Systemy gwarancji depozytów osób fizycznych w państwach Grupy Wyszehradzkiej
Deposit insurance scheme for individuals in the Visegrad Group states

Author(s): Dawid Banaś
Subject(s): Economy, National Economy, Supranational / Global Economy, Economic policy, Security and defense, EU-Accession / EU-DEvelopment, Financial Markets
Published by: Wydawnictwo Uniwersytetu Ekonomicznego w Poznaniu
Keywords: system gwarancji depozytów;stabilność finansowa;sieć bezpieczeństwa bankowego;Czechy;Polska;Słowacja;Węgry;
Summary/Abstract: The deposit guarantee systems that are part of the financial safety net are important elements contributing to the stability of the banking sector. Their existence gives depositors a sense of security, which translates into a higher savings rate in a country. The shape of deposit guarantee systems is adjusted to the banking sector operating in a country, which results in observable differences in individual institutions of this type. This can be noticed, for example,in the Visegrad Group countries, although it was more visible in the period before they joined the European Union, as implementing aspects related to the European Deposit Insurance Systemis currently underway. Although the applicable international regulations (mainly EU directives) affect the shape of the functioning deposit guarantee systems, there are still differences between them, for example in the method of determining premiums (they consider the risk taken or not, depending on the country). The author chose this group of countries from the Visegrad Group, as they were the first countries from the Eastern bloc to transform the banking sector. A comparative analysis of solutions that were decided in the countries of the Visegrad Group is the aim of the study. The work presents the applicable legal solutions and analyzes indicators e.g., the coverage ratio.

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