TAILIEUCHUNG - Deposit Insurance and Risk Management of the U.S. Banking System: How Much? How Safe? Who Pays?

For a typical family that moves from group to individual coverage with identical benefits, annual premiums will rise by more than $2, The biggest losers in the individual market are those who are less healthy or coping with a chronic illness. Two-thirds of respondents in a recent survey said they found it difficult or impossible to find affordable coverage in the individual The chronically ill aren’t the only ones whose applications for coverage are rejected or whose rates are aggressively raised by insurers; people who don’t consider themselves to be sick, such as women with a history of cesarean section, are treated in the same With premiums rising faster than peoples’ ability to. | Wharton Financial Institutions Center Deposit Insurance and Risk Management of the . Banking System How Much How Safe Who Pays by Andrew Kuritzkes Til Schuermann Scott Weiner 02-02-B The Wharton School University of Pennsylvania The Wharton Financial Institutions Center The Wharton Financial Institutions Center provides a multi-disciplinary research approach to the problems and opportunities facing the financial services industry in its search for competitive excellence. The Center s research focuses on the issues related to managing risk at the firm level as well as ways to improve productivity and performance. The Center fosters the development of a community of faculty visiting scholars and . candidates whose research interests complement and support the mission of the Center. The Center works closely with industry executives and practitioners to ensure that its research is informed by the operating realities and competitive demands facing industry participants as they pursue competitive excellence. Copies of the working papers summarized here are available from the Center. If you would like to learn more about the Center or become a member of our research community please let us know of your interest. Franklin Allen Co-Director Richard J. erring Co-Director The Working Paper Series is made possible by a generous grant from the Alfred P. Sloan Foundation Deposit Insurance and Risk Management of the . Banking System How Much How Safe Who Pays 1 Andrew Kuritzkes Oliver Wyman Company 99 Park Ave. New York NY 10103 akuritzkes@ Til Schuermann2 Federal Reserve Bank of New York 33 Liberty St. New York NY 10045 First Draft July 2000 This Draft April 29 2002 This Print April 29 2002 Scott M. Weiner Oliver Wyman Company 99 Park Ave. New York NY 10103 sweiner@ Abstract We examine the question of deposit insurance through the lens of risk management by addressing three key issues 1 how big should the fund be 2 how should .

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