Year 2015, Volume 2 , Issue 3, Pages 0 - 0 2015-09-29

AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS

Aysel GUNDOGDU [1]


Deposit insurance is a crucial regulation for banks which are trust the institutions. This regulation came up with the Great Depression in the United States, our country has also adopted in 1980 with the world. Deposit insurance with a legal basis to be connected to the trust factor, may lead positive as well as negative consequences for banks. The importance of deposit insurance regulation has increased. International Association of Deposit Insurers which has 79 members published Core Principles for Effective Deposit Insurance Systems in 2009. And then in 2014, these principles were decreased to 16 items.  In this paper, It is going to be analyzed deposit insurance system from 1983 to the present in Turkey and to be controlled accornance to the Core Principles For Effective Deposit Insurance Systems. The purpose of this study is to examine of whether these principles of deposit insurance is appropriate for Turkey.
Deposit insurance, banking, regulation, investor, trust
  • Altınok, T.; İlseven, N.; (2010), Mevduat Güvencesi ve Türkiye, Maliye Finans Yazıları, Sayı:86, Yıl:24.
  • Aras, G., Müslümov, A., (2004), Kredi Piyasalarında Asimetrik Bilgi Ve Bankacılık Sistemi Üzerine Etkileri, İktisat
  • İşletme ve Finans Dergisi, Cilt: 19, Sayı: 222. Atik, H. A.; (2004), Finansal Güvenlik Ağının Bir Unsuru Olarak Mevduat Sigortası, Türkiye Kalkınma Bankası A.Ş.
  • Araştırma Müdürlüğü, Ankara. Ayhan, R.; (1997), “Tasarruf Mevduatı Sigorta Fonunun Hukuki Mahiyeti”, Gazi Üniversitesi Hukuk Fakültesi
  • Dergisi, Naci Kınacıoğlu’na Armağan, C.I, Sayı 2, ss.31-40. Ayzit, M.; (2004), Dünyada ve Türkiye’de Mevduat Sigorta Sistemi Uygulamaları, Uzmanlık Yeterlilik Tezi, TCMB
  • Bankacılık ve Finansal Kuruluşlar Genel Müdürlüğü, Ankara. Balaban, E.; Hüseyin, Ç.; (1997), Türkiye İçin Mevduat Sigortası Sistemi Önerisi, İMKB Dergisi, Yıl 1, Sayı 2, ss.1-32.
  • Bank for International Settlements (BIS), (2009), Core Principles for Effective Deposit Insurance Systems, Basel
  • Committee on Banking Supervision, International Association of Deposit Insurers. Battal, A. (2007), Bankacılık Kanunu Şerhi, Seçkin Yayınevi, Ankara, 2. Basım.
  • Beck, T.; (2002), Deposit Insurance As Private Club: Is Germany A Model?, The Quarterly Review of Economics and Finance 42, pp.701–719.
  • Bernet, B.; Walter, S. (2009), Design, Structure And Implementation Of A Modern Deposit Insurance Scheme The European Money and Finance Forum, Vienna.
  • Blair, C. E.; Carns F.; Kushmeider, R. M.; (2006), Instituting A Deposit Insurance System: Why? How?, Journal of
  • Banking Regulation Vol. 8, 1 4–19. Cecchettı S.; Krause, S. (2005), Deposit Insurance And External Finance, Economic Inquiry, Vol. 43, No. 3, pp. 531- 5
  • Chauhan, G. S.; Rastogi, S. K. ; (2013), Can Systemic Risk Shifting of Banks be Checked by Subordinate Debt and Deposit Insurance? A Game Theoretic Approach, International Journal of Economic Perspectives, Volume 7, Issue 4, 30-45.
  • Chernykh, L.; Cole, R. A.; (2011), Does Deposit Insurance Improve Financial Intermediation? Evidence From The Russian Experiment, Journal of Banking & Finance.
  • Chu, K. H., (2011), Deposit Insurance and Banking Stability, Cato Journal, 2011, vol. 31, issue 1, pp. 99-117.
  • Davis, E Philip; Obasi, U. (2009), Deposit Insurance Systems and Bank Risk, Economics and Finance Working Paper
  • Series, Working Paper No. 09-26. Demirgüç-Kunt, A., Karacaovali, B., Laeven, L., (2005) Deposit Insurance Around the World: A Comprehensive
  • Database, World Bank Policy Research Working Paper No. 3628.
  • Demirgüç-Kunt, A., Kane, E., Laeven, L. (2014) Deposit Insurance Database, World Bank Policy Research Working Paper, WP/14/118.
  • Demirguc-Kunt, A., Detragiache, E., (2002) Does Deposit Insurance İncrease Banking System Stability ? An
  • Empirical İnvestigation, Policy Research Working Paper Series 2247.
