The scope of the Bank Guarantee Fund’s activities and its potential for extension

Magdalena Kozińska

doi:10.26354/bb.5.2.79.2020

Opublikowane: 2020-07-09

Tom 79 Nr 2 (2020)

The scope of the Bank Guarantee Fund’s activities and its potential for extension

Magdalena Kozińska

Dział: Problemy i poglądy

https://doi.org/10.26354/bb.5.2.79.2020

Abstrakt

The Bank Guarantee Fund (BGF) is a basic element of the Polish financial safety net. In recent years, the shape of its activity has undergone significant modifications. Therefore, questioning the completeness of the new BGF business model becomes justified. The purpose of the article is to identify fields in which the BGF’s activities could be developed. The Fund’s tasks were identified and then compared with the results of an analysis of 109 deposit guarantee systems around the world. Based on the international experience, several areas can be identified where the BGF’s operations can be improved. They include introducing the possibility of providing financial assistance to banks whose situation has worsened, increasing the level of diversification of investments made by the Fund, and strengthening the BGF’s information and education activities through a presence in social media.

Słowa kluczowe:

gwarantowanie depozytów , Bankowy Fundusz Gwarancyjny, , resolution

Pobierz pliki

pdf (English)

Zasady cytowania

Kozińska, M. (2020). The scope of the Bank Guarantee Fund’s activities and its potential for extension. Bezpieczny Bank, 79(2), 81–103. https://doi.org/10.26354/bb.5.2.79.2020

Cited by / Share

Licencja

Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Na tych samych warunkach 4.0 Międzynarodowe.

Podobne artykuły

Tomasz Obal, Gwarantowanie depozytów w Polsce w latach 1995-2020. Aksjologia, wybrane regulacje, praktyka , Bezpieczny Bank: Tom 80 Nr 3 (2020)
Aleksandra Żywiec, Bankowy Fundusz Gwarancyjny jako instytucja systemu gwarantowania depozytów w Polsce , Bezpieczny Bank: Tom 83 Nr 2 (2021)
Jerzy Pruski, Jan Szambelańczyk, Systemy gwarantowania depozytów w sieciach bezpieczeństwa finansowego na tle konsekwencji globalnego kryzysu finansowego , Bezpieczny Bank: Tom 57 Nr 4 (2014): Bezpieczny Bank

Możesz również Rozpocznij zaawansowane wyszukiwanie podobieństw dla tego artykułu.

Inne teksty tego samego autora

Magdalena Kozińska, Zarządzanie kryzysem bankowym i ochrona klientów w debacie XI Kongresu Ekonomistów Polskich , Bezpieczny Bank: Tom 101 Nr 4 (2025)

<< < 1 2

Bibliografia

DIRECTIVE 2014/49/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 16 April 2014 on deposit guarantee schemes (Official Journal of the European Union L 173/149)
Google Scholar

DIRECTIVE 2014/59/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 15 May 2014 establishing a framework for the recovery and resolution of credit institutions and investment firms and amending Council Directive 82/891/EEC, and Directives 2001/24/EC, 2002/47/EC, 2004/25/EC, 2005/56/EC, 2007/36/EC, 2011/35/EU, 2012/30/EU and 2013/36/EU, and Regulations (EU) No 1093/2010 and (EU) No 648/2012, of the European Parliament and of the Council (Official Journal of the European Union L 173/190)
Google Scholar

Act of December 14, 1994 on the Bank Guarantee Fund (OJ 1995, no 4, item 17 and 18, with later amendments)
Google Scholar

Act of 9 November 2018 on amending certain acts in connection with the strengthening of supervision over the financial market and protection of investors in this market (OJ 2018, item 2243)
Google Scholar

Act of 10 June 2016 on the Bank Guarantee Fund, deposit guarantee system and forced restructuring (OJ 2017, item 1937, with later amendments)
Google Scholar

Act amending the act on credit unions and certain other acts (OJ 2013, item 613)
Google Scholar

Angkinand A., Whilborg C., Deposit Insurance Coverage, Ownership, and Bank’s Risk-Taking in Emerging Markets, Journal of International Money and Finance, 2010.
Google Scholar

Baudino P., Defina R., Fernandez J.M.R., Hajra K., Walters R., Bank failure management – the role of deposit insurance, BIS FSI Insights on policy implementation 2019 No 17
Google Scholar

Bernet B., Walter S., Design, Structure and Implementation of a Modern Deposit Insurance Scheme, SUERF Studies: 2009/5
Google Scholar

