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International Association of Deposit Insurer (IADI)

Explore the core principles, policies, and objectives of the International Association of Deposit Insurers (IADI) and its role in promoting financial safety nets.

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International Association of Deposit Insurer (IADI)

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  1. lgIf]k tyfshf{ ;'/If0f sf]if 8f= b08kfl0f kf}8]n K|fd'vsfo{sf/L clws[t

  2. lgIf]k tyfshf{ ;'/If0f sf]ifsf] ;+lIfKt kl/ro tTsflnglgudxfnsf] sf]if @)#! ;fn cflZjg $ ut] tTsfnLgk|fyldstfk|fKt If]q shf{ ;'/If0f ug{] p2]Zon] g]kfn /fi6« a+}s, /fli6«o jfl0fHo a}+s / g]kfn a}+s lnld6]8sf] z]o/ :jfldTjdfsDkgL P]g, @)@! cGtu{t :yfkgfePsf] xf] . @)&# sf] lgIf]k tyfshf{ ;'/If0f sf]if P]g cg';f/ o:sf] z]o/ :jfldTj / cGo ;+/rgfdf kl/jt{g ePsf] 5 . sf]ifsf] e"ldsfnfO{ k|efjsf/L kfg{] u/L @)$@ ;fndf g]kfn ;/sf/af6 klgk"FhLnufgLul/Psf] xf] .

  3. @)%# ;fndf g]kfn ;/sf/af6 sf]ifsf] sfo{ If]q lj:tf/ u/L lgIf]k ;'/If0f ug{] lhDd]jf/L ;d]t ykug{] lg0f{o eO{ lgudsf] :yfkgfsfnLggfdshf{ ;'/If0f lgudaf6 kl/jt{g u/L lgIf]k tyfshf{ ;'/If0f lgudsf] ?kdfsfo{ ;+rfngub{} cfPsf] lyof] . oBlklgIf]k ;'/If0fsf] sfo{ g]kfn /fi6« a}+saf6 Ohfhtk|fKt a}+s tyfljQLo ;+:yfdf /x]sf] k|fs[ltsJolQmsf] lgIf]k ;''/If0f sfo{ cfly{s jif{ @)^&÷^* b]lv z'? ul/Psf] xf] .

  4. sf]ifsf] P]g International Association of Deposit Insurer (IADI) sf] cGt/f{li6«o core principles cg';f/ kl/dfh{g ug{ g]kfn ;/sf/, ljZj a}+s / DFIDsf] Development Policy CreditcGtu{tsf] ;xof]udflgIf]k ;'/If0f ;DjlGwljb]zL lj1 cfjf;Lo ;Nnfxsf/sf] ?kdf /xL sf]ifsf] P]gsf] ;f]xLcg';f/ kl/dfh{g u/L P]g tof/ ul/Psf]] xf] .

  5. lgIf]k ;'/If0fsf] dxTj / cg'ej lgIf]k aLdf÷;'/If0f ;g\ !(@( sf] Great Depression nfO{ Wofgdf /fvL ;+o'Qm /fHo cd]l/sfn] ;g\ !(## df z'? u/]sf] xf] . lgIf]k ;'/If0fsf] Joj:yfePdfTo:tflgIf]kstf{x?dfljZjf;sf] jftfj/0f /xL a+}s tyfljQLo ;+:yfsdhf]/ ePdfjf lj36g x'g] cj:yfdfklgbank run sf] cj:yfl;h{gfx'b+}g .

  6. lgIf]k ;'/If0fsf] Joj:yfn] ljQLo :yfoLTjsfodug{ ;3fp k'¥ofpF5 . ;g\ !(() sf] pQ/fw{dfePsf] PlzogljQLo ;+s6 / ;g\ @))* sf] ljQLo ;+s6 kZrftlgIf]k ;'/If0fsf] dxTjnfO{ dxz'; u/L ljZjsf w]/} h;f] b]zn] o:tf] sfo{qmdyfngL u/]sf 5g\ .

  7. ;g\ @)!# ;DddfljZj e/LsflgDg ;+Vofsf b]zx?n] lgIf]k ;'/If0fsf] sfo{ ub}{ cfPsf 5g\ M− If]qb]zx?sf] ;+Vof != clk|msf $% @= PlzofKofl;lkms #% #= o'/f]k $^ $= dWok"j{ / ;]G6«n Plzof #) %= j]:6g{ x]ld:km]o/ #$ !() ;|f]t M Kunt, A.D. et al (2014), Deposit Insurance Database, IMF Working Paper, WP/14/118

  8. ;'/If0f ul/g] lgIf]k /sdsf] ;Ldf / ;'/If0f z'NsljleGgd'n'ssf] cy{tGq, ;'/If0f ug{] ;+:yfsf] ljQLo ;|f]t–;fwg, k|ltJolQmcfo / ;/sf/sf] public policy objective cg';f/ lgwf{/0f ug{] ul/G5 . ;'/If0f z'Nshf]vLddfcfwfl/t u/L differential ?kdf / ;j}nfO{ ;fdfg ?kn] flat ?kn] lng] ul/G5 . g]kfndfklgflatz'Nstf]lsPsf] 5 .

