The mediating role of competition on deposit insurance and the risk-taking of banks in ASEAN countries

被引：4
|
作者：
Noman, Abu Hanifa Md [1 ,2 ]
Hassan, M. Kabir [3 ]
Pervin, Sajeda [4 ]
Isa, Che Ruhana [5 ]
Sok-gee, Chan [6 ]
机构：
[1] Univ Malaya, Fac Business & Accountancy, Dept Finance & Banking, Kuala Lumpur, Malaysia
[2] Univ Southampton Malaysia, Southampton Business Sch, Iskandar Puteri, Johor, Malaysia
[3] Univ New Orleans, Dept Econ & Finance, New Orleans, LA 70148 USA
[4] Univ Malaya, Inst Adv Studies, Kuala Lumpur, Malaysia
[5] Univ Malaya, Fac Business & Accountancy, Dept Accountancy, Kuala Lumpur, Malaysia
[6] Univ Malaya, Inst China Studies, Kuala Lumpur, Malaysia
来源：
RESEARCH IN INTERNATIONAL BUSINESS AND FINANCE | 2022年 / 59卷
关键词：
Bank risk-taking; Competition; Crisis; Deposit insurance; Regulation; FINANCIAL LIBERALIZATION; PANEL-DATA; MARKET POWER; STABILITY; BEHAVIOR; CRISIS; SUPERVISION; IMPACT; GOVERNANCE; ADOPTION;
D O I：
10.1016/j.ribaf.2021.101551
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
We investigate the mediating function of competition on the association between deposit insurance and the risk-taking of banks during an economic meltdown. In our analysis, we address issues of deposit insurance, competition, bank risk-taking, and bank crisis with explicit deposit insurance and full coverage dummies. Deposit insurance reduces bank risk in the absence of competition by reducing both credit and insolvency risk; however, it exacerbates bank risk and weakens banking stability in a highly competitive market. It also shows that the banking instability in a competitive market is attenuated by deposit insurance during financial crisis. This study offers policy implications.
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页数：19
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