... to the OECD Report on Enhancing the Role of Competition in the Regulation of Banks, 1997. Santos, Nino, “Financing small, medium and micro enterprises in post conflict situations. Microfinance ... her portfolio of assets held in banks. 15 34. The effect of deposit insurance on the incentives of the bank depends upon the nature of the insurance contract (and also on any other complementary ... to other banks in difficulty, increasing the risk of contagion and removing one of the more important disciplines on bank risk-taking. (c) Third, with technological advances, innovation in...