The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period

Detalhes bibliográficos
Autor(a) principal: Hähn, Fabian
Data de Publicação: 2020
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10362/105907
Resumo: A permanent increase in the maximum amount covered by the FDIC in the USin2010 following the financial crisis raised concerns that a larger safety net would foster moral hazard and risk taking among banks. Counterintuitively, this study finds a decreasing risk in ess of banks after the FDIC increase. This holds true for standalone bank risk and stock return volatility of publicly traded banks. Explicitly, the introduction of the higher coverage amount in creased the average bank’ sz- score and thus its distance from insolvency. However, this effect may also be caused by other regulations like higher capital ratio requirements and a more expansive monetary policy.
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spelling The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis periodDeposit insuranceGlobal financial crisisRisk-taking willingnessUS BanksDomínio/Área Científica::Ciências Sociais::Economia e GestãoA permanent increase in the maximum amount covered by the FDIC in the USin2010 following the financial crisis raised concerns that a larger safety net would foster moral hazard and risk taking among banks. Counterintuitively, this study finds a decreasing risk in ess of banks after the FDIC increase. This holds true for standalone bank risk and stock return volatility of publicly traded banks. Explicitly, the introduction of the higher coverage amount in creased the average bank’ sz- score and thus its distance from insolvency. However, this effect may also be caused by other regulations like higher capital ratio requirements and a more expansive monetary policy.Silva, André CastroRUNHähn, Fabian2021-01-03T01:30:40Z2020-01-132020-01-032020-01-13T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/105907TID:202494330enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-05-22T17:48:14Zoai:run.unl.pt:10362/105907Portal AgregadorONGhttps://www.rcaap.pt/oai/openairemluisa.alvim@gmail.comopendoar:71602024-05-22T17:48:14Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
title The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
spellingShingle The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
Hähn, Fabian
Deposit insurance
Global financial crisis
Risk-taking willingness
US Banks
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
title_short The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
title_full The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
title_fullStr The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
title_full_unstemmed The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
title_sort The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
author Hähn, Fabian
author_facet Hähn, Fabian
author_role author
dc.contributor.none.fl_str_mv Silva, André Castro
RUN
dc.contributor.author.fl_str_mv Hähn, Fabian
dc.subject.por.fl_str_mv Deposit insurance
Global financial crisis
Risk-taking willingness
US Banks
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
topic Deposit insurance
Global financial crisis
Risk-taking willingness
US Banks
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
description A permanent increase in the maximum amount covered by the FDIC in the USin2010 following the financial crisis raised concerns that a larger safety net would foster moral hazard and risk taking among banks. Counterintuitively, this study finds a decreasing risk in ess of banks after the FDIC increase. This holds true for standalone bank risk and stock return volatility of publicly traded banks. Explicitly, the introduction of the higher coverage amount in creased the average bank’ sz- score and thus its distance from insolvency. However, this effect may also be caused by other regulations like higher capital ratio requirements and a more expansive monetary policy.
publishDate 2020
dc.date.none.fl_str_mv 2020-01-13
2020-01-03
2020-01-13T00:00:00Z
2021-01-03T01:30:40Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10362/105907
TID:202494330
url http://hdl.handle.net/10362/105907
identifier_str_mv TID:202494330
dc.language.iso.fl_str_mv eng
language eng
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dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
collection Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
repository.mail.fl_str_mv mluisa.alvim@gmail.com
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