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Deposit Insurance in the European Union
Holá, Veronika ; Jakubík, Petr (advisor) ; Teplý, Petr (referee)
This thesis examines the question whether uncoordinated steps of some EU states changing their deposit insurance schemes in the middle of 2008 could have led to shifts of deposits among EU countries. The paper deals mainly with changes of the rules which were introduced at the end of year 2008, and concerns with the amended Directive on Deposit Guarantee Schemes. Empirical analysis concentrates on the impact of state guarantees on the deposit grow rate in individual states. In the final part, we discuss the consequences of recent development and possible future progress.
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Deposit Insurance in the European Union
Holá, Veronika ; Jakubík, Petr (advisor) ; Teplý, Petr (referee)
This thesis examines the question whether uncoordinated steps of some EU states changing their deposit insurance schemes in the middle of 2008 could have led to shifts of deposits among EU countries. The paper deals mainly with changes of the rules which were introduced at the end of year 2008, and concerns with the amended Directive on Deposit Guarantee Schemes. Empirical analysis concentrates on the impact of state guarantees on the deposit grow rate in individual states. In the final part, we discuss the consequences of recent development and possible future progress.
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The Significance of the Deposit Guarantee Schemes in Different Countries
Vaclíková, Taťána ; Schlossberger, Otakar (advisor) ; Polák, Michal (referee)
The aim of this thesis is to compare DGS European Union member states before the unification of law and analyze the current situation and developments in this area in the European Union with a more detailed focus on the Czech Republic. Another objective is to evaluate the significance of the Deposit Insurance Fund in the Czech Republic and its ability to meet its obligations. At first are given the fundamental characteristics of the elements of context and parameters of deposit insurance. Then it is made a legal analysis of important directives on deposit insurance, which determine the current situation and developments in this area in the European Union. On the basis of events caused by the financial crisis, a single fixed level of insurance coverage had been introduced in the European Union. The thesis contains a comparison of deposit insurance systems of the Member States prior to the unification of this law. Attention is paid to deposit insurance in the Czech Republic. A determined importance of the Deposit Insurance Fund and the characteristics of its activity are also described. Finally, the thesis contains an example describing the Deposit Insurance Fund meeting its commitments to Volksbank CZ, illustrated by the situation where this bank is unable to meet its obligations to beneficiaries.
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Comparison of the deposit insurance system in the Russian Federation and in the Czech Republic
Gluhov, Anastasiya ; Dobrovolný, Marek (advisor)
Anotation: The subject of this thesis is a system of deposit insurance, which is a part of the regulation and supervision of the banking sector in many countries. The bachelor thesis generally examines the reasons for the implementation of deposit insurance system. It also contains the description of the six different approaches of the state participation on the deposit guarantee scheme. The bachelor thesis also compares these concepts and highlights their positive and negative aspects. The thesis also describes in details the system of deposit insurance in Russian federation and Czech republic, evaluates them, compares and highlights the advantages and disadvantages of both.
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Vývoj pojištění depozit v České republice
Hofman, Jiří ; Půlpánová, Stanislava (advisor)
Tato práce podrobně analyzuje vývoj pojištění depozit v České republice. Rozborem právních norem, novodobé historie našich bankovních institucí a situace na politické scéně odhaluje příčiny, které vedly ke konkrétním změnám tohoto základního pilíře bankovní regulace a dohledu. Nejprve jsou naznačeny obecné aspekty pojištění vkladů, které následuje nejrozsáhlejší kapitola zasvěcená vývoji pojištění vkladů u bank a stavebních spořitelen. Zvláštní pozornost je zde věnovaná historicky vyvolané modifikaci platné právní úpravy v podobě nadlimitních náhrad vkladů. V poslední části je vyložen způsob, jakým se vyvíjelo pojištění vkladů u družstevních záložen.
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Deposit insurance systems in various countries
Lexa, Radek ; Bakulová, Stanislava (advisor) ; Witzany, Jiří (referee)
Práce se zabývá významem ochrany vkladů v bankovním sektoru, věnuje se jednotlivým atributům systémů pojištění vkladů, dává informace o vývoji v ČR a rovněž o integračních tendencích v Evropě i ve světě, dále obsahuje popis vybraných systémů ve světě - srovnání a hodnocení podle některých atributů. Práce také hodnotí různé aspekty kvalitního systému pojištění - jeho efektivnost, spravedlnost a problematiku morálního hazardu. Obsahuje také vymezení síly fondů a jejich role při stabilizaci finančního systému.
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