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Tytuł:
Analiza, szacowanie poziomu i zarządzanie ryzykiem kredytowym
Analysis, Level Estimation and Management of Credit Risk
Autorzy:
Borawska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/1849809.pdf
Data publikacji:
2020-05-12
Wydawca:
Katolicki Uniwersytet Lubelski Jana Pawła II. Towarzystwo Naukowe KUL
Tematy:
kredyt
zdolność kredytowa
ryzyko kredytowe
credit-scoring
strategia kredytowa
monitoring kredytowy
credit
credit capacity
credit risk
credit strategy
credit monitoring
Opis:
Credit risk is an indispensable factor for banks. It means that there is a danger for the borrower not to fulfil his or her liabilities and the conditions of the credit contract, facts that would expose a bank to financial losses. Therefore the constant tendency is to minimise the level of the credit risk. The most important mechanism to reduce the individual risk is to examine the credit capacity of a potential borrower. Now as regards the wallet risk, one most often diversifies the overall credit engagement of the bank. Giving a loan is dependent on the credit capacity of the borrowers, which is understood as the capacity to pay back the loan together with interest in due term. Credit-scoring is a continuous process, thus it is extremely important to monitor borrowers as one of the tools to ensure a proper structure and quality of the credit wallet of the bank. The measurement of credit risk is indispensable during the whole process of crediting, hence also while the credit contract is valid. The grounds of the management of credit risk is the credit policy of the bank. This policy together with the instruments of risk management allow us to effectively manage the risk, a fact that contributes to the bank’s success.
Źródło:
Roczniki Nauk Społecznych; 2006, 34, 3; 169-186
0137-4176
Pojawia się w:
Roczniki Nauk Społecznych
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Etyczne aspekty kredytu
Ethical Aspects of Credit Institution
Autorzy:
Lewicka-Strzałecka, Anna
Powiązania:
https://bibliotekanauki.pl/articles/964224.pdf
Data publikacji:
2010-05-15
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
credit
ethics
Opis:
A financial crisis of 2008 showed a global meaning of ethical dimension of the credit institution because lack of financial subjects’ responsibility is regarded as one of the causes of the world breakdown. The author attempts to reconstruct the role of credit in the society and economy, especially an evolution of its ethical aspects is analysed. It is aimed to catch and understand the phenomenon of responsibility for the effects of this institution activity which proved dramatic more and more often both for individuals and for the whole society.
Źródło:
Annales. Etyka w Życiu Gospodarczym; 2010, 13, 1
1899-2226
2353-4869
Pojawia się w:
Annales. Etyka w Życiu Gospodarczym
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Selected Methods of Credit Risk Evaluation
Wybrane metody szacowania ryzyka kredytowego
Autorzy:
Szczukocka, Agata
Powiązania:
https://bibliotekanauki.pl/articles/904927.pdf
Data publikacji:
2004
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
credit
credit risk
risk methods
default mode
mark to market
Opis:
Over the last few years credit risk and its minimalization have been widely discussed. Therefore the problem of credit risk and methods of its evaluation seem to be quite important. In the article there were presented various models of credit risk using statistic information and they ware shortly characterized. It should be emphasized that the discussed methods in many cases situations can make it easier to take difficult credit decisions.
Źródło:
Acta Universitatis Lodziensis. Folia Oeconomica; 2004, 175
0208-6018
2353-7663
Pojawia się w:
Acta Universitatis Lodziensis. Folia Oeconomica
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Effects of Gender Differentials in Determining Access to Credit and Profitability among Dry Season Farmers in Ogun State, Nigeria
Autorzy:
Oyediji, O.
Ibitoye, O. S.
Oyetunji, P. O.