  • Diamond, D.; Dybvig, P.H., (1983), Bank Runs, Deposit Insurance, and Liquidity, The Journal of Political Economy, Vol. 91, No. 3, pp. 401-419.
  • Dünya Bankası Mevduat Sigortası Veritabanı, http://go.worldbank.org/XU2OVOGZJ0, 23.04.2015
  • Er, S. (2011), Finansal Krizleri Önleme Aracı Olarak Finansal Sektörün Regülasyonu, Mortgage Krizi ve Türkiye,
  • Maliye Dergisi, Sayı 160, ss.307-327. European Commission. (2010), Proposal for a Directive of the European Parliament and of the Council on Deposit
  • Guarantee Schemes, Brussels: European Commission. European Forum of Deposit Insurers, (2006), Deposit Guarantee Systems: EFDI’s First Report, Rome.
  • Financial Stability Board, (2012), Thematic Review on Deposit Insurance Systems Peer Review Report.
  • Financial Stability Forum, (2001), Gudiance For Developing Effective Deposit Insurance Systems, CH-4002 Basel, Switzerland.
  • Fueda I.; Konishi, M.; (2007), Depositors’ Response to Deposit Insurance Reforms: Evidence from Japan, 1990– 2005, Finan Serv Res. 31:101–122.
  • Gillman, M.; (2009), International Deposit Insurance, Journal compilation, Institute of Economic Affairs by
  • Blackwell Publishing, Oxford. Gropp, R., Vesala, J.,(2004), Deposit Insurance, Moral Hazard And Market Monitoring Working Paper Series, No. 30
  • Gündoğdu, A., (2014), Bankacılık Hukuku, Seçkin Yayınevi, Ankara.
  • Hogan, T. L.; Luther, W. J.; (2014), The Explicit Costs of Government Deposit Insurance, Cato Journal, Vol. 34, No.
  • International Association of Deposit Insurers, (2014), Core Principles for Effective Deposit Insurance Systems.
  • Kartal, F.; (2012), Dünyada Mevduat Sigortacılığı ve Türkiye Uygulaması, Eskişehir Osmangazi Üniversitesi Sosyal
  • Bilimler Dergisi, Aralık 2012, 13(2), 107-136.
  • Maysamia, R. C.; Sakellariou, C.; (2008), Financial Liberalization, Deposit Insurance And Bank Stability, Applied
  • Economics Letters, 15, 743–747. Müslümov, A.; (2005), Full Deposit Insurance And The Moral Hazard Problem: The Case Of The Turkish Banking
  • System, Boğaziçi Journal Vol. 19, no. 1-2, pp. 127-144. Özince, E.; (2004), Türkiye’de Mevduat Sigortasında Yeni Yaklaşımlar, Türkiye Bankalar Birliği Konuşması.
  • Quintanilla, B.; Téllez J.; Wolfskill, L. A;. (2011), Bank Risk Fundamentals And Regulatory Discipline In The Mexican
  • Banking Sector, Accounting & Taxatıon, Volume 3, Number 2. Sabourin, J. P., (2007), Finansal İstikrarı Sağlamada Mevduat Sigortacılığının Karşılaştığı Zorluklar, IADI Bölgeler
  • Arası Konferansı, İstanbul. Schich, S.; (2008), Financial Turbulence: Some Lessons Regarding Deposit Insurance, Financial Market Trends, OECD.
  • Tiryaki, G. (2012), Finansal İstikrar ve Bankacılık Düzenlemeleri, Türkiye Bankalar Birliği Yayınları, Yayın No:289, İstanbul.
  • SDIF Annual Report 2012, http://www.tmsf.org.tr/Aspx/kk/ashx/file.ashx?type=1&uploadId=326, 19.04.2015
  • SDIF Annual Report 2012,, http://www.tmsf.org.tr/Aspx/kk/ashx/file.ashx?type=1&uploadId=581, 05.05.2015
  • Tasarruf Mevduatı Sigorta Fonu Resmi Web Sitesi, http://www.tmsf.org.tr/tarihce.tr, 01.03.2015
  • TMSF, (2007), Katılım Bankacılığında Mevduat Sigortası Sistemi ve Türkiye Örneği, Çatı Dergisi, Yıl:2, Sayı:15.
  • Uluslararası Mevduat Sigortacılığı Birliği Resmi Web Sitesi, http://www.iadi.org/di.aspx?id=173, 20.04.2015
  • Zimmermann, H.,, (2013) The Uneasy Promise of Deposit Insurance: Financial Globalization and the Protection of
  • Savers, competition and change, Vol. 17 No. 3, 265–82. 27 Aralık 2005 tarih ve 26036 sayılı Resmi Gazete’de Yayımlanan Tasarruf Mevduatı Sigorta Fonu Kurulunun
  • Çalışma Usul ve Esaslarına İlişkin Yönetmelik 002007 Tarihli ve 26396 Sayılı Resmî Gazete’de Yayımlanan Tasarruf Mevduatı Sigorta Fonu Alacaklarının
  • Takip Ve Tahsiline İlişkin Esas Ve Usuller Hakkında Yönetmelik 2006 Tarihli ve 26339 sayılı Resmi Gazete’de yayımlanan Sigortaya Tabi Mevduat Ve Katılım Fonları İle
  • Tasarruf Mevduatı Sigorta Fonunca Tahsil Olunacak Primlere Dair Yönetmelik
Journal Section Articles
Authors

