We examine how the level deposit in

We examine how the level deposit insurance coverage affects bank liquidity. We also test the role
of ownership in the relationship between deposit insurance coverage and bank liquidity. This study
uses quarterly data of Indonesian banks from Q1:2002 - Q2:2008. We argue that the presence of explicit
deposit insurance changes a bank‘s behavior in liquidity management in the form of decreasing
asset liquidity. We find some evidence on the negative impact of deposit insurance coverage on bank
liquidity. However, little is found on the role of ownership structure. The credibility of deposit insurance
system and implicit guarantee are the main policy implications.

Hasil (Bahasa Indonesia) 2:

Kami meneliti bagaimana cakupan asuransi deposito tingkat mempengaruhi likuiditas perbankan. Kami juga menguji peran
kepemilikan dalam hubungan antara cakupan asuransi deposito dan likuiditas perbankan. Penelitian ini
menggunakan data kuartalan bank Indonesia dari Q1: 2002 - Q2: 2008. Kami berpendapat bahwa kehadiran eksplisit
asuransi deposito perubahan perilaku bank dalam pengelolaan likuiditas dalam bentuk penurunan
likuiditas aset. Kami menemukan beberapa bukti tentang dampak negatif dari cakupan asuransi deposito bank
likuiditas. Namun, sedikit yang ditemukan pada peran struktur kepemilikan. Kredibilitas penjaminan simpanan
sistem dan jaminan implisit implikasi kebijakan utama.