Universal deposit insurance lowers consumer fears – Bundesbank paper


Universal bank deposit guarantees strengthen the financial sector’s resilience in times of crisis, a working paper published by the Deutsche Bundesbank says.

In Fear, deposit insurance schemes, and deposit reallocation in the German banking system, Falko Fecht, Stefan Thum and Patrick Weber study a major change in Germany’s bank deposit provision.

The authors examine data from Germany before and after the government introduced a universal bank deposit guarantee in October 2008. Before its

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