Deposit insurance structure and deposit growth dynamics: a cross-country empirical exploration

This study investigates the impact of Deposit Insurance Systems (DISs) structure on deposit growth across 40 major global economies. Using panel data regression and an instrumental variable model, we find that government-administered DISs significantly reduce deposit growth, particularly in develope...

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Bibliographic Details
Published in:Cogent economics & finance 2025-12, Vol.13 (1)
Main Authors: Ghosh, Avik, Magotra, Ankit
Format: Article
Language:English
Subjects:
Banking
deposit growth
Deposit insurance
depositors' confidence
Econometrics
G18
heterogeneity
instrument variable
Insurance
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