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Copyright of Dilemas Contemporáneos: Educación, Política y Valores is the property of Dilemas Contemporaneos: Educacion, Politica y Valores and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Revista Ciencia Administrativa is the property of Universidad Veracruzana and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

One of the functions of the Financial Institutions Guarantee Fund (Fogafín) is to organize the deposit insurance system. The law states that the insurance premium must be differential or there must be a return system according to the risk of the covered institution. Fogafín decided to adopt a system of additional collection or partial refund of the deposit insurance premium. The purpose of this investigation is to determine if the methodology that Fogafín uses to assess whether the collection or partial refund of the premium is appropriate has change over time. For this, a documentary review of the regulations developed by Fogafín, applicable to credit establishments, was carried out. From this review, it was found that Fogafín initially decided on a system of partial refund of the insurance premium that was based on the credit rating that a risk rating agency granted of the guaranteed financial institution. Then, Fogafín decided on a system of additional collection and partial return of the insurance premium and for this, it adopted the CAMEL or CAMELS methodology, which over time has been adapted to include in the risk assessment of the covered financial entity, for example, some representative indicators of best prudential regulation practices. [ABSTRACT FROM AUTHOR]

This paper analyzes the impact on the Spanish banking system of the European Commission's proposal for a new Directive on Deposit Guarantee Schemes (DGS). To do this, we examine the risk profile of Spanish banks according to the parameters defined by the European Directive over the period 2007-2010. Then we compare the current contributions to the DGS fund with those expected in the proposed system. We conclude that Spanish commercial and saving banks would have been more damaged than credit cooperatives with the implementation of the proposed rules. We also find that most banks increase their contributions to the DGS fund, suggesting a cyclical behavior of the new model. [ABSTRACT FROM AUTHOR]

The important changes taking place in the regulation and supervision of the global financial system have given rise to an important set of measures aimed at increasing its robustness in the medium and long term. Among these, the reform of the deposit guarantee system as a key element of safety nets and, therefore, of global financial stability. The aim of this article is to contribute to the ongoing debate on the reform of international financing of deposit insurance systems, arising from the latest global crisis, and to provide empirical evidence on the quantitative impact that the application of risk-based models of contribution to the Deposit Guarantee Fund would have on Spanish credit unions. [ABSTRACT FROM AUTHOR]

Se presenta un trabajo que trata de analizar las transformaciones de regulación y supervisión en Brasil, básicamente en lo que se refiere a la creación del Fondo (seguro) de depósitos, previsto en la Constitución de 1988, y la implantación de las normas del Acuerdo de Basilea. Se hace un debate teórico respecto a la necesidad de regulación de los sistemas financieros internos para puntualizar cuales son los principales instrumentos modernos de regulación y supervisión a la disposición de diversos países.

Se presenta un ensayo que habla de la reforma bancaria en los Estados Unidos. Se exploran las causas, respuestas y posibles cambios adicionales al sistema bancario. Se habla de la Ley de Mejoramiento del Sistema Federal de Seguro de Depósitos de 1991. Se da una descripción general del sistema de depósito estadounidense y el marco gubernamental que regula y suministra asistencia a las instituciones bancarias y a sus depositantes.