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Financial heterogeneity generally refers to differences in the financial environment, which will affect the efficiency and risk of a country’s financial market. This paper describes financial heterogeneity from three aspects: the difference of financial market structure, the difference of financial intervention level and the degree of financial openness, and studies the relationship between financial heterogeneity, deposit insurance coverage and bank risk-taking before and after the 2008 financial crisis, using panel data of 98 market countries. The results show that the nonlinear relationship between bank risk-taking and deposit insurance coverage. This research finds that estimated coefficients’ sign and significance of some variables, such as household saving rate, bank deposit loan spread, their interactions with deposit insurance coverage, and bank credit to bank deposits show cyclical characteristics cross periods.

Do bank risk-taking, deposit insurance and financial heterogeneity change periodically with the financial crisis?