12th Economics & Finance Conference, Dubrovnik

THE FINANCIAL EFFICIENCY OF DEPOSIT GUARANTEE SCHEMES IN A CHANGING FINANCIAL ENVIRONMENT

ŁUKASZ SZEWCZYK

Abstract:

The financial potential of the deposit guarantee scheme has become one of the most important factor that determines its proper functioning. The wide range of functions performed by those schemes raises the problem of their effectiveness and efficiency. This efficiency is related to the design of the system and the impact of individual elements on its functioning. It should be emphasized here that the problem of the broadly understood effectiveness of guarantee systems is complex, and the assessment of it is so important that it seems reasonable to undertake research in this area. It is also crucial, that at present guarantee systems undergo a number of changes, which makes the issue of efficiency in the center of attention of both scientists dealing with financial stability and practitioners. The aim of this study is to show the distinction between effectiveness and efficiency of deposit guarantee scheme and to assess the financial efficiency of deposit guarantee schemes in selected countries using various measures (both qualitative and quantitative).

Keywords: Deposit guarantee schemes, efficiency, financial potential

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