The impact of deposit insurance on the risk-taking willingness of banks: evidence from US Banks in the post-crisis period
Autor(a) principal: | |
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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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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 |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
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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1817545763402547200 |