Browsing by Author "Jaikel-Saborío, Roberto"
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- Evaluación para el establecimiento de un sistema de garantía de depósitos en el sistema financiero costarricenseThe main objective of this document is to evaluate of the impact of the establishment of a deposit insurance system, as it is proposed in the bill that reforms some statements of the Costa Rican Financial System, on the performance of the financial intermediaries. In order to do so, we calculated different liability covers and analyzed them in different scenarios.The main results indicate that in the case of the public banks, a fond like the one proposed in the bill, allows to reduce the net liabilities exposure from 40% to 18% approximately, which means that the contribution that the Government will have to make is reduced considerably; and as a result, the costs that the society must assume in terms of inflation in a situation of a possible financial problem of a public bank is also reduced.In the private banks it exists diversity in the capacity to cover the different liabilities, there are some banks that represent a high weight for the Fond proposed; and in other ones there are no cover problems.The methodology applied constitutes itself a contribution that has to be considered within an early warning system, since it shows indirectly the behavior of the quality of assets and the leverage.