id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fbem-29740	Ma, Jiacheng	Impact of Deposit Insurance System on Moral Hazard of Commercial Banks	2025	7	.pdf	application/pdf	6918	237	36	Hoque et al. (2015), in order to empirically test the impact of the establishment of deposit insurance system on moral hazard in commercial banks from different perspectives, selected a total of 378 listed banks in the world as a sample and found that the deposit insurance system incentivizes risk- taking in banks. Deposit insurance systems can protect depositors from losses and the consequences of unsafe and unsound bank operations, but at the same time they can contribute to speculative behavior by banks taking high risks.	cache/fbem-29740.pdf	txt/fbem-29740.txt