System gwarantowania depozytów w Unii Europejskiej
The deposit insurance system in the European Union

Summary/Abstract: Motivation: There is a lot of information on the banking union in the literature on the subject. However, there is no indication of the features of the European deposit guarantee scheme, taking into account changes after 2017. Aim: The aim of the article is to present the problem of the deposit guarantee system in the European Union, taking into account the deposit guarantee systems in the Member States. Its assumptions and stages of introduction were described. The new reform, which was caused by the lack of timely implementation of the original assumptions of individual stages and its changes were also discussed. Moreover, basic information about the Bank Guarantee Fund (BGF) was also included. Materials and methods: Critical analysis of the literature on the subject was chosen as the research method and statistical data were used. The empirical material is the BGF data and data included in publications. Results: The European deposit guarantee system seems to be necessary in order to build a full banking union and lead to greater integration of the euro area countries. The creation of a European deposit insurance scheme will strengthen the protection of depositors, as responsibility will henceforth be transferred to the European level.

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