The Deposit Guarantee-Scheme in the Czech republic:: History, status quo and comparison with the European system

被引：0
|
作者：
Hlavacek, Jiri
机构：
[1] Charles Univ Prague, Fac Social Sci, Inst Econ Studies, CZ-11000 Prague 1, Czech Republic
[2] Acad Sci Czech Republ, Inst Informat Theory & Automat, CZ-18208 Prague, Czech Republic
来源：
POLITICKA EKONOMIE | 2007年 / 55卷 / 04期
关键词：
Deposit Insurance; the Czech Deposit Insurance Fund; the European Directive on Deposit Guarantee-Schemes;
D O I：
10.18267/j.polek.608
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
Czech laws on Deposit Guarantee-Schemes are characterized. It is described history of rise of the Czech Deposit Insurance Fund and dynamics of its basic characteristics. Czech deposit guarantee system is compared with the European system and with the European Directive on Deposit Guarantee-Schemes. It is calculated the effective rate of "taxation" by the compulsory payment to Czech Deposit Insurance Fund, which is (because of the very low interest rates in the Czech Republic) extremely high (about 30-40 %). Recommendations: 1) discard the audited firms from the Deposit Guarantee-Scheme and 2) decrease the amounts compulsorily paid by banks for deposits of small clients (deposits of households).
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页码：458 / 472
页数：15
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