• but: the amount is arbitrary: why not more than...
    • because: Irish govt. covers all deposits for 2 years
    • because: in the U.S., a similar scheme caps the...
  • because: more depositors will be covered instead of...
  • but: banks may take on even greater...
    • because: banks can make profits with little or no...
The amount covered by HK's Deposit Insurance Scheme should be doubled to $200,000.
  • but: banks may need to pay more in...
  • because: it may prevent a run on banks in times of...
    • but: runs still occur; e.g. on BEA in Sept 2008
    • but: better get money back quickly, so withdraw it
  • because: people will have an incentive to save more...