In late 2003 after two financial crises and many years of deliberation, the Russian Government introduced a deposit insurance scheme (DIS) aimed primarily at protecting the savings of the population. The DIS's stated objectives were to protect the right and legal interests of depositors, to strengthen public confidence in the banking system, and to encourage household savings. Recent official assessments of the scheme have been, at best, partial, have tended to use government statistics and have failed to establish a link between the banking sector outputs and the impact of the DIS. This thesis undertakes a detailed evaluation of the Russian DIS based on a comprehensive analysis of vast literature on deposit insurance schemes globally covering rationales for its establishment and its main features, as well as of the relevant Russian legislation and past attempts at evaluating the Russian DIS which were somewhat patchy. Adopting a cross-sectional, mixed methods approach, the study reports on the findings that emerged from a combination of surveys, interviews and observations conducted at six participating Russian banks in spring 2009. These were supplemented by documentary evidence from the banks and the Russian Deposit Insurance Agency. To facilitate the analysis and interpretation of the data, a theoretical framework was devised, and included a set of success criteria and impact indicators. The results of the analysis indicate that the Russian DIS does not appear to have fully achieved its stated objectives. Irrefutably, the Russian Government failed to establish an effective institutional and regulatory environment which could have enforced uniform provision of information about the DIS to retail depositors. This is evidenced by visible differences among bank practices in relation to the implementation of the DIS. Consequently, as a result of these variations in implementation, the retail depositors’ understanding of the DIS and its perceived impact differs depending on which bank they patronise. This research provides a number of original theoretical, empirical, analytical and methodological contributions

Topic of this diploma thesis is "The legal protection of the exclusive deposit". Attention in the opening chapters is paid to general issues of mining law. Those general issues include history of mining law, sources of legal regulation and basic concepts. Protection tools of exclusive deposit are also included as a general issue. Those tools are divided in groups as conceptual, administrative and legal and economic tools. The thesis then introduces the most important special protection tools of exclusive deposit used at the various stages of its exploitation. Institute called Exploration area ensures protection of exclusive deposit in stage of searching and exploring. Next special protection tool is Protected deposit area, which is an important instrument of territorial protection of the exclusive deposit. This institute prevents complications with mining caused by construction activities. The following chapter presents the institute of Mining area. Function of Mining area is to protect an exclusive deposit, but it also represents authorization to carry out mining activities. Protection of exclusive deposit is ensured by set of rules, which have to be followed when mining. A separate chapter is devoted to the protection of the exclusive deposit while placing buildings. This issue is situated in...

Magister Legum - LLM (Public Law and Jurisprudence) / Zimbabwe is a Southern African country which has witnessed frequent bank collapses in the last two decades. This has eroded consumer and business confidence in the banking sector due to the irreparable financial prejudice suffered by most sectoral consumers. The side effect of this lack of trust in the sector has been the hoarding and preference of cash in most, if not all transactions, as opposed to the use of plastic money. Between April 2015 and March 2016, it is estimated that between US$3 billion and US$7.4 billion was circulating outside the banking system in the informal sector thus exposing the depth of mistrust crippling the banking sector. Together with other factors beyond the scope of this study, it is submitted that this lack of trust and confidence in the sector has contributed to the current cash shortage which, according to Latham and Cohen, has left .a black hole in the financial system that's crushing the rest of the economy'.