Author: Aysel GUNDOGDU

Dates

Publication Date : September 29, 2015

Bibtex @ { jefa360738, journal = {Journal of Economics Finance and Accounting}, issn = {}, eissn = {2148-6697}, address = {}, publisher = {PressAcademia}, year = {2015}, volume = {2}, pages = {0 - 0}, doi = {10.17261/Pressacademia.2015312960}, title = {AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS}, key = {cite}, author = {GUNDOGDU, Aysel} }
APA GUNDOGDU, A . (2015). AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS. Journal of Economics Finance and Accounting , 2 (3) , 0-0 . Retrieved from https://dergipark.org.tr/en/pub/jefa/issue/32436/360738
MLA GUNDOGDU, A . "AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS". Journal of Economics Finance and Accounting 2 (2015 ): 0-0 <https://dergipark.org.tr/en/pub/jefa/issue/32436/360738>
Chicago GUNDOGDU, A . "AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS". Journal of Economics Finance and Accounting 2 (2015 ): 0-0
RIS TY - JOUR T1 - AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS AU - Aysel GUNDOGDU Y1 - 2015 PY - 2015 N1 - DO - T2 - Journal of Economics Finance and Accounting JF - Journal JO - JOR SP - 0 EP - 0 VL - 2 IS - 3 SN - -2148-6697 M3 - UR - Y2 - 2020 ER -
EndNote %0 Journal of Economics Finance and Accounting AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS %A Aysel GUNDOGDU %T AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS %D 2015 %J Journal of Economics Finance and Accounting %P -2148-6697 %V 2 %N 3 %R %U
ISNAD GUNDOGDU, Aysel . "AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS". Journal of Economics Finance and Accounting 2 / 3 (September 2015): 0-0 .
AMA GUNDOGDU A . AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS. JEFA. 2015; 2(3): 0-0.
Vancouver GUNDOGDU A . AN ANALYSIS ON DEPOSIT INSURANCE OF TURKISH BANKING SYSTEM BY CORE PRINCIPLES FOR EFFECTIVE DEPOSIT INSURANCE SYSTEMS. Journal of Economics Finance and Accounting. 2015; 2(3): 0-0.