Autor: Penczar, Marta - Katalog OPAC zbiorów

Skocz do pozycji: 1.

Tytuł:: Consumer characteristics with regard to choosing between fixed and adjustable interest rates in mortgage contracts
Autorzy:: Penczar, Marta
Powiązania:: https://bibliotekanauki.pl/articles/485268.pdf
Data publikacji:: 2017
Wydawca:: Bankowy Fundusz Gwarancyjny
Tematy:: fixed-rate mortgages
FRMs
adjustable-rate mortgages
ARMs
consumer preferences
Opis:: The main purpose of the article is to analyse the most important borrower characteristics determining preferences in the choice of the interest rate formula in mortgage contracts. Based on the PFSA statistics, the portfolio of newly-issued mortgages in 2016 was analysed to identify a group of consumers corresponding to the borrower characteristics who, in the light of European and global research, would be willing or obliged to choose a fixed interest rate. The conducted research shows that in Poland, the scale of the fixed interest rate choice in mortgage contracts is insignificant and represents only 0.2% of total mortgage debt. The analysis allows to identify a group of Polish consumers who should be given an option to choose a fixed rate when signing a mortgage contract. The size of the target group that should get acquainted with the offer of fixed-rate mortgages varies in Poland, depending on the chosen borrower characteristics. On the basis of the research, however, it can be incurred that in about 20% of the concluded contracts, there should be an option to choose the interest rate formula.
Źródło:: Bezpieczny Bank; 2017, 4 (69); 131-146
1429-2939
Pojawia się w:: Bezpieczny Bank
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 2.

Tytuł:: Macroeconomic Challenges and Forecasts for Poland (Expert Opinion of the European Financial Congress)
Makroekonomiczne wyzwania i prognozy dla Polski (ekspertyza Europejskiego Kongresu Finansowego)
Autorzy:: Pawłowicz, Leszek
Penczar, Marta
Powiązania:: https://bibliotekanauki.pl/articles/2035097.pdf
Data publikacji:: 2019-02-25
Wydawca:: Bankowy Fundusz Gwarancyjny
Tematy:: Macroeconomic challenges
macroeconomic forecasts
financial stability
Makroekonomiczne prognozy
makroekonomiczne wyzwania
stabilność finansowa
Opis:: Rapid economic developments combined with the considerable volatility of financial markets and the growing importance of non-quantifiable behavioural factors all suggest that expert knowledge should be leveraged to a greater extent in macroeconomic forecasts. The purpose of this article is to present the results of the second edition of the “Macroeconomic Challenges and Forecasts for Poland” project. The survey was conducted in December 2018. The article presents a consensus forecast by EFC experts. In addition to traditional macroeconomic forecasts for Poland, it also lists threats to sustainable economic development and financial system stability together with subjective estimates of their probabilities. Using the knowledge and competence of EFC experts, recommendations concerning economic policy measures have been formulated with the aim of mitigating the future impact of the threats identified.
Szybkie tempo zmiany zjawisk gospodarczych połączonych z dużą zmiennością rynków finansowych oraz wzrostem znaczenia niewymiernych czynników behawioralnych, skłania do szerszego wykorzystania wiedzy eksperckiej w prognozowaniu makroekonomicznym. Celem artykułu jest przedstawienie wyników II edycji projektu pt. Makroekonomiczne wyzwania i prognozy dla Polski. Badanie zostało przeprowadzone w grudniu 2018 roku. W artykule zaprezentowany został konsensus prognostyczny ekspertów EKF. Obok klasycznych prognoz makroekonomicznych dla Polski zawiera zagrożenia dla zrównoważonego rozwoju gospodarczego oraz stabilności systemu finansowego wraz z szacunkami subiektywnego prawdopodobieństwa realizacji. Wykorzystując wiedzę i kompetencje ekspertów EKF sformułowane zostały rekomendowane działania dla polityki gospodarczej, ukierunkowane na osłabienie oddziaływania zidentyfikowanych zagrożeń w przyszłości.
Źródło:: Bezpieczny Bank; 2018, 73, 4; 7-26
1429-2939
Pojawia się w:: Bezpieczny Bank
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 3.

Tytuł:: Has the Stabilizing Nature of Deposits Changed after the Crisis? Impact of Funding Structure on Banks Risk
Autorzy:: Penczar, Marta
Kujawski, Lech
Liszewska, Monika
Powiązania:: https://bibliotekanauki.pl/articles/2191611.pdf
Data publikacji:: 2023
Wydawca:: Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:: bank's risk
funding structure
deposits
Opis:: Theoretical background: The global financial crisis (GFC) has shown the importance of the funding model for the bank’s stability. In this context, deposits were of particular importance as they proved to be a stable source of funding during market turmoil. As a result, many banks have changed the funding model, paying greater attention to financing obtained on the deposits market. Purpose of the article: In this paper, we analyze the impact of funding models on the EU banks’ risk after GFC, i.e. in 2011–2018. We put particular emphasis on the funding structure measured by the deposits to total assets ratio and changes that take place according to the type of institution (i.e. listing status, specialization, and funding model). Research methods: In our research, we use panel data models together with a set of tests that allow us to deduce about properties of proposed models and allow us to analyze the significance of the impact of the bank-specific, macroeconomic, and dummy variables on the bank’s risk. We apply “within”, “fixed time effects” estimator from plm R package. Main findings: We confirm the stabilizing function of deposits, but also the non-linear nature of the impact of the funding structure on the bank’s stability, depending on the bank’s specialization. This means that the stabilizing role of deposits for the bank’s stability is just as important in the post-crisis period as it was during the outbreak of GFC in 2008, although the excessive growth of deposits in some types of banks may, however, lead to an increase in the risk level.
Źródło:: Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2022, 56, 5; 185-205
0459-9586
2449-8513
Pojawia się w:: Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 4.

Tytuł:: EKF macroeconomic consensus: forecasts, threats, opportunities and recommendations
Autorzy:: Pawłowicz, Leszek
Penczar, Marta
Bednarczyk, Teresa
Powiązