This article examines the main challenges for achieving regulatory convergence and coordination for depositor preference rules and explicit deposit insurance schemes at the regional level in Asia. The increasing regionalisation and integration of banking activities in Asia, as reflected in initiatives such as the ASEAN Banking Integration Framework, suggest a need for co-operation in the area of depositor protection in order to maximise the benefits of banking integration and achieve regional financial stability. However, the level of integration and financial stability is likely to be limited by national regulatory sovereignty and control over depositor protection mechanisms and the absence of a political commitment for ex ante cost-sharing and burden-sharing at the regional level.

中文翻译：

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存款人优惠和存款保险计划——亚洲监管趋同和监管协调的挑战

本文探讨了在亚洲区域层面实现存款人优惠规则和明确存款保险计划的监管趋同和协调的主要挑战。亚洲银行业活动日益区域化和一体化，正如东盟银行业一体化框架等举措所反映的那样，表明需要在存款人保护领域进行合作，以最大限度地发挥银行业一体化的好处并实现区域金融稳定. 然而，一体化和金融稳定的水平可能会受到国家监管主权和对存款人保护机制的控制以及区域层面缺乏事前成本分担和负担分担的政治承诺的限制。