  9. sf]ifsf] P]gn] ;d]6]sf ljifoM sf]ifnfO{ d'VotM -s_ lgIf]k ;'/If0f -v_ shf{ ;'/If0f h:tf lhDd]jf/L ;'lDkPsf] 5 . sf]if :yfkgfePsf] $) jif{ ;Ddklgsfg"gL ;+/rgflgdf{0f gx'bfFsfg"gLcefjdfsDkgL P]g cGtu{t ;+:yfks ;b:o ;+Vofsf] sdLsf sf/0f lgudk|fOe]6 lnld6]8sf] ?kdf ;+rfng e}/x]sf] lyof] . lgudsfsfo{nfO{ Jojl:yt / ljZj;gLokfg{ sfg"gsf] ckl/xfo{ cfjZostflyof] .

  10. -s_ lgIf]k ;'/If0fsf ljz]iftfM • ljQLo If]qsf] k|lt:kwf{ a9fpg]Ù • ljQLo ;+s6sf] cj:yfdf ;/sf/sf] k"+hL kl/rfngbfloTjdfsdLNofpg]Ù • hgtfdflgis[o /x]sf]] k"FhL a}+s tyfljQLo ;+:yfdf kl/rflnt u/fpg d2t k'¥ofpg]Ù • lgIf]kstf{sf] lxt ;/+If0f Pj+ ;'/If0f ug{]Ù • ljQLo k|0ffnLdf :yfoLTjNofpg]]Ù • ljQLo ;'/Iff ;+hfndfe'ldsflgefpg] .

  11. -v_ shf{ tyfkz'wg ;'/If0fsf ljz]iftfM • ;'/If0f sfo{n] a}+s tyfljQLo ;+:yfnfO{ ljkGgju{÷If]q / lk5l8Psf] If]qdfnufgLug{ ;'/If0fsf] dfWodåf/f pTk|]/0ff k|bfgug{]Ù • hgtfnfO{ shf{sf] dfWodaf6 /f]huf/÷:j/f]huf/ l;h{gfug{ ;xof]u ug{]Ù • ljQLo k|0ffnLdf :yfoLTjk|bfgug{]Ù • ljkGgju{, lk5l8Psf] If]q / ju{dfljQLokx'Fr k'¥ofpg d2t k'¥ofpg] .

  12. shf{ tyfkz'wg ;'/If0f @)&# cflZjg -?=xhf/df_ -!_ n3'ljQ tyfljkGgju{ shf{ ;'/If0f — #!&)#)& -@_ ;fgftyfdemf}nfpBdshf{ ;'/If0f — $^!!$# -#_ s[lifshf{ ;'/If0f — $%*$&^ -$_ kz'wg ;'/If0f — !*#(^@ ;'/If0f ePsf] hDdf /sd — $,@&,#*,**

  13. lgIf]k ;'/If0f, @)&# cflZjg

  14. sf]ifsf] k"+hL ;+/rgfM Ü lx:;f g]kfn ;/sf/ ?= !&*=$ s/f]8 -*(=!*_ g]kfn /fi6« a+}s ?= @) s/f]8 -!)=))_ g]kfn a}+s lnld6]8 ?= ! s/f]8 -)=%%_ /fli6«o jfl0fHo a}+s ?= )=^ s/f]8 -)=@&_ hDdf?= @ cj{ -!))=))_

  15. gofF P]g cg';f/ -!_ clws[t k"FhL ?= !) ca{ -@_ hf/L÷r'Qmfk"FhL ?= % ca{ z]o/ :jfldTjk|ltzt g]kfn ;/sf/ ()=)) g]kfn /fi6« a}+s !)=)) !))=))

  16. sf]ifn] j}+s tyfljQLo If]qdf /x]sf ! s/f]8 #( nfvhgtfsf] ?=# vj{ #( ca{ lgIf]k ;'/If0f u/]sf] 5 . o:tf] ;'/If0f ul/Psf] lgIf]ksf] ;'/If0f z'Ns ? !)) sf] jflif{s @) k};f÷)=@) k|ltzt /x]sf] 5 . csf{] tkm{ ?= $ cj{ @& s/f]8sf] shf{ / kz'wg ;'/If0f u/]sf] 5 .

