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 SM ISO690:2012CUCU, Mariana, BERZEDEANU, Galina. Garantarea depozitelor ca mecanism de asigurare a stabilităţii sistemului bancar. In: Economica, 2006, nr. 4(56), pp. 93-96. ISSN 1810-9136. |
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| Economica | ||||||
| Numărul 4(56) / 2006 / ISSN 1810-9136 | ||||||
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| Pag. 93-96 | ||||||
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Deposit guarantee scheme, having the main goal to promote public confidence in banks, is considered to be a necessary premise for a stable banking system. At the same time, deposit insurance can have a dual effect: on the one hand, it can reduce the frequency of bank failures through prevention of panics and massive deposit withdrawals resulted from stress situations created on the financial market, on the other hand, it may result in the moral hazard and excessive risk- taking by banks.
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