은행의 부채구조와 예금보험료 부과베이스

초록

We review and recommend to consider bank’s liability structure when determining the deposit insurance premium assessment base, which is regarded as one of the important elements in setting up the incentive compatible deposit insurance system. Bank’s liability structure affects the resolution costs of the insolvent banks. The market discipline which is exercised by the unprotected depositors or unsecured creditors anticipating bank closure itself can increase the deposit insurer’s resolution costs. Wide body of research conducted after 2007-2008 demonstrates that the bank’s liability structure affects the bank’s risk taking behavior. Possible candidates as assessments base we can consider include those items such as secured credit, insured deposits or total debts excluding subordinate debts.

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