Temat: Loans - Katalog OPAC zbiorów

Skocz do pozycji: 1.

Tytuł:: Determinanty generowania kredytów gospodarczych w okresie pokryzysowym na przykładzie polskiego sektora banków spółdzielczych
Autorzy:: Kil, Krzysztof
Miklaszewska, Ewa
Powiązania:: https://bibliotekanauki.pl/articles/630019.pdf
Data publikacji:: 2015
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: cooperative banks, corporate loans, SMEs loans
Opis:: The post-crisis period stressed the role of small, local banks in corporatelending, particularly for SME, due to such their advantages as being based onrelationship banking and extensive knowledge of local market. However, it isstill unclear whether it is a short or long-term advantage. The aim of this paper isto analyze the factors affecting the size and quality of the loan portfolios of thePolish cooperative banks. In the empirical part, the study is based on statisticaldata and panel research, based on individual balance sheet data for the banksaffiliated to the BPS SA. The results confirm that the role of cooperative banksin lending to businesses increases, but also pointed to internal diversity of thesector in this area: growth in loans to the corporate sector was particularly strongfor large banks with strong capital, but also resulted in their declining safety andincreasing bad loans portfolio.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2015, 3, 2; 143-160
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 2.

Tytuł:: Instytucja pożyczkodawcy ostatniej instancji - na przykładzie Międzynarodowego Funduszu Walutowego
Autorzy:: Frankiewicz, Damian
Powiązania:: https://bibliotekanauki.pl/articles/630191.pdf
Data publikacji:: 2016
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: Financial crisis, Financial instruments, Loans
Opis:: A global lender of last resort is an institution that plays a significant role in an international financial system. It was clearly brought into the limelight by the recent financial crisis. The existence of this institution is strongly justified by the volume and volatility of global capital flows, the increasing financial and economic interlinkages between the countries, as well as the consequent possibility of the spill over effects. The article argues that the International Monetary Fund appears to be the only international financial institution capable of acting as a global lender of last resort and thus ensuring stability of the international financial system. The IMF has proven useful in providing liquidity support to countries struggling with financial dificulties in recent years. It is equipped with adequate financial resources, lending facilities tailored to address the specific circumstances of its members, highly qualified staff and the coordination capacities at the international level, which are indispensable to forestall the crisis in the global economy
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2016, 4; 167-184
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 3.

Tytuł:: Rynek pożyczek pozabankowych w Polsce w świetle polityki niskich stóp procentowych banku centralnego
Autorzy:: Szelągowska, Anna
Powiązania:: https://bibliotekanauki.pl/articles/630133.pdf
Data publikacji:: 2015
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: payday loans, usury, financial exclusion, low interest rate policy
Opis:: A large part of the society is still financially excluded from social life despitethe era of low or zero interest rates. Banks are not interested in rendering servicesto customers of limited means. In consequence, citizens excluded from the bankingsector are searching for the alternative sources to satisfy their financial needs.Money is supplied by payday loan providers which offer usurious short term loansat prices many times higher than bank prices. The article answers the followingresearch question: Is the payday lending market winning the competition withthe banking sector in Poland and if so, what is the reason in era of historic lowbasic interest rates and incomparably higher total costs of payday loans? Thefollowing research hypothesis was verified in the study: the lack of supervisionover payday loan companies in Poland contributes to usurious exploitation ofthe people excluded by banks, which results in a debt spiral for a considerablesegment of customers.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2015, 3, 1; 119-135
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 4.

Tytuł:: Skuteczność administracyjnej regulacji cen kredytów konsumenckich w obszarze shadow banking w świetle doświadczeń polskich i międzynarodowych.
Effectiveness of Price Regulations of Consumer Loans in the Shadow Banking Area in the Light of Polish and International Experience
Autorzy:: Gębski, Łukasz
Powiązania:: https://bibliotekanauki.pl/articles/1185803.pdf
Data publikacji:: 2018-01-02
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: shadow banking area
microloans
consumer protection
consumer loans
niebankowe instytucje pożyczkowe
mikropożyczki
ochrona konsumentów
kredyty konsumenckie
Opis:: Autor analizuje zmiany regulacyjne na rynku pożyczkowym w Polsce, ze szczególnym uwzględnieniem rozwiązań dotyczących funkcjonowania niebankowych instytucji finansowych, które udzielają krótkoterminowych kredytów konsumenckich (mikropożyczek). Podejmuje próbę oceny ich prawdopodobnej skuteczności w świetle doświadczeń innych państw.
This article concerns the effectiveness of price regulations (the application of the rate cap) in the shadow banking area. The author analyses the situation in Poland and the examples from the selected markets (where this type of regulations was implemented). Taking into account that the main role of the regulator is to ensure the highest possible level of consumer protection in the financial market, by eliminating the negative impact of asymmetries and usury – the effectiveness of proposed solutions stays crucial for all market players. Until 2015 lending activity and market practices related to microloans (payday loans) offered by Non-Banking Financial Institutions in Poland were not regulated. After Amber Gold’s bankruptcy a lot of actions were taken to regulate the consumer finance market including a plan to limit the maximum cost of a consumer loan. All the proposed measures were similar to those implemented in other countries. Examples of regulations from other countries show that too restrictive regulations may have increased financial exclusion, but too liberal/imprecise ones might make them ineffective. Regardless the identified risks, the Polish government decided to apply hard/ restrictive market regulations.
Źródło:: Studia z Polityki Publicznej; 2018, 5, 1(17); 33-47
2391-6389
2719-7131
Pojawia się w:: Studia z Polityki Publicznej
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 5.

Tytuł:: Aktualne zagrożenia stabilności systemu finansowego w Polsce
Autorzy:: Żukowski, Marian
Żukowska, Helena
Powiązania:: https://bibliotekanauki.pl/articles/630070.pdf
Data publikacji:: 2015
Wydawca:: Szkoła Główna Handlowa w Warszawie
Tematy:: financial and banking system, financial stability, loans in Swiss francs,cooperative credit unions, Council on Systemic Risks
Opis:: The stability of financial system is a major component of the economic securityof a state. An active role of state has a significant impact on ensuring the stabilityof financial system. The most important component of ensuring stability ofa financial system is to maintain stability of the banking sector. Stability of financialsystem is necessary for both the economy as a whole, individual sectors andall stakeholders, including individuals as it is a public good. Although the Polishfinancial system is now stable, three recent incidents need detailed examination:operations and the collapse of investment firm Amber Gold, instability on themortgage loans (denominated in Swiss Franc) market and the restructuring ofthe cooperative credit unions. From the financial point of view, the importance ofthese phenomena is marginal but from the public interest point of view it is vital.Therefore, there is a need to study "hybrid" dangers present in the framework ofthe financial system in Poland and to establish the Council on Systemic Risks aswell as to introduce new regulations to ensure safety of deposits. It is also necessaryto educate public about functioning of the financial market.
Źródło:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2015, 3, 4; 43-60
2082-0976
Pojawia się w:: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:: Biblioteka Nauki

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