Deposit insurance

Explicit Deposit insurance is a measure introduced by policy makers in many countries to protect deposits, in full or in part, in the event of a "run" on a bank or banks. The failure of a bank has the potential to trigger a much broader spectrum of harmful events. Deposit insurance systems is one component of a financial system safety net that contributes to the promotion of financial stability. The purpose of deposit insurance varies from one country to another but in most cases they are designed to contribute to financial stability and to protect less financially sophisticated depositors. Deposit insurance institutions are for the most part government run or established, and may or may not be a part of a country's central bank, while some are private entities with government backing or completely private entities.
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Le Fonds de garantie des dépôts a été créé en France par la loi du 25 juin 1999 relative à l’épargne et à la sécurité financière. Il est destiné à indemniser les clients en cas de défaillance de leur banque ou de leur organisme financier ayant adhéré à ce Fonds. Il comprend la garantie des dépôts, dite "garantie espèces"la garantie des titres, dite "garantie titres"la garantie des cautions, dite "garantie cautions".
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Insättningsgaranti innebär att staten garanterar de pengar som personer sätter in på konton i banker och andra finansinstitut. Garantin innebär att den som satt in pengarna skall kunna få tillbaka dem även om banken går i konkurs. En insättningsgaranti har oftast vissa begränsningar i hur stort belopp och vilka typer av konton som skyddas.
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