INTERNATIONAL EXPERIENCE ABOUT STATE MANAGEMENT AND OPERATING MODEL ON DEPOSIT INSURACE

Abstract

A national deposit insurance system is implemented as a safety net for depositors at credit institutions and a significant contributor to financial system’s stability. A deposit insurer’s success is heavily dependent on rigorous management from the State and the deposit insurer’s applied mandate. This paper explores the state management model and operating model of global deposit insurers and seek for connections with Vietnam’s situation, thereby opens up possibility for detecting possible shortcomings and enables the proposition of appropriate solutions to enhance Deposit Insurance of Vietnam’s (DIV) operational efficiency and facilitate the fulfillment of DIV’s objectives and missions