Powiązania:
https://bibliotekanauki.pl/articles/1076718.pdf
Data publikacji:
2019
Wydawca:
Przedsiębiorstwo Wydawnictw Naukowych Darwin / Scientific Publishing House DARWIN
Tematy:
Gender
agriculture
credit
profitability
Opis:
The study investigated the gender dimensions of access to credit and profitability among dry season farmers in Ogun State, Nigeria. Lack of finance was identified as one of the major problems facing rural farming households in Nigeria. This impedes their productivity and negatively affects their overall standard of living. The study was conducted at Odogbolu Local Government, Ogun State, Nigeria. A multistage stage sampling technique was employed to select 200 respondents. The first stage was the purposive selection of a local government and the second is the random selection of two communities from the local government. The results from the study indicate that 54% of the farmers (of which 38% are male farmers) have access to credit, but that only 14.81% obtained credit from formal sources. The results also showed that there is a disparity between the incomes earned by male and female farmers. While farm size was identified to have a significant effect on profitability for both male and female farmers, access to credit was not significant and could be as a result of misappropriation of funds, lack of technical expertise, market inefficiencies, as well as inconsistent government policies. This study, therefore, recommends that the interest rates given to farmers should be reduce so as to encourage investment, and that government efforts and schemes should consider the inclusion of women so that the gender gap in productivity and income can be greatly reduced.
Źródło:
World News of Natural Sciences; 2019, 24; 157-177
2543-5426
Pojawia się w:
World News of Natural Sciences
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Pecunia pecuniam parere non potest? O pieniądzu kredytowym w Rzymie okresu późnej republiki. Zarys problemu
Pecunia pecuniam parere non potest? On Credit Money in Rome at the Time of the Late Republic. An Outline of the Problem
Autorzy:
Wyrwińska, Karolina
Powiązania:
https://bibliotekanauki.pl/articles/924310.pdf
Data publikacji:
2014
Wydawca:
Uniwersytet Jagielloński. Wydawnictwo Uniwersytetu Jagiellońskiego
Tematy:
credit money
credit
purchase and sale of receivables
bankers
non-cash transactions
Opis:
The deliberations presented in the article have been devoted to the functioning of the institution of “credit money” at the time of the late Roman Republic. In the modern times, the concept of “credit money” refers to receivables which a natural or a legal person is entitled to and which may serve to acquire goods or services. An analysis of the sources from the period of the Late Roman Republic allows one to conclude that the purchase and sale of receivables for the purpose of settling accounts was known to the Romans, and moreover, it allows one to study the phenomenon of the extent of the use of “credit money” during that time. It is particularly Cicero’s “Letters” which indicate that non-cash settlement of transactions was commonly resorted to particularly when using metal coins was difficult or even impossible due to the high value of the negotiated transaction. Taking into consideration the necessity of ensuring security to this type of transactions, it is impossible to ignore the role of bankers as professional intermediaries who were responsible for creating the right conditions enabling one to make payments at a distance
Źródło:
Krakowskie Studia z Historii Państwa i Prawa; 2014, 7, 1; 29-38
2084-4115
2084-4131
Pojawia się w:
Krakowskie Studia z Historii Państwa i Prawa
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Prospects of microlending economic entities of agricultural branch
Perspektywy wykorzystania mikropożyczek w finansowaniu działalności podmiotów sektora rolnego
Autorzy:
Nepochatenko, Olena
Bechko, Petro
Borovyk, Petro
Rybchak, Vitaliy
Powiązania:
https://bibliotekanauki.pl/articles/986933.pdf
Data publikacji:
2014
Wydawca:
Szkoła Główna Gospodarstwa Wiejskiego w Warszawie. Wydawnictwo Szkoły Głównej Gospodarstwa Wiejskiego w Warszawie
Tematy:
microcredit
consumer cooperatives
credit cooperatives
credit
bank lending
tax
burden
concessional loan
Opis:
The article considers state and prospects of microlending economic entities of agricultural branch by credit cooperatives.
