Regulacyjne granice stabilnosci depozytow gospodarstw domowych

Katarzyna Kochaniak ()
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Katarzyna Kochaniak: Uniwersytet Ekonomiczny w Krakowie

Problemy Zarzadzania, 2017, vol. 15, issue 66, 37-52

Abstract: This paper presents the problem of regulatory thresholds of household deposit stability in 15 euro area countries. Its aim is to confront the adopted solutions with proposals of the European Banking Authority and identify the areas which need re-regulation. The paper pays attention to deposits identified by the EBA as “high value deposits” and “very high value deposits” and proves greater availability of the first ones, which have been abandoned in the current regulations. Moreover, it shows their importance as funding for credit institutions. In the case of very high value deposits, their occurrence appears as occasional but significant in terms of their shares in all deposits declared by households in selected member states. The nature of both considered categories is assessed as sensitive due to their saving character, which increases the risk of outflows in periods of stress.

Keywords: household deposits; high value deposits; very high value deposits; funding stability of credit institutions; deposit guarantee schemes (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:sgm:pzwzuw:v:15:i:66:y:2017:p:37-52

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