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Effects of Introduction of Deposit Insurance Caps on Japanese Financial Institutions Mar 02 Product Image

Effects of Introduction of Deposit Insurance Caps on Japanese Financial Institutions Mar 02

  • Published: March 2002
  • Region: Japan
  • Standard & Poors

FEATURED COMPANIES

  • 77 Bank Ltd.
  • Bank of Iwate Ltd.
  • Gunma Bank Ltd.
  • Kagoshima Bank Ltd.
  • Oita Bank Ltd.
  • Shizuoka Bank Ltd.
  • MORE

Abstract
Standard & Poor's does not expect a large-scale immediate shift of funds from deposits to other investment options following the introduction of new limits on deposit insurance protection from April 2002, given continued support to financial institutions by the Japanese government. The new limits will only apply to some deposits from April, and deposits in settlement accounts will continue to be fully protected. Standard & Poor's is concerned, however, that the implementation of deposit protection caps may increase a "flight to quality" among depositors and, in the medium term, financial institutions with weaker credit quality may suffer from deterioration in their funding flexibility. In addition, the managements of financial institutions with stronger credit quality will face challenges in investment options...

Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, READ MORE >

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