Źródło:
Turystyka i Rozwój Regionalny; 2014, 2; 45-52
2353-9178
Pojawia się w:
Turystyka i Rozwój Regionalny
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Przywilej dla kredytobiorców w postaci tzw. wakacji kredytowych w okresie pandemii koronawirusa (COVID-19) – wybrane zagadnienia
Autorzy:
Niczyporuk, Piotr
Powiązania:
https://bibliotekanauki.pl/articles/47399409.pdf
Data publikacji:
2021-12-12
Wydawca:
Uniwersytet Warszawski. Wydawnictwa Uniwersytetu Warszawskiego
Tematy:
credit
bank
the borrower
„credit holidays”
„non-statutory credit holidays”
„statutory credit holidays”
Polish Bank Association
kredyt
kredytobiorca
„wakacje kredytowe”
„pozaustawowe wakacje kredytowe”
„ustawowe wakacje kredytowe”
Związek Banków Polskich
Opis:
The “Credit Holidays ”is quite an interesting institution that has been regulated by law. In the period of the spread of the COVID-19 pandemic, bearing in mind the difficulties in repaying liabilities to banks, initially on the part of the Polish Bank Association and the banks themselves, there were proposals to postpone repayment of principal and interest instalments or principal instalments. In this way, “non-statutory credit holidays” were created, and it was up to the lender and the borrower to specify the necessary contractual changes. As part of the so-called “anti-crisis shields” have been introduced into the legal system. First, the interference of the legislator provides for the possibility of postponing the repayment of credit obligations to entrepreneurs. These regulations introduced the possibility, not the obligation, of applying the “credit holidays” to the bank’s customer. However, it was an effective and desired instrument to help entrepreneurs. Under the so-called “Anti-crisis Shield 4.0”, obligatory “statutory credit holidays” aimed at consumers were introduced. The adopted legal regulations indeed cause some interpretation problems, but undoubtedly this legal institution will be a permanent element of the Polish banking system.
Źródło:
Studia Iuridica; 2021, 88; 267-283
0137-4346
Pojawia się w:
Studia Iuridica
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Rynek kredytowy w Polsce
Credit Market in Poland
Autorzy:
Stolarska, Agnieszka
Powiązania:
https://bibliotekanauki.pl/articles/1835273.pdf
Data publikacji:
2020-05-12
Wydawca:
Katolicki Uniwersytet Lubelski Jana Pawła II. Towarzystwo Naukowe KUL
Tematy:
bank
kredyt
system finansowy
system kredytowy
pieniądz
credit
financial system
credit system
money
Opis:
One of the sources to finance enterprises is credit. The criteria and conditions for banks to give credits affect both the activity of business subjects and their further development. The paper contains an analysis of the situation in the credit market. It is based on the results from a survey conducted by the Department of the Finance System of the National Bank of Poland. The survey encompassed the period between March and April 2005 and was conducted among 24 banks. A consolidation of the bank sector, the increase of the importance of foreign banks, and the establishment of parabank institutions increase competition on the market of financial services. Banks search after methods to elicit information that would help them make decisions. The situation on the credit market affects the functioning of the whole financial system. The majority of banks does not predict changes in credit policy. A change may temper the conditions and criteria on which to give credits. They essentially affect the management of corporate finances. It is also important how banks elicit information about the modes of financing.
Źródło:
Roczniki Nauk Społecznych; 2007, 35, 3; 345-358
0137-4176
Pojawia się w:
Roczniki Nauk Społecznych
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Credit volatility and productivity growth
Autorzy:
Brzozowski, Michał
Powiązania:
https://bibliotekanauki.pl/articles/22446564.pdf
Data publikacji:
2018
Wydawca:
Instytut Badań Gospodarczych
Tematy:
credit
financial cycle
productivity growth
Opis:
Research background: The issues of finance-growth nexus and financial instability have attracted considerable attention, but have been studied in isolation. This paper aims at filling this gap by providing insights into the implications of financial instability for long term productivity growth. Purpose of the article: This paper sheds light on the relationship between credit-to-GDP ratio volatility and the total factor productivity (TFP) growth rate. The impact of systemic banking crises and financial depth on productivity growth is also studied. Methods: The System GMM estimation of panel data for over 100 countries and spanning the period of 1970-2009 is used. The decomposition of credit-to-GDP ratio into trend and cyclical component is performed using the Hodrick-Prescott filter and a regression analysis with country-specific intercepts and slopes. The data on TFP comes from the Penn World Tables database. Findings & Value added: TFP growth is negatively affected by credit volatility, mainly in less technologically advanced countries, while financial depth exerts a negative influence on TFP growth in economies with superior technology. Systemic banking crises and the concomitant credit crunches have a negative impact on productivity growth, regardless of the level of technological development. Moreover, the level of human capital, patents and globalization fuel productivity growth. Macroeconomic instability, measured by the rate of inflation, hampers TFP growth.
