Skip to main content
  • This website sets cookies on your device. To find out more about how we use cookies please refer to our Privacy and Cookie Policy. By continuing to use the site, we’ll assume that you are content for us to set these on your device.
  • Close
Home > Education and Museum > CCBS Handbook - Deposit Insurance

CCBS Handbook - Deposit Insurance

Handbook No 9
By Ronald MacDonald

This Handbook aims to give practical guidance on the essential questions which have to be addressed in the establishment of deposit insurance schemes. It examines the rationale for deposit insurance and the risk that insurance creates moral hazard. It then discusses the differences between formal deposit insurance schemes and implicit (or ad hoc)arrangements for depositor insurance, and the feasibility of private insurance. After describing different types of scheme it deals with more detailed matters such as triggers for the payment of compensation, the selection of those categories of deposit which are to be protected, compensation ceilings and co-insurance. Finally, it discusses the financing of compensation payments and administrative arrangements.

This handbook is also available in Russian and Spanish.

Key Resources

Deposit Insurance
Complete handbook
Download PDF (81k)
Deposit Insurance
Spanish language version
Download PDF (85k)
Deposit Insurance
Russian language version.
Download PDF (249k)