Cull R., Senbet L., Sorge M., Deposit Insurance and Financial Development, Policy Research Working Paper 2001, 2682
Google Scholar

Demirguc-Kunt A., Detragiache E., Does Deposit Insurance Increase Banking System Stability? An Empirical Investigation, Policy Research Working Paper 1999, 2247.
Google Scholar

Demirguc-Kunt A., Kane E., Laeven L., Deposit Insurance Database, IMF Working Paper 2014, WP/14/118
Google Scholar

Dewenter K., Hess A., Brogaard J., Institutions and Deposit Insurance: Empirical Evidence, Journal of Financial Services Research, 2017
Google Scholar

Flejterski S. and Zioło M., A safe and stable banking and financial system as the basis for the development of the economy and society, Zeszyty Naukowe Szkoły Głównej Gospodarstwa Wiejskiego w Warszawie. Ekonomika i Organizacja Gospodarki Żywnościowej 2015 nr 110
Google Scholar

Garcia G., Deposit Insurance: A Survey of Actual and Best Practices, IMF Working Paper 1999, WP/99/54
Google Scholar

Gospodarowicz M., System gwarantowania depozytów z uwzględnieniem indywidualnego ryzyka banku i ryzyka systemowego [Deposit guarantee systems taking into account individual bank risk and systemic risk], Oficyna Wydawnicza Szkoły Głównej Handlowej w Warszawie, Warszawa2015.
Google Scholar

Gropp R., Vesala J., Deposit Insurance, Moral Hazard and Market Monitoring, Working Paper Series 2004, No. 302
Google Scholar

Ioannidou V., de Dreu J., The Impact of explicit Deposit Insurance on Market Discipline, DNB Working Paper, 2006, No. 89
Google Scholar

Jackowicz K., Kozłowski Ł., Kowalewski O., Depositor Discipline Through Interest Costs During Good And Bad Times: The Role Of The Guarantor Of Last Resort, Journal Of Financial Services Research, 2016, 54, Issue 2
Google Scholar

Janc, A., Financial Regulation in Poland In: Kattel R., Kregel J. and Tonveronachi M. (ed.), Financial Regulation in the European Union, Routledge, London 2015
Google Scholar

Kahn Ch., Santos J., Allocating bank regulatory powers: lender of last resort, deposit and supervision, BIS Working Papers 2001 No 102
Google Scholar

Kane E., Demirguc-Kunt A., Deposit Insurance Around the Globe: Where Does It Work?, NBER Working Series, Working Paper 2001, 8493
Google Scholar

Koleśnik J., Pożądany kształt europejskiego, zintegrowanego systemu restrukturyzacji i uporządkowanej likwidacji banków oraz gwarantowania depozytów [Desired shape of the European, integrated system of bank resolution and deposit guarantee] In: Zaleska M. (ed.), Unia bankowa., Difin, Warszawa 2013
Google Scholar

Kozińska M., Ryzyko prawne w zarządzaniu kryzysowym – wnioski z upadłości Banco Popular Espanol [Legal risk in crisis management – conclusions from the Banco Popular Espanol’s collapse], Safe Bank 2017 no. 3 (68)
Google Scholar

Laeven L., The Political economy of Deposit Insurance, World Bank Policy Research Working Paper 2004, 3247
Google Scholar

Pruski J., Szambelańczyk J. , Systemy gwarantowania depozytów w sieciach bezpieczeństwa finansowego na tle konsekwencji globalnego kryzysu finansowego, Safe Bank 2014 no. 4 (57)
Google Scholar

Stelmach A., Zakres działania Bankowego Funduszu Gwarancyjnego [Scope of the Bank Guarantee Fund’s activities] In: Świderska J. (ed.), Współczesny system bankowy. Ujęcie instytucjonalne [Contemporary banking system. Institutional approach], Difin, Warszawa 2013.
Google Scholar

Ślązak E. and Dunaszewska A., Zamiany w unijnych systemach gwarantowania depozytów, dokonane w odpowiedzi na kryzys finansowy [Changes in the EU deposit guarantee schemes implemented as an answer to the financial crisis], „Bezpieczny Bank” 2008 no 2 (37)
Google Scholar

Talley S. H., Mas I., Deposit Insurance in developing countries, Policy Research Working Paper WPS 1990, 548
Google Scholar

Zaleska M., Zmiany zasad gwarantowania depozytów w odpowiedzi na globalny kryzys finansowy [Changes in the rules of deposit guarantees as an answer to the global financial crisis] In: Nowakowski J. (ed.), Instrumenty i regulacje bankowe w czasie kryzysu [Instruments and regulations during crisis], Difin, Warszawa 2010
Google Scholar

