Неявное страхование вкладов в России после пандемии

Abstract

Implicit deposit insurance is the name given to the cases when citizens prefer allocating deposits within banks with state (government) ownership when the deposit amount exceeds the limit covered by the state deposit insurance system. Implicit deposit insurance has already gained the focus of research attention in Russia, but during the times of pandemics and limited to deposits for the region of Moscow. The current study uses more up-to-date data of 2023-24 and extends the regional coverage to 25 regions of Russia. We evidence that the earlier found U-shaped dependence of the deposit rate premium and the state bank size was inverted. Moreover, we argue that during the times of rising key rate the heterogeneity of implicit deposit insurance premium though present became more homogeneous in terms of sign of the premium than during the times of relatively low-key rate.