The Impact of Changes in Deposit Insurance Threshold on the Bank Failure Risk

Student: Loginov Ivan

Educational Programme: Economics (Bachelor)

Final Grade: 9

Year of Graduation: 2016

The paper presents the results of theoretical and empirical research, where was revealed the impact of changes in deposit insurance threshold of individuals at risk of default of banks. Calculations and statistical analysis were carried out on a sample of the number of Russian banks in the period from 2004 to 2016. The data were divided into temporary groups, depending on the implementation of reforms at the maximum insurable amount of the deposit. For empirical research was used the logit model with the dependent variable on the fact of a bank failure. The results confirmed the presence of the effect of changes in the insurance ceiling on the risk of bank failure. However, the permanent increase in the riskiness of the bank's policy has not been established after raising the deposit amount reimbursement threshold.

Full text (added May 13, 2016)

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