Pojištění vkladů v Evropské unii

• Thesis title in Czech: Pojištění vkladů v Evropské unii
• Thesis title in English: Deposit Insurance in the European Union
• Key words: Pojištění vkladů, pojistný limit, Evropská unie, státní garance, finanční krize, morální hazard.
• English key words: Deposit insurance, coverage limit, European Union, state guarantee, financial crisis, moral hazard.
• Academic year of topic announcement: 2010/2011
• Thesis type: rigorosum thesis
• Thesis language: čeština
• Department: Institute of Economic Studies (23-IES)
• Supervisor: doc. PhDr. Ing. et Ing. Petr Jakubík, Ph.D., Ph.D.
• Author: hidden - assigned by the advisor
• Date of registration: 04.02.2011
• Date of assignment: 04.02.2011
• Date and time of defence: 30.03.2011 14:00
• Venue of defence: IES
• Date of electronic submission: 09.02.2011
• Date of proceeded defence: 30.03.2011
• Opponents: prof. PhDr. Petr Teplý, Ph.D.

References

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Preliminary scope of work

Tato práce se zabývá otázkou, zda nekoordinovaná opatření některých států měnící parametry národních systémů pojištění vkladů zavedená v polovině roku 2008 mohla vést k přesunu vkladů mezi členskými státy Evropské unie. Pozornost je věnována především důsledkům zavedení neomezené výše pojistných limitů a možnému přesunu vkladů do zemí, které je zavedly. Detailně jsou rozebrány změny z podzimu 2008 a novelizovaná Směrnice o pojištění vkladů. Provedená empirická analýza naznačuje vliv zavedených garancí na tempa růstu vkladů v jednotlivých zemích. Práce se dále soustřeďuje na důsledky zavedených opatření a posuzuje možnosti budoucího vývoje.

Preliminary scope of work in English

This thesis examines the question whether uncoordinated steps of some EU states changing their deposit insurance schemes in the middle of 2008 could have led to shifts of deposits among EU countries. The paper deals mainly with changes of the rules which were introduced at the end of year 2008, and concerns with the amended Directive on Deposit Guarantee Schemes. Empirical analysis concentrates on the impact of state guarantees on the deposit grow rate in individual states. In the final part, we discuss the consequences of recent development and possible future progress.