Systemy gwarantowania depozytów a stabilność finansowa w świetle doświadczeń okresów niestabilności systemowej z 2008 i 2023 roku
Deposit guarantee schemes and financial stability: Lessons from periods of systemic instability of 2008 and 2023

Author(s): Ewa Miklaszewska
Subject(s): Economy, National Economy, Business Economy / Management, Economic policy, EU-Accession / EU-DEvelopment, Financial Markets
Published by: Wydawnictwo Uniwersytetu Ekonomicznego w Poznaniu
Keywords: ubezpieczenia depozytów;stabilność finansowa;kryzys finansowy 2023;Crisis Management and Deposit Insurance;
Summary/Abstract: Purpose: The experience of systemic instability in March 2023 showed that a high level of retail deposit insurance is not sufficient to preserve financial stability, triggering reflection on the need for a new deposit protection policy. Therefore, the purpose of the chapter is to analyse the work currently underway, particularly the reform proposals published in 2023 by IADI, FDIC and the EC. Methodology: The chapter includes a literature review of deposit insurance schemes and a critical assessment of current proposals for their modifications. Findings: The chapter develops the claim that, given the current characteristics of financial markets and accelerated technological development, it is necessary for the preservation of financial stability to expand the scope of deposit guarantees, covering both a larger group of eligible entities and types of accounts, including addressing the problem of large deposits.

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