- Tytuł:
-
Rynek pracy a rynek kredytów detalicznych
Earnings Conditions of Employment and Retail Credit Market in Poland - Autorzy:
- Gola, Marian
- Powiązania:
- https://bibliotekanauki.pl/articles/585868.pdf
- Data publikacji:
- 2013
- Wydawca:
- Uniwersytet Ekonomiczny w Katowicach
- Tematy:
-
Dochody gospodarstw domowych
Rynek kredytów
Rynek pracy
Zdolność kredytowa
Credit capacity
Credit market
Household income
Labour market - Opis:
- December 2010 proved to be a crucial period for the retail credit market. Implemented at this time the T Recommendation of Financial Supervision Commission determined the drastic limitation of crediting of individuals by standard banking institutions. It was (and actually still is) the result of the need for the banks in the credit assessment using the algorithm minimum levels of household spending, designated primarily through the prism of the so-called minimum of poverty, which is published by the Institute of Labour and Social Affairs. Unfortunately, as indicated the observations and experience, the adoption of this type of solutions contributed to the exclusion of a large part of society, which under the new regulations may not use the services of banks' loan. The reason for this state of affairs is very prosaic - their incomes are too low and basically inadequate to coverage in the context of the "new" household expenditure, not to mention the loan installments. So we must ask the question, therefore, is certainly new regulatory solutions are adapted to the conditions prevailing in the domestic labor market?
- Źródło:
-
Studia Ekonomiczne; 2013, 160; 215-222
2083-8611 - Pojawia się w:
- Studia Ekonomiczne
- Dostawca treści:
- Biblioteka Nauki
Artykuł