  17. o:tf] ;+:yfsf] s'nljQLo ;fwg–;|f]t / ;'/If0f ul/Psf] lgIf]k /sdsf] c'gkftcGt/f{li6«o dfGotfcg'?k % k|ltztx'g'kg{]df sf]ifsf] ljBdfgcj:yf !=# k|ltzteGbfsd /x]sf] 5 . o:nfO{ % k|ltzt k'¥ofpg sf]ifsf] ljQLo ;fwg–;|f]t Ifdtfsl/j ?=!& cj{sf] x'gk'g{] b]lvG5 .

  18. ljQLo If]q ;'/If0f hfnf] (financial safety net) sf] cleGgcËsf] ?kdf /x]sf] lgIf]k ;'/If0f sfo{qmd ;/sf/sf] public policy objective cg';f/ Go"g / dWodjuL{o ;–;fgflgIf]kstf{sf] lxtnfO{ Wofgdf /fvL ;+rfngug{] ul/Psf] xf] . xfnk|fs[ltsJolQmk|ltlgIf]kstf{sf] k|lt a}+s÷ljQLo ;+:yfdf /x]sf] rlNt, art / d'2tL lgIf]kdf u/L ?=@ nfv ;Ddsf] lgIf]k ;'/If0f ug{] ul/Psf] 5 . o:tf] lgIf]k :jb]zLjfljb]zLb'j} d'b|fdfu0fgf ul/g]5 . lgIf]k ;'/If0f ;Ldf kl/jt{g ;ldltsf] l;kmfl/;df g]kfn ;/sf/n] ug{] Joj:yf 5 .

  19. sf]ifsf] ljQLo ;|f]t–;fwg ;an ePsf] v08df ;'/If0f ul/g] /sdsf] ;Ldf / o:df lnOg] ;'/If0f z'Nsk'g/fjnf]sgug{ ;lsg] x'G5 . cGod'n's ;/x sf]ifnfO{ klgJojl:yt ?kdf cuf8L a9fpg / ;j{;fwf/0f lgIf]kstf{sf] ljZjf; lhTgklg o; ;+:yfsf] ljQLo ;|f]tdf ;'wf/ ug'{ kg{] b]lvG5 .

  20. P]gdflgDgljifodfhf]8 lbOPsf] 5M • k"+hL ;+/rgf ;jnagfpg]Ù • ;+rfns ;ldltdfljQLo If]q Pj+ n]vf lj1x?sf] ;+nUgtf ;'lglZrtug]{Ù • ;+rfns ;ldlt / k|d'vsfo{sf/L clws[tsf] sfd, st{Jo / clwsf/sf] :ki6 Joj:yfug]{Ù

  21. lgIf]k / shf{sf] j]Unf j]Un} ljQLo ;fwg / ;|f]tsf] Joj:yfug]{Ù • a}+s tyfljQLo ;+:yf lnlSj8];gdfuPdflgIf]kstf{nfO{ t'?Gtzf]wegf{ lbg] Joj:yfug]{Ù • ;'/If0f ul/Psf] shf{ c;'npk/ x'gg;s]dfjf ;'/If0f ul/Psfkz'wg d[To' jf :yfoL ?kdfcg'TkfbsePdfqmd;Mshf{ k|jfxug{] ;+:yfjfkz'kfnsls;fgnfO{ Ifltk"lt{ lbg]Ù

  22. g]kfn /fi6« a}+s P]gsf] ;+zf]wgljw]osdfePsf] a}+s tyfljQLo ;+:yfresolutionsf] k|s[ofdfuPdfckgfpg] km/–kmf/s, ljQLo lnlSj8];g / lnlSj8];g ;DjGwLJoj:yf;FutfbfTDo /fVgÙ • sf]ifdfljZj a}+s / DFIDsf] ;xof]udf :yfkgfePsf]] cTofw'lgsITJoj:yfsfof{GjogdfNofO{ online ;]jfk|bfgug]{Ù

  23. a}+s tyfljQLo ;+:yf lnSjL8];gdfuPdft'?Gtzf]wegf{sf lglDt sf]ifsf] ljQLo :yLlt / cltl/Qm ;|f]t–;fwg kl/rfngsf] klxrfgug]{Ù • ljQLo k|0ffnLsf] systematic risk x6fpg]Ù • sf]if / g]kfn /fi6« a}+s ljr ;"rgfcfbfg–k|bfg / ;xof]u ug{ MOUe} ;s]s]f 5 .

  24. g]kfn ;/sf/sf] ljQgLlt / g]kfn /fi6« a}+ssf] df}lb|sgLlt;Fu ;'/If0f sfo{qmdnfO{ ;fdfGh:otfsfodug]{Ù • sf]ifsf] ljQLo ;|f]t–;fwgs'g} klg j]nf t/ntfdf kl/0ft ug{ kg{] x'bfF sf]ifsf] nufgLgLltk|ltkmnd'vLeGbf ;'/lIft / t/ntfo'Qm l;4fGtdf cfwfl/t x'g]5 .

