Volume II - PDF - International Association of Deposit Insurers

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Research Plan •BACKGROUND DOCUMENTS• Part I: Research June 22, 2000 A proposed research agenda for the development of guidance on deposit insurance is presented below. The dates and topics are subject to change on the basis of the consultative process. The focus of the proposed research, the methodology, and certain deliverables are provided for the main topics. The research effort will include a search of the relevant literature, case studies, and consultations with practitioners of deposit insurance and interested parties, as appropriate. The papers that result from this effort will be used as the basis for the formulation of guidance on deposit insurance. In order to develop guidance on deposit insurance, it is vital to draw upon the interest, experience, and expertise of the members of the Working Group, practitioners and others. To that end, participants from the Working Group, and/or their designees, will be requested to participate in the analysis of selected topics. In addition, requests for information on pertinent topics will be sent to interested parties in order to solicit their input. A subgroup of the Working Group will be established for each topic listed in the Research Plan. A Coordinator, who is a member of the Working Group, will head each subgroup. The Coordinator will be responsible for ensuring that the relevant deliverables are completed in the specified timeframe. A member of the Research Committee will offer guidance and provide assistance to the participants in each case. In order to carry out the Research Plan, the following steps will be employed. • Members of the Research Committee 1 will develop a draft business plan for each topic identified in the Research Plan. • The draft business plan will be given to the Coordinator and subgroup members for their review and modification, as appropriate. • The Coordinator of the subgroup will submit the revised business plan to George Hanc, Chair of the Research Committee, for his review. • Upon review by George Hanc, the Business Plan will be submitted to J.P. Sabourin, Chair of the Working Group, for his review. • The revised business plan will be returned to the Coordinator and subgroup members for implementation. The result of these efforts will be papers that will include: relevant background information, the identification of pertinent issues, a summary and conclusions, and specific recommendations regarding possible guidance. 2 On the basis of these papers, the Research Committee will produce documents for review by members of the Working Group. Observations on the Research Plan are welcome and should be directed to ghanc@fdic.gov and copied to dwalker@cdic.ca. Part A: General Policy Issues 1 Public-Policy Objectives Focus: The public-policy objectives underlying a deposit insurance system must be consistent with a country’s political, legal, and economic infrastructure. The deposit insurer must be aware of the trade-offs associated with its objectives, and have sufficient powers to achieve them. Methodology: Literature review and consultations with practitioners Deliverables: • Draft to Research Committee — Wednesday, September 6, 2000 • Draft to Working Group — Wednesday, September 20, 2000 Subgroup Coordinator: Canada Suggested participants: IMF, Jamaica, Mexico, Philippines Research Committee member: Greg Cowper, gcowper@cdic.ca 5 Guidance for Developing Effective Deposit Insurance Systems: Volume II
•BACKGROUND DOCUMENTS• Part I: Research 2 Moral-Hazard Issues Focus: Moral hazard exists in all insurance settings. The challenge for policymakers is to design a deposit insurance system that meets the stated publicpolicy objectives while limiting moral hazard to the extent practicable. Methodology: Literature review and consultations with practitioners Deliverables: • Draft to Research Committee — Wednesday, September 6, 2000 • Draft to Working Group — Wednesday, September 20, 2000 Subgroup Coordinator: USA Suggested participants: Chile, France, Germany, Italy, Japan, The World Bank Research Committee member: George Hanc, ghanc@fdic.gov Part B: Situational Analysis and Transitional Considerations 3 Situational Analysis, Conditions and Implementation Considerations Focus: When determining how to design, implement, or enhance a deposit insurance system, existing conditions (political, economic, and legal) must be considered. Methodology: Case studies drawing on the experience of countries that have established a deposit insurance system and how their situations affected their systems; consultations with practitioners and others; and the Strategic Analysis Model. Deliverables: • Draft to Research Committee — Wednesday, September 6, 2000 • Draft to Working Group — Wednesday, September 20, 2000 Subgroup Coordinator: IMF Suggested participants: Argentina, France, Mexico, The World Bank Research Committee member: George Hanc, ghanc@fdic.gov 4 Special Considerations When Transitioning from Blanket Deposit Guarantees to Limited-Coverage Explicit Deposit Insurance Systems Focus: A number of countries implemented blanket government guarantees to prevent the collapse of their financial systems and restore or achieve financial stability. As financial stability returns, many of these countries are focusing on ways to make a smooth transition from blanket guarantees to limited-coverage deposit insurance systems. Methodology: Case studies and literature review. Deliverables: • Draft to Research Committee — Wednesday, September 6, 2000 • Draft to Working Group — Wednesday, September 20, 2000 Subgroup Coordinator: Mexico Suggested participants: Hungary, IMF, Japan Research Committee member: Christine Blair, cblair@fdic.gov Part C: Terms and Conditions for Establishing an Effective Deposit Insurance System The focus, methodology and deliverables for each of the components of Part “C” are as follows: Focus: Architects of a deposit insurance system must consider certain fundamental issues. These include: • Membership — what institutions should be members of the deposit insurance system; • Who and what types of accounts should be covered, and the limits of that coverage; 6 Guidance for Developing Effective Deposit Insurance Systems: Volume II
Page 1 and 2: Volume II FINANCIAL STABILITY FORUM
Page 3 and 4: Acknowledgements The preparation Fi
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II Outreach Process . . . . . . . .
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Activities •BACKGROUND DOCUMENTS
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III Feedback
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•BACKGROUND DOCUMENTS• Part III
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FINANCIAL STABILITY FORUM Guidance
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