___

• Abdullah, S.A.S. and R. Ahmad, (2012), “Deposit Insurance System: An Exposition
• for the Islamic Banks in Malaysia”, International Journal of Social Sciences and
• Humanity Studies, Vol. 4, No. 2, pp. 427-439. 
• Angkinand, Apanard, C. and Wihlborg, (2010), “Deposit Insurance Coverage,
• Ownership and Banks’ Risk Taking in Emerging Markets”, Journal of International
• Money and Finance, Vol. 29, 252-274. 
• Anginer, D, Demirgüç-Kunt, A. and Zhu, M. (2014), “How Does Deposit Insurance
• Affect Bank Risk? Evidence from the Recent Crisis”, Journal of Banking and
• Finance, http://dx.doi.org/10.1016/j.jbankfin.2013.09.013. 
• Aydin, N., Başar M. and Coşkun, M., (2006), Bankacılık Uygulamaları, Anadolu
• Üniversitesi Ya. No. 1711, Eskişehir. 
• Bartholdy, Jan, Glenn W. Boyle and R.D. Stover, (2003), “Deposit Insurance and
• the Risk Premium in Bank Deposit Rates”, Journal of Banking and Finance, Vol. 27, 699-717. 
• Batisse, C., (2001), “Externalities and Local Growth: A Panel Data Analysis Applied
• to Chinese Provinces”, International Conference of the Chinese Economy, Has
• China Become a Market Economy?, May 17-18 2001, France. 
• Beck, T., (2008), “Bank Competition and Financial Stability: Friends or Foes?”,
• World Bank Policy Reseach Working Paper, No. 4656, pp. 1-30. 
• Bossone, B., (2000), “What Makes Banks Special? A Study of Banking, Finance and
• Economic Development”, World Bank Working Papers, No. 2408, pp.1-66. 
• Boyd, J.H and De Nicola, G, (2008), “The Theory of Bank Risk Taking and
• Competition Revisited”, the Journal of Finance, Vol. 60, No. 3, 1329-1343.
• Buttonwood’s Notebook, “Eurozone Crisis: What Does a Guarantee Mean?”, The
• Economist, Mar 19th, 2013,
• www.economist.com/blogs/buttonwood/2013/03/euro-zone-crisis-1 
• Carapella, F. and G. Di Giorgio, (2004), “Deposit Insurance, Institutions and Bank
• Interest Rates”, Transition Studies Review, Vol. 11, no. 3, 77-92. 
• DeLong, G. and Sauncers, A. (2011), “Did The Introduction Of Fixed-Rate Federal
• Deposit Insurance Increase Long-Term Bank Risk-Taking?”, Journal of Financial
• Stability, Vol. 7, pp. 19-25. 
• Demirgüç-Kunt, A. and E. Detragiache, (1999), “Does Deposit Insurance Increase
• Banking System Stability? An Empirical Investigation”, World Bank Policy
• Research Working Paper, No. 2247. 
• Diamond, D.W. and P.H. Dybvig, (1983), “Bank Runs, Deposit Insurance and
• Liquidity”, Journal of Political Economy, Vol. 91, No. 3, pp. 401-419. 
• Enkhbold, E. and Otgonshar, B., (2013), “The Effect of Deposit Insurance on Risk
• Taking in Asian Banks”, Asian Journal of Finance & Accounting, Vol. 5, No. 1, pp. 104-126.
• Gonzalez, F., (2005), “Bank Regulation and Risk-Taking Incentives: An
• International Comparison of Bank Risk”, Journal of Banking & Finance, Vol. 29, pp. 1153-1184. 
• Gropp, R. and Vesela, J. (2004), “Deposit Insurance, Moral Hazard and Market
• Monitoring”, European Central Bank, Working Paper Series, No. 302. 
• Gueyie, J.P. and Lai, V.S. (2003), “ Bank Moral Hazard and the Introduction of
• Official Deposit Insurance in Canada”, International Review of Economics and
• Finance, Vol. 12, pp. 247-273. 
• Huang, D.F. (2005), “The Predictive Power of Capital Adequacy Ratios on Bank
• Risk”, Journal of Contemporary Accounting, Vol. 6, no. 1, pp. 1-22,
• http://www2.tku.edu.tw/~tmax/file/account_72/v6n1-1.pdf. 
• Ioannidou, V.P. and Penas, M.F. (2010), “Deposit Insurance and Bank Risk Taking:
• Evidence from Internal Loan Ratings”, Journal of Financial Intermediation, Vol. 19, 95-115. 
• Keeley, M.C., (1990), “Deposit Insurance, Risk and Market Power in Banking”, The
• American Economic Review, Vol. 80, No. 5, 1183-1200.
• Le, M. (2013), “Deposit Insurance Adoption and Bank Risk-Taking: the Role of
• Leverage”, Paris School of Economics, Working Papers, No. 2013-41. 
• Leaven, L. (2002), “Bank Risk and Deposit Insurance”, The World Bank Economic
• Review, Vol. 16, No. 1, pp. 109-137. 
• Leaven, L. and Levine, R. (2008), “Bank Governance, Regulation and Risk Taking”,
• NBER Working Paper Series, No: 14113. 
• Ng, T.H., Lim, Y.S. and Tan N. L., (2010), “Deposit Insurance and Bank Risks: The
• Case of Malaysia”, European Journal of Economics, Finance and Administrative
• Sciences, Issue 18, 19-27.
• Ninimaki, J-P. (2000), “The Effects of Competition on Banks’ Risk Taking with and
• without Deposit Insurance”, Bank of Finland Discussion Papers, No. 21. 
• Pennacchi, G. (2006), “Deposit Insurance, Bank Regulation and financial System
• Risks”, Journal of Monetary Economics, Vol. 53, pp. 1-30. 
• Silva, N. (2008), “Deposit Insurance, Moral Hazard and The Risk of Runs”, Central
• Bank of Chile Working Papers No. 478.
• Şıklar, İ. (2004), Finansal Ekonomi, Anadolu Üniversitesi Ya., No. 1588, Eskişehir. 
• Yoon, K.H. and Jun, Y.S. (2012), “Deposit Insurance Increase and Risk Taking by
• Banks”, International Research Journal of Finance and Economics, Issue 91. 
• Wheelock, D.C. and Wilson, P.W. (1994), “Can Deposit Insurance Increase the Risk
• of Bank Failure? Some Historical Evidence”, Federal Reserve Bank of St.Louis
• Review, Vol. 76, No. 3, May/June 1994, pp. 57-71. 
• Wu, R-J, and Chi, C-P, (2006), “Competition, Deposit Insurance and Bank Risk
• Taking”, http://centerforpbbefr.rutgers.edu/2006/Paper%202006/16AS02-056
• Chien-Ping%20Chi.pdf.