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.

引用

页数：19

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