, we will analyze the current deposit insurance system in Turkey and review its pros and cons. Under the light of the-above mentioned steps and also by analyzing the financial structure of the Turkish banking system including its deposit, capital and loan features, we will propose a new and effective model for the Turkish deposit insurance system.
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