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Comments on: Why the price on deposit insurance is too low – at least in the US http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/ The Visible Hand in Economics Wed, 26 Nov 2008 13:03:45 +0000 hourly 1 https://wordpress.org/?v=6.9.4 By: Promoting consumer debt in the US: Should we? « The visible hand in economics http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3534 Wed, 26 Nov 2008 13:03:45 +0000 http://tvhe.wordpress.com/?p=2000#comment-3534 […] – but are they there.  Megan McArdle was able to get hold of a good number of credit cards, and as I noted there seems to be some “throwing of funds” at consumers in LA at […]

]]> By: Key’s speech and credit growth « The visible hand in economics http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3533 Sun, 23 Nov 2008 18:22:53 +0000 http://tvhe.wordpress.com/?p=2000#comment-3533 […] prudent (as lenders and households actually do face the risk associated with there decisions, unlike the US […]

]]> By: Why the price on deposit insurance is too low - at least in the US … | definedebt.com http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3532 Sat, 22 Nov 2008 07:59:38 +0000 http://tvhe.wordpress.com/?p=2000#comment-3532 […] Read the original here […]

]]> By: Why the price on deposit insurance is too low - at least in the US … | fixedinvest.com http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3531 Sat, 22 Nov 2008 06:26:56 +0000 http://tvhe.wordpress.com/?p=2000#comment-3531 […] Go here to see the original […]

]]> By: Why the price on deposit insurance is too low - at least in the US … | debtdeficit.com http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3530 Fri, 21 Nov 2008 19:15:07 +0000 http://tvhe.wordpress.com/?p=2000#comment-3530 […] See the original post […]

]]> By: Insurance Blog » Why the price on deposit insurance is too low - at least in the US … http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3529 Fri, 21 Nov 2008 12:33:26 +0000 http://tvhe.wordpress.com/?p=2000#comment-3529 […] the rest of this great post here […]

]]> By: Matt Nolan http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3528 Thu, 20 Nov 2008 23:50:26 +0000 http://tvhe.wordpress.com/?p=2000#comment-3528 My point is that if the risk premium is set too low then a deposit insurance scheme that is guaranteed by government will lead to excess risk taking.

Adverts that are stating that the new scheme allows them to give large loans without a credit check indicate to me that there is some excessive risk taking going on!

]]> By: John Hunter http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3527 Thu, 20 Nov 2008 23:44:10 +0000 http://tvhe.wordpress.com/?p=2000#comment-3527 I don’t see the connection you are trying to make. Deposit insurance (by which I understand FDIC deposit insurance) doesn’t really related to the lax lending standards or poor savings rate, in my opinion. I agree lax lending standards should be improved not encouraged. I agree banks should not evade sensible regulation of financial instruments and then expect to be bailed out when their gambles fail. I agree the savings in the USA need to be increased dramatically – people have to not just stop living beyond their means but live within their means while including savings for the future. But FDIC insurance is a very good program, that pays for itself, and a wise thing to continue.

]]> By: Kimble http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3526 Thu, 20 Nov 2008 22:12:54 +0000 http://tvhe.wordpress.com/?p=2000#comment-3526 crack is a helluva drug

]]> By: Matt Nolan http://www.tvhe.co.nz/2008/11/21/why-the-price-on-deposit-insurance-is-too-low-at-least-in-the-us/#comment-3525 Thu, 20 Nov 2008 20:59:37 +0000 http://tvhe.wordpress.com/?p=2000#comment-3525 “who sets the parameters for the deposit insurance in the US, the fed/treasury or the politicians?”

I actually know very little about the set up for the US scheme, I was just interested in the comments I was hearing overseas 😛

It would be good to hear from someone who knows, or to look it up – however, Friday’s are too busy to do things like that 😛

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