| 摘要: | Current insurance deposit systems of many countries are facing serious challenges, after the latest global financial crisis, so that many countries are adopting or have already adopted system reforms in their deposit insurance, especially in regulatory reforms. Some of them are temporary, some have been made permanent. As an indispensable member of the financial safety net, deposit insurer is expected to take a lot of measures to fine-tune the way they operate with a view to protecting small depositors, preserving public confidence and contributing to the overall stability of the banking sector. This article aims to take recent reforms carried out by deposit insurance organizations around the world into thorough consideration and draw helpful lessons for Deposit Insurance of Vietnam (DIV) - an active and dynamic deposit insurer in the world. The study is also aimed at calculating the possible fund size for DIV in order to help it run effectively by using scenario analysis. We suggest the fund framework, including members, pay as you go fees, and operating model, will gradually expand the scale year by year.
Current insurance deposit systems of many countries are facing serious challenges, after the latest global financial crisis, so that many countries are adopting or have already adopted system reforms in their deposit insurance, especially in regulatory reforms. Some of them are temporary, some have been made permanent. As an indispensable member of the financial safety net, deposit insurer is expected to take a lot of measures to fine-tune the way they operate with a view to protecting small depositors, preserving public confidence and contributing to the overall stability of the banking sector. This article aims to take recent reforms carried out by deposit insurance organizations around the world into thorough consideration and draw helpful lessons for Deposit Insurance of Vietnam (DIV) - an active and dynamic deposit insurer in the world. The study is also aimed at calculating the possible fund size for DIV in order to help it run effectively by using scenario analysis. We suggest the fund framework, including members, pay as you go fees, and operating model, will gradually expand the scale year by year. |
