An interesting result of the study is that very little crosssubsidization would take place between countries when the funds are collected from banks on the ‘polluter pays’ principle, i.e. according to their risks.
A common European deposit insurance scheme would significantly increase the stability of the euro area banking system compared with the current situation in which national funds are responsible for the deposit guarantee. The goal should be that confidence in the secured bank deposits is equally strong throughout the euro area.