Moldova Financial Sector Assessment Program : Core Principles for Effective Deposit Insurance Systems

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作者：

World Bank

来源地址：

http://hdl.handle.net/10986/22906

关键词：

DEPOSIT GUARANTEE;  INSURANCE COVERAGE LIMITS;  LINE OF CREDIT;  INSURED DEPOSIT;  TRANSACTION ACCOUNTS;  DEPOSIT;  CAPITAL MARKETS;  ECONOMIC ENVIRONMENT;  DEPOSITS;  LIQUIDATION;  FINANCIAL SAFETY-NET;  INSURANCE SYSTEM FOR BANKS;  PROMISSORY NOTES;  BANKING INDUSTRY;  FOREIGN OWNERSHIP;  GUARANTEES;  DEPOSIT TAKING INSTITUTIONS;  LIQUIDITY ASSISTANCE;  INVESTMENT POLICIES;  BANKING SYSTEM;  OBLIGATIONS TO DEPOSITORS;  LEVEL OF PREMIUMS;  INSURER;  UNSOPHISTICATED DEPOSITORS;  LIQUIDITY;  PRUDENTIAL REGULATION;  DEPOSIT BALANCES;  BANK DEPOSIT;  INSURANCE CORPORATION;  COVERAGE LEVELS;  DEPOSITOR PROTECTION;  FAILURE RESOLUTION;  CAPITAL ADEQUACY;  DEPOSIT INSURANCE PREMIUMS;  INDIVIDUAL DEPOSITORS;  COVERAGE TO DEPOSITORS;  INSURED DEPOSITOR;  SYSTEMIC FAILURES;  LIQUIDITY SUPPORT;  DEPOSIT INSURANCE LIMIT;  FINANCIAL CONDITION;  ASSET MANAGEMENT;  PUBLIC DEPOSIT INSURANCE;  INSOLVENT BANK;  INSURED DEPOSITORS;  CAPITAL ADEQUACY RATIO;  DEPOSIT INSURERS;  EMERGENCY LIQUIDITY SUPPORT;  OBJECTIVES FOR DEPOSIT INSURANCE;  BANKRUPTCY;  FORBEARANCE;  REGULATORY AUTHORITY;  INCENTIVES FOR DEPOSITORS;  CREDITORS;  INSURANCE SCHEME;  CREDITOR;  BANK RISK TAKING;  DEPOSIT INSURANCE FUND;  DEPOSIT GUARANTEE SYSTEM;  CENTRAL BANK;  FOREIGN DEPOSITS;  HOUSEHOLD DEPOSITS;  UNINSURED DEPOSITORS;  INVESTMENT PRODUCTS;  DEPOSIT INSURANCE SYSTEMS;  LIQUIDATION PROCESS;  INDEBTEDNESS;  INSURANCE SYSTEMS;  BANK FINANCE;  PREFERENTIAL INTEREST RATES;  MORAL HAZARD;  LIQUIDATION OF BANKS;  INDIVIDUAL DEPOSITOR;  LIQUIDATIONS;  DEBTS;  CONTRACTS;  PRIVATE BANKS;  MEMBER BANK;  FOREIGN CURRENCIES;  LIMITED DEPOSIT INSURANCE;  GUARANTEE FUND;  COST OF DEPOSIT INSURANCE;  LIQUIDATION PROCESSES;  INTEREST RATES;  RECAPITALIZATION;  DOMESTIC BANKS;  FINANCIAL INSTITUTIONS;  INSURED DEPOSIT AMOUNTS;  DEBT;  FAILURE RESOLUTION FRAMEWORK;  BANK CLOSURE;  INSURANCE FUND;  CAPITAL REQUIREMENTS;  BANK OWNERSHIP;  CREDITOR RIGHTS;  BLANKET GUARANTEES;  DEPOSIT INSURANCE;  INSURERS;  DEPOSIT AMOUNTS;  DEPOSIT INSURANCE COVERAGE;  DEPOSIT ACCOUNT RECORDS;  INSURANCE COVERAGE;  DEPOSIT PROTECTION;  BLANKET GUARANTEE;  FOREIGN CURRENCY;  DEPOSIT INSURANCE OBLIGATION;  DOMESTIC BANK;  LIMITED COVERAGE SYSTEM;  FISCAL DEFICIT;  DEPOSITORS;  DEPOSITS OF INDIVIDUALS;  FINANCIAL