Źródło:
Equilibrium. Quarterly Journal of Economics and Economic Policy; 2018, 13, 2; 215-232
1689-765X
2353-3293
Pojawia się w:
Equilibrium. Quarterly Journal of Economics and Economic Policy
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Bezpieczeństwo finansowe przedsiębiorstw w dobie konsolidacji sektora bankowego w Polsce
Financial security enterprise consolidation in the age of the banking sector in Poland
Autorzy:
Stelmarska, Katarzyna
Powiązania:
https://bibliotekanauki.pl/articles/446921.pdf
Data publikacji:
2015
Wydawca:
Mazowiecka Uczelnia Publiczna w Płocku
Tematy:
credit
leasing
financing investment
safety
Opis:
Customers have experienced many banks transformations in the last decade. Changes in the banking sector occurred due to increased profitability and the desire to remain on the market banks whose financial situation has deteriorated. The consolidation of the banking sector leads to innovation and diversification of financial solutions offered to customers. Financial security should have special priority in the area of banking sector transformation. Transformation of the banking sector is going in the right direction, as it contributes to the selection of banks, which in the future will remain the market leaders ready to meet all the expectations of their clients. The main aim of this article is to draw attention to the financial security, which is one of the most important factors for choosing a bank by the trader. The purpose of this article is identification and comparison of selected sources of financing for enterprises in the banking sector and to present the factors that affect the bank choice by customer's. While analyzing the selected sources of financing: loans and leases defining the better form of investment is not easy, as each of the described form has its advantages and disadvantages. The final decision on the choice rests with the entrepreneur, who must determine which solution is more convenient for him. The author also draws attention to the public opinion towards banks. Compared to the last two years, the level of customer confidence in the banking sector is increasing, what means that, despite many changes that have occurred in the last decade, customers are willing to change and are trusting banks.
Źródło:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne; 2015, 2(22); 147-155
1644-888X
Pojawia się w:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Rola banków gwarancyjnych w Niemczech w tworzeniu harmonijnego rozwoju przedsiębiorstw z sektora MŚP
The Role of German Guarantee Banks in Creating Harmonious Development of SME Companies
Autorzy:
Dąbkowska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/36079487.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
banki gwarancyjne
przedsiębiorstwa MŚP
kredyt
gwarancja kredytowa
guarantee banks
SME companies
credit
credit guarantee
Opis:
W artykule podjęto próbę zbadania roli banków gwarancyjnych, których głównym celem działalności jest wspieranie rozwoju konkurencyjności przedsiębiorstw MŚP poprzez umożliwienie im dostępu do kredytowania poprzez udzielone gwarancje i poręczenia kredytowe, w tworzeniu harmonijnego rozwoju przedsiębiorstw tego sektora. Na początku scharakteryzowano banki gwarancyjne oraz ich wartość dodaną dla gospodarki. W części empirycznej, na podstawie danych zaczerpniętych z Verband Deutscher Bürgschaftsbanken e.V. przedstawiono ich udział we wspieraniu rozwoju przedsiębiorstw z sektora MŚP w okresie przed pandemią COVID-19, jak i w jej trakcie. Z przeprowadzonej analizy wynika, że banki gwarancyjne zwiększają efektywność operacyjną i przyczyniają się do zmniejszenia asymetrii informacji, specjalizując się w ocenie kredytowej przedsiębiorstw (bardziej jakościowej, niż ilościowej), a przy tym zmniejszają lukę finansową. Ich działalność oddziałuje pozytywnie również na instytucje kredytowe, bowiem biorą one na siebie dużą część ryzyka. Dzięki ich działalności w Niemczech panuje korzystny klimat do zakładania nowych przedsiębiorstw, których często jedynym kapitałem jest „specjalistyczne know-how”, jak i innowacyjne przedsięwzięcie.
