The Determinants of the Rate of Insurance Rate

• Main Authors: Feng-Chinag Shen, 沈俸江
• Other Authors: Lihua Li
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/47060198127863246064

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 92 === The goal of this paper is looks for the factors of economic, sources of funding, advanced countries level and bank crisis, to influence the rate of deposit insurance between countries. This paper includes 29 countries that have explicted deposit insurance system and rate, that real interest rate, gross domestic product deflator, domestic credit, real gross domestic product, population and the country level, are influence the rate of deposit insurance by this regression analysis. So, considering the determinants of the rate of deposit insurance must attention the economic index and the interactions relationship. The evidence results when includes the factor of source of funding, that from government had lower rate; includes the factor of advanced country level, that by the interaction influence made the rate higher; includes the factor of banking crisis, that by the countries had banking crisis had higher rate, but the interactions with real interest rate, countries level and source of funding made the deposit insurance rate lower. So, it reflects that the determinants of the rate of deposit insurance depended on its system development and the country growth relations.