SYSTEM STABILITY;  DEPOSIT GUARANTEE FUND;  PROTECTING DEPOSITORS;  INSURED DEPOSITS;  BANK ASSISTANCE;  EMERGENCY LIQUIDITY ASSISTANCE;  MEMBER BANKS;  FINANCIAL STABILITY;  BANK REGULATOR;  BANK FAILURES;  TREASURY BILLS;  INSURABLE DEPOSIT;  VALUE OF DEPOSITS;  PRUDENTIAL REGULATIONS;  BANKING LAWS;  INSURANCE LIMITS;  CONTRACT;  LEVEL OF COVERAGE;  INFORMATION ON DEPOSIT INSURANCE;  ASSET QUALITY;  MARKET DISCIPLINE;  FOREIGN BRANCHES;  LOAN PORTFOLIO;  FOREIGN BANKS;  EX-ANTE DEPOSIT INSURANCE;  INSURANCE LIMIT;  DEPOSITS OF BANK;  OPEN-BANK ASSISTANCE;  EFFECTIVE DEPOSIT INSURANCE;  COVERAGE LEVEL;  CORRECTIVE ACTIONS;  INVESTMENT POLICY;  CREDIT UNION;  INSURANCE SYSTEM;  BANK SECRECY;  DEPOSIT INSURER;  DEPOSIT INSURANCE COVERAGE LIMITS;  DEPOSIT INSURANCE SYSTEM;  INSURANCE;  GROWTH OF DEPOSITS;  INSURANCE PREMIUMS;  COVERAGE LIMITS;  COVERAGE LIMIT;  FINANCIAL SAFETY NET;  BANK RISK;  LIQUIDATION PROCEEDINGS;  PROTECTION FOR DEPOSITORS;  DEPOSIT INSURANCE SYSTEM DESIGN;  DEPOSIT INSURANCE CORPORATION;  SMALL DEPOSITORS;  NATIONAL BANK;  INDIVIDUAL DEPOSITS;  BANK MANAGEMENT;  COMMERCIAL BANKS;  CORRECTIVE ACTION;  TRANSFER OF DEPOSITS;  GUARANTEE SYSTEM;  FLAT-RATE PREMIUM;  RISK TAKING;  INSOLVENCY;  DEPOSITOR PREFERENCE;  FLAT RATE PREMIUM;  DEPOSIT INSURANCE SCHEME;  EVENT OF BANK FAILURE;  BANK LICENSE;  ASSOCIATION OF DEPOSIT INSURERS;  DEPOSIT ACCOUNT;  LIMITED COVERAGE;  LIABILITIES;  BANK FAILURE;  PUBLIC BANK;  LIQUID ASSETS;  GUARANTEE;  SAVINGS BANK;  FOREIGN BANK;  DEPOSITOR;  SYSTEMIC CRISIS;  Report; 

年份：

2014

出版地：

Washington,USA

语种：

English

摘要：

During February 17 to March 5, 2014 an assessment under the international monetary fund (IMF) and World Bank financial sector assessment program (FSAP) was conducted for the Republic of Moldova. As part of the FSAP, the deposit insurance system was assessed against the Basel committee on banking supervision (BCBS) - International Association of Deposit Insurers (IADI) core principles for effective deposit insurance systems. The team found the deposit guarantee fund (DGF) is compliant or largely compliant with 12 out of 17 applicable core principles, materially non-compliant with 4 core principles and non-compliant with one. This report presents review of the background and structure of the DGF, a review of preconditions for effective deposit insurance systems, a summary of key findings and recommendations, and a section providing the detailed assessment of the core principles.