Systemy gwarantowania depozytów w sieciach bezpieczeństwa finansowego na tle konsekwencji globalnego kryzysu finansowego

Jerzy Pruski , Jan Szambelańczyk

Abstract

The purpose of the paper is to characterize the current changes to financial safety nets, brought about by the global financial crisis, in Poland and in other countries. The paper focuses particularly on the legislation concerning financial stability and the widening concept of deposit guarantee. The global financial crisis has provoked an ongoing and lively political and scientific debate on the legal infrastructure of financial markets with a special emphasis on the banking sector. The main arguments concentrate not only on the idea of how to ensure financial stability but also on the issue of confidence of depositors expressed by their ability to withdraw money before the deposit maturity. Thus, in order to give the deposit guarantee system an extension of mandate to intervene when a bank is failing or is likely to fail, the traditional mode of operation of DGS has undergone radical changes (i.e. BRRD and DGSD) in recent years (especially in EU countries). Against this backdrop, different DGS models are discussed in the paper in connection with the concept of recovery and resolution. Moreover, the idea of macroprudential policy and microprudential supervision is also analyzed versus the resolution function allocated within the financial safety net.
Author Jerzy Pruski - Bankowy Fundusz Gwarancyjny
Jerzy Pruski,,
-
, Jan Szambelańczyk (WE / KPiPS)
Jan Szambelańczyk,,
- Department of Labour and Social Policy
Other language title versionsThe Changes of Deposit Guarantee Systems in the Financial Safety Net as Consequences of the Global Financial Crisis
Journal seriesBezpieczny Bank, ISSN 1429-2939, (B 13 pkt)
Issue year2014
No4
Pages101-127
Publication size in sheets1.3
Keywords in PolishBankowy Fundusz Gwarancyjny, gwarantowanie depozytów, nadzór mikro-ostrożnościowy, polityka makro-ostrożnościowa, resolution, sieć bezpieczeństwa finansowego
Abstract in PolishCelem tego artykułu jest analiza zmian w architekturze sieci bezpieczeństwa systemu finansowego w ostatnich latach - w związku z konsekwencjami globalnego kryzysu finansowego oraz przyjętych i projektowanych rozwiązań normatywnych, w szczególności w zakresie stabilności finansowej i gwarantowania depozytów w bankach.
Languagepl polski
Score (nominal)13
Score sourcejournalList
ScoreMinisterial score = 5.0, 13-12-2019, ArticleFromJournal
Ministerial score (2013-2016) = 13.0, 13-12-2019, ArticleFromJournal
Citation count*10 (2020-09-20)
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