The article attempts to examine the role of guarantee banks, whose main objective is to support the development of the competitiveness of SMEs by enabling them to access credit through the granted guarantee, in creating the harmonious development of enterprises in this sector The first part of the article presents the profile of guarantee banks in Germany and their added value for the economy. In the empirical part, based on data taken from Verband Deutscher Bürgschaftsbanken e.V. their participation in supporting the development of enterprises from the SME sector in the period before and during the COVID-19 pandemic was presented. The analysis shows that guarantee banks increase operational efficiency and contribute to reducing information asymmetry, specializing in credit assessment of enterprises (qualitative rather than quantitative), and at the same time reducing the financial gap. Their activities also have a positive impact on credit institutions, because they take on a large part of the risk. Thanks to their activities, there is a favorable climate in Germany for establishing new enterprises, whose only capital is "specialized know-how" and an innovative venture.
Źródło:
Finanse i Prawo Finansowe; 2023, 4, 40; 23-45
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Economic Exclusion as a Predictor of Cascade Exclusion: A Case Study of Loan Companies in Poland
Autorzy:
Jakubowska-Branicka, Iwona
Grochowski, Mateusz
Powiązania:
https://bibliotekanauki.pl/articles/1790642.pdf
Data publikacji:
2019-12-12
Wydawca:
Polskie Towarzystwo Socjologiczne
Tematy:
social exclusion
inequality
consumers
credit
law
Opis:
This paper discusses the results of two empirical research projects on consumer micro-loans in Poland recently conducted at the Institute of Applied Social Sciences (University of Warsaw) and the Institute of Justice. The text summarizes the main findings of both studies and focuses on their main common thread: the various dimensions of social exclusion among average consumers who enter the loan market. The text argues that individuals who take consumer loans usually experience financial exclusion, which in turn prevents them from obtaining the cheaper credit available from banks. At the same time, by entering the loan market individuals de facto exclude themselves from effective legal protection (from courts and administrative bodies), which should be provided as an element of the rule of law in a democratic state. Building on these premises, the concept of “cascade exclusion” is proposed as an analytical framework for theses on interrelated dimensions of exclusion.
Źródło:
Polish Sociological Review; 2019, 208, 4; 459-476
1231-1413
2657-4276
Pojawia się w:
Polish Sociological Review
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Financial depth and post-2008 change of GDP
Autorzy:
Pietrucha, Jacek
Acedański, Jan
Powiązania:
https://bibliotekanauki.pl/articles/1833822.pdf
Data publikacji:
2017-09-30
Wydawca:
Instytut Badań Gospodarczych
Tematy:
financial development
credit
economic crisis
recession
Opis:
Research background: This paper researches the relationship between financial depth (private credit to GDP ratio) and the subsequent response of GDP to the 2007+ financial crisis.  The prevailing view in the finance-volatility of growth nexus literature is that financial depth reduces production volatility, but this holds true only up to a certain level of financial depth. Another stream of research documents that rapid growth in credit is a financial crisis predictor. Purpose of the article: We ask: did financial depth or its change have any impact on the post-crisis response of the real sector? Methods: Cross-sectional regression, 144 countries. Findings & value added: The post-crisis GDP response corresponds to a change of financial depth prior to the crisis, rather than to the financial depth itself. The increase of financial depth prior to the crisis is statistically significant to the extent of GDP drop; in countries where the credit-to-GDP ratio surged prior to the crisis, the post-crisis response of the real sector was more pronounced. There is no evidence that financial depth negatively affected the extent of the GDP drop after the 2007+ financial crisis; some calculations suggest that the effect is slightly positive (i.e. the collapse was less severe in the countries with higher financial depth). The variables relating to financial depth affected the response of GDP mainly in countries where financial depth is relatively high.
