betétbiztosítás

Betétbiztosítás, also known as deposit insurance, is a system designed to protect depositors in the event of a bank or credit union failure. Its primary purpose is to maintain public confidence in the financial system by ensuring that individuals and businesses will not lose their savings if their financial institution becomes insolvent. When a bank fails, a deposit insurance scheme typically steps in to reimburse depositors up to a certain limit for the funds held in their accounts.

The coverage limits and specifics of deposit insurance vary by country. In many jurisdictions, these schemes are managed by government agencies or specialized corporations. The funds for deposit insurance typically come from contributions made by the member financial institutions themselves. This creates a self-funding mechanism that provides a safety net for depositors without directly burdening taxpayers in normal circumstances.

Beyond protecting individual savings, betétbiztosítás plays a crucial role in preventing bank runs. Without such protection, news of a bank's financial distress could trigger a cascade of withdrawals, potentially destabilizing even healthy institutions. By guaranteeing the safety of deposits up to a certain threshold, deposit insurance encourages stability and reduces the likelihood of such panic-driven events. The existence of a robust deposit insurance system is considered a fundamental component of a sound and resilient financial infrastructure.