Explicit deposit insurance (DI) systems are multiplying rapidly in the developing world. The number of countries offering explicit deposit guarantees surged from twenty in 1980 to eighty-seven by the end of 2003. Although many recent adopters were transition countries of Eastern Europe seeking to comply with the European Union Directive on Deposit Insurance, adopters can be found in every region of the world. This book argues that this is an alarming trend that should not be interpreted as evidence that designing and operating an efficient system are straightforward tasks. To the contrary, the analysis presented in this book confirms that officials in many countries would do well to delay the installation of a deposit insurance system. The message is timely because despite the rise of deposit insurance over the last decades, holdouts—particularly among low-income countries with poor institutional development—still outnumber DI adopters.

在发展中国家，显性存款保险（DI）系统正在迅速增长。提供明确存款担保的国家从1980年的20个激增到2003年底的87个。尽管东欧地区的许多收养者都遵守了欧洲联盟的指令。这本书认为，这是一个令人震惊的趋势，不应被解释为设计和运行一个有效的系统是直接的任务的证据。相反，本书中的分析证实，许多国家的官员最好推迟存款保险制度的安装。这一信息是及时的，因为尽管存款保险在过去几十年里兴起了，但在机构发展不佳的低收入国家，持币者的数量仍然超过了存款保险的采用者。