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N 3). , .: , . // <2> .: . ex-ante ex-ante. , , , . , , ) , , . , . ex-ante . ex-post . ex-post , , . ex-post ( ), , . - , , , ex-post. , . ex-post, - ex-ante. ex- ante , ex-post . 2. , . . ) , ( , . , . , , : PRESSI ( HERSON ) . . . ( ) , , . 3. . , : - ; ; . , , , , , , . , , ( ). . , . ( ( ) ), , , , . , . ( ) , 1 . ., , 1 . . ( . 41 ). . ( ) . FDIC ( Federal Deposit Insurance Corporation Improvement Act of 1991 (P.L. 102 - 242, 105 STAT. 2236)). . 1991 . 30 . . , 2009 . 100 . . . FDIC . FDIC, . , FDIC <1>. -------------------------------- , , , , . , , , . 2004 . N 96- 29 " , ". 4. . , ( ) . , . ( ) , . ( ) )( : ( ( ) ) , . , , . 5. , . <1> , , . , , , , . , , , , , <2>. -------------------------------- Funding of the Financial Services Compensation Scheme. Report prepared for The Financial Services Authority. March 2006. <2> Funding of the Financial Services Compensation Scheme. Report prepared for The Financial Services Authority. March 2006. : PRESSI ( HERSON ) , , , <1>. -------------------------------- <1> Ibid. . Financial Services and Markets Act <1> , , , FSCS , , . , , FSCS , . -------------------------------- § 10. , , , . , , , , . , , , , , , . , <1>. -------------------------------- <1> .: . , . , , , <1>. -------------------------------- <1> .: A Framework for the Guarantee Schemes in the EU... . : - ; - (co-insurance). , . <1>. -------------------------------- <1> Ibid. 3.25. . , <1>. , , , . -------------------------------- <1> Ibid. ( 9) : , . . , , , , , , . . , , , . , , <1>. 2 - " ", <2>. -------------------------------- <1> .: . 250 . . 1 100 : PRESSI ( HERSON ) . 2014 . ., 250 50 . . , . <1>. 100 . <2>. -------------------------------- ( . 4, § I) <1> , 20 . 20 ( 30 . , . , . . . ) 25 . , , : -------------------------------- <1> Directive 97/9/EC of the European Parliament and of the Council of 3 March 1997 on Investor-Compensation Schemes. - 70 . 70 . . , ; 48 ( ) . ( 1988 ., 55 . 2009 .). . , , , , . 20 - 20 . . ). 10 20 , . . , . , , , , , . , . , , , , . 40 , , 20 . <1>. -------------------------------- <1> Description and Assessment of the National Investor Compensation Schemes... , , " , ", , . , . , , , . , ( 10% ) ( , 20 . , ) <1>. -------------------------------- <1> Directive 94/19/EC of the European Parliament and of the Council of 30 May 1994 on Deposit-guarantee Schemes. 15 - 2002 . 11 100- . 100% , 90% , , . 90% . , " " . 100- . :" , , , " <1>. " , " ) . <2>, <3>. -------------------------------- <1> Improvement of Depositors' Protection. Citizens' Summary. <3> .: Improvement of Depositors' Protection. Citizens' Summary. " . 100% 100 , ( , . " 100 ., 400 . - 700 : PRESSI ( HERSON ) . . . ., . ) 90% . 100- ,
