Los seguros de depósitos en las cooperativas de crédito: análisis del impacto de un sistema de financiación con primas ajustadas al riesgo.

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]