  25. P]gsfd'Vo–d'Vok|fjwfgx? o; ljw]osdfsf]ifsf] sfdlgIf]k ;'/If0f / shf{ tyfkz'wg ;'/If0f ul/ @ efudf afl9Psf] 5 . lgIf]k ;'/If0f b:t'/ sf]ifsf] ljQLo ;|f]t–;fwgsf] Ifdtfsf] cfwf/dfclwstd !Ü b]lv Go"gtd )=!Ü ;Ddlng ;Sg] Joj:yful/Psf] 5 . oBlk sf]ifsf] ljQLo ;|f]t–;fwg / ;'/If0f ul/Psf] lgIf]k /sdsf] cg'kft % k|ltztePsf] cj:yfdfdfqGo"gtd -)=!Ü_ df /fVg ;lsg] Joj:yf 5 .

  26. lgIf]k ;'/If0f b:t'/ #÷# dlxgfdfclu|d ?kdflng] Joj:yful/Psf] 5 . sf]ifsf] k+"hL ;+/rgfdf jfl0fHo a}+sx? sf]ifsf] lgIf]k ;'/If0f, shf{ tyfkz'wg ;'/If0fsf ;b:o /xg] sf/0f :jfy{ jflemg] x'FbfgofF P]gdf g]kfn ;/sf/ -()Ü_ / g]kfn /fi6« a+}s -!)Ü_ sf] dfq z]o/ :jfldTj /xg] Joj:yful/Psf] 5 . sf]ifsf] sfd, st{Jo / clwsf/sf] k|i6 Joj:yful/Psf] 5 .

  27. ljnDaz'NsM -s_ Dofb ;dfKtePsf] #) lbg ;Dd ;'/If0f z'Nssf] )=% k|ltzt . -v_ -s_ adf]lhdsf] Dofb ;lsPsf] #) lbg ;Dd !=) k|ltzt, / -u_ -v_ adf]lhdsf] Dofb ;lsPsf] !% lbg ;Dd @=) k|ltzt .

  28. pk/f]Qmcg';f/ tf]lsPsf] cjlwleq ;'/If0f z'Nsga'emfP sf]ifn] lgIf]k ;+sngug{ /f]s nufpg g]kfn /fi6« a}+s ;dIf n]lv k7fpg] / ;f]sf] hfgsf/L cy{ dGqfnonfO{ u/fO{ /fli6«o :t/sf] klqsfdfk|sfzgug]{ . o:tf] cj:yfePsf ;+:yfvf/]hLdfuPdf ;'/If0f ul/Psf] /sdsf] e'QmfgL sf]ifn] lbg]5}g . k|f/lDes of]ubfgjfktgofFv'Ng] ;'/lIft ;b:o ;+:yfn] sf]ifsf] ;b:otf k|df0f kqk|fKtug{sf] nflu k|:tfljtk"FhLsf] )=% k|ltztz'Nsa'emfpg' kg]{ / ;f] aif{sf] jflif{s z'Nsa'emfpg' kg]{ 5}g .

  29. g]kfn /fi6« a}+saf6s'g} ;+:yfvf/]hLdfuO{ ;'/lIftlgIf]k e'QmfgLug{ c;dy{ /x]sf] egL n]lvcfPdftf]lsPsf] k|s[of k'/f u/L Ph]G6 a}+s 5gf}6 u/L To;n] sfdyfn]sf] # dlxgfleqzf]wegf{ lbg] . t/ c;fwf/0f cj:yfdfsf]ifn] @ k6s ;Dd #–# dlxgfggf£g] u/L ;f]wegf{ cjlw a9fpg ;Sg]5 . km]nfgk/]sflgIf]kstf{sf] bfjLe'QmfgLtf]lsPsf] cjlw ;Ddsf]ifn] g]kfn /fi6« a}+sdf 5'§} vftfvf]nL /fVg' kg]{5 .

  30. sf]ifsf] n]vfJoj:yfkgubf{ -s_ lgIf]k / -v_ shf{ ;'/If0f sf]ifsf] 5'§f 5'§} sf]if /flvg] 5 . oL sf]ifdfhDdfx'g] /sdsf] lj:t[t ?kdfpNn]v ul/Psf] 5 . ;'/If0f sf]if cGt/utlgIf]k ;'/If0f hf]vLd sf]ifsf] Joj:yful/Psf] 5 . lgIf]k ;'/If0f ;DalGwk|zf;lgsvr{ ubf{ jflif{s s'nlgIf]k ;'/If0f z'Nssf] @)=) k|ltzteGbf a9L ug{ kfOg] 5}g .

  31. ;dfKt wGojfb

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