Źródło:
Equilibrium. Quarterly Journal of Economics and Economic Policy; 2017, 12, 3
1689-765X
2353-3293
Pojawia się w:
Equilibrium. Quarterly Journal of Economics and Economic Policy
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion
Autorzy:
Waliszewski, Krzysztof
Cichowicz, Ewa
Gębski, Łukasz
Kliber, Filip
Kubiczek, Jakub
Niedziółka, Paweł
Solarz, Małgorzata
Warchlewska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/19322780.pdf
Data publikacji:
2023
Wydawca:
Instytut Badań Gospodarczych
Tematy:
FinTech
Lendtech
credit
financial exclusion
lending platforms
Opis:
Research background: According to the World Bank (2020), about 60% of adults in developing countries do not use formal financial services. Furthermore, according to the Polish Association of Loan Institutions (2022), about 3 million Poles use loans, most of them obtained online. Among the reasons for more than a decade of growth of interest in the non-bank consumer lending market there are the development of modern technology applications in finance and the establishment of the Lendtech sector. Purpose of the article: The main goal of the paper is to verify the role played by the Lendtech (LT) sector in the consumer credit market in the context of household financial exclusion. The following research questions were asked: Do credit-excluded households take advantage of LT services and, if so, to what extent? What are the behaviours and preferences of those who use consumer credit offered by LT? Do socio-demographic characteristics determine consumer use of loans offered by LT and, if so, what are they? Is the use of loans offered by LT due to credit exclusion or other factors? What action should be taken by participants in the digital consumer loan market interested in its inclusive direction? Methods: The paper uses the following methods: critical analysis of the literature, Kruskal-Wallis test, Mann-Whitney test, and nonparametric regression algorithm: k-nearest neighbors, as well as inductive inference methods. The data used is primary in nature and comes from a nationwide survey, September 2022 (CAWI method) of 1,200 Poles, of whom 200 respondents are Lendtech customers. The quota selection applied made it possible to reflect characteristics corresponding to the population of customers of lending institutions registered in BIK databases. Findings & value added: The article is a pioneering study based on an independent scientific survey, devoted to the Polish LT services market considered in terms of its relationship with one of the types of financial exclusion: credit exclusion. The most important conclusion is that people at risk of credit exclusion find a financing substitute in the LT sector, and thus it plays an important role in reducing financial exclusion, while maintaining the principle of creditworthiness verification.
Źródło:
Oeconomia Copernicana; 2023, 14, 2; 609-643
2083-1277
Pojawia się w:
Oeconomia Copernicana
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Credit activities of cooperative banks in Poland
Działalność kredytowa banków spółdzielczych w Polsce
Autorzy:
Bieniasz, A.
Krysztofiak, P.
Powiązania:
https://bibliotekanauki.pl/articles/43375.pdf
Data publikacji:
2017
Wydawca:
Uniwersytet Przyrodniczy w Poznaniu. Wydawnictwo Uczelniane
Tematy:
credit
cooperative bank
non-performing loan
Polska
Opis:
The aim of the study was to analyze the lending activities of cooperative banks in Poland in the years 2010– 2014, in a size of banks. Elaboration is a review, based on the data of the Polish Financial Supervision Authority. Research indicates that the value of own funds of the cooperative banks was reflected in both the volume of lending, and in the structure of loans. Banks with capital of 5 million euro loans for primarily farmers, individuals, and individual entrepreneurs. In turn, the banks with capital of more than 5 million euro were most involved in the financing of small and medium enterprises and individual farmers. Regardless of the size of banks, the most important in lending loans were investment and operating.
Celem pracy była analiza działalności kredytowej banków spółdzielczych w Polsce w latach 2010–2014, w układzie wielkości banków wyznaczonej przez wartość funduszy własnych. Opracowanie ma charakter przeglądowy, oparty na danych Komisji Nadzoru Finansowego. Przeprowadzone badania wskazują, że wartość funduszy własnych banków spółdzielczych przekładała się zarówno na wielkość akcji kredytowej, jak i na strukturę kredytów według podmiotów. Banki o kapitałach do 5 mln euro w największym stopniu kredytowały rolników indywidualnych, osoby prywatne oraz przedsiębiorców indywidualnych. Z kolei banki o kapitałach powyżej 5 mln euro najbardziej zaangażowane były w kredytowanie małych i średnich przedsiębiorstw oraz rolników indywidualnych. Niezależnie od wielkości banków największe znaczenie w akcji kredytowej miały kredyty inwestycyjne i operacyjne, a największe problemy z obsługą zadłużenia miały duże przedsiębiorstwa, firmy z sektora MSP oraz przedsiębiorcy indywidualni.
Źródło:
Journal of Agribusiness and Rural Development; 2017, 43, 1
1899-5241
Pojawia się w:
Journal of Agribusiness and Rural Development
Dostawca treści:
Biblioteka Nauki
Artykuł

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