Zaleska M., System gwarantowania depozytów [Deposit guarantee systems] In: Zaleska M. (ed.), Świat bankowości [World of Banking], Difin, Warszawa 2018
Google Scholar

Zawadzka P., Zimmerman P. and Sura R., Ustawa o Bankowym Funduszu Gwarancyjnym, systemie gwarantowania depozytów oraz przymusowej restrukturyzacji. Komentarz [Act on the Bank Guarantee Fund, deposit guarantee system and forced restructuring. Comment], C.H. Beck, Warszawa 2017.
Google Scholar

BGF (2014), 2013 Raport roczny Bankowego Funduszu Gwarancyjnego [2013 Annual report of Bank Guarantee Fund]. Retrieved from https://www.bfg.pl/wp-content/uploads/raport-roczny-2013.pdf
Google Scholar

BGF (2015), 2014 Raport roczny Bankowego Funduszu Gwarancyjnego [2014 Annual report of Bank Guarantee Fund]. Retrieved from https://www.bfg.pl/wp-content/uploads/raport-roczny-2014.pdf
Google Scholar

BGF (2016), 2015 Raport roczny Bankowego Funduszu Gwarancyjnego [2015 Annual report of Bank Guarantee Fund]. Retrieved from https://www.bfg.pl/wp-content/uploads/raport-roczny-2015.pdf
Google Scholar

BGF (2017), 2016 Raport roczny Bankowego Funduszu Gwarancyjnego [2016 Annual report of Bank Guarantee Fund]. Retrieved from https://www.bfg.pl/wp-content/uploads/raport-roczny-2016.pdf
Google Scholar

BGF (2018), 2017 Raport Roczny Bankowego Funduszu Gwarancyjnego [2017 Annual report of Bank Guarantee Fund]. Retrieved from https://www.bfg.pl/wp-content/uploads/raport-roczny-2017.pdf
Google Scholar

BGF (2019), 2018 Raport Roczny Bankowego Funduszu Gwarancyjnego [2018 Annual report of Bank Guarantee Fund]. Retrieved from: https://www.bfg.pl/wp-content/uploads/bfg-rr-2018-pl.pdf
Google Scholar

EBA (2019a), Opinion of the European Banking Authority on the eligibility of deposits, coverage level and cooperation between deposit guarantee schemes. Retrieved from: https://eba.europa.eu/taxonomy/term/448
Google Scholar

EBA (2019b), Opinion of the European Banking Authority on deposit guarantee scheme payouts. Retrieved from: https://eba.europa.eu/taxonomy/term/448
Google Scholar

NBP (2017), Financial System in Poland 2016. Retrieved from: http://www.nbp.pl/en/systemfinansowy/fsd_2016.pdf
Google Scholar

NBP (2018), Financial System in Poland 2017. Retrieved from: http://www.nbp.pl/en/systemfinansowy/fsd_2017.pdf
Google Scholar

IADI (2014), IADI Core Principles for Effective Deposit Insurance Systems. Retrieved from: https://www.iadi.org/en/assets/File/Core%20Principles/cprevised2014nov.pdf
Google Scholar

IADI (2018), Deposit Insurance Fund Target Ratio Research Paper. Retrieved from https://www.iadi.org/en/assets/File/IADI_Research_Paper_Deposit_Insurance_Fund_Target_Ratio_July2018.pdf
Google Scholar

IADI (2019), Deposit Insurers’ Role in Contingency Planning and System-wide Crisis Preparedness and Management. Retrieved from: https://www.iadi.org/en/assets/File/Papers/Approved%20Guidance%20Papers/IADI%20Guidance%20Paper_DI%20role%20in%20contingency%20planning%20&%20crisis%20management.pdf
Google Scholar

Fundusz restrukturyzacji banków spółdzielczych (15.02.2019). Retrieved from https://www.bfg.pl/dla-instytucji-finansowych/fundusz-restrukturyzacji-bankow-spoldzielczych/
Google Scholar

Obowiązki informacyjne (19.08.2019). Retrieved from https://www.bfg.pl/dla-instytucji-finansowych/obowiazki-informacyjne/
Google Scholar

Internet websites of deposit guarantee schemes
Google Scholar

Tom 79 Nr 2 (2020)
Opublikowane: 2020-07-09

ISSN: 1429-2939

eISSN: 2544-7068

10.26354

Wydawca

Bankowy Fundusz Gwarancyjny

Licencja CC

Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Na tych samych warunkach 4.0 Międzynarodowe.

Prześlij tekst

-->