Systemy gwarantowania depozytów – konwergencja rozwiązań stosowanych w krajach Unii Europejskiej

One of elements of financial safety net are the deposit insurance systems. The first suggestions about insurance of deposits were mentioned in recommendations of the European Commission 87/63/EEC of 22 December 1986. These recommendations were not compulsory. More strict form of protection of deposit and the base aiming to harmonize the solutions used in deposit insurance systems in the member countries of EU gave Directive 94/19/EC which was changed by Directive 94/19/EC. On 12 July 2010 European Commission introduced the project of a new directive for deep reform of deposit insurance systems. Among others it regulates: level of deposit insurance, range of insurance, period of payments of deposit insurance, the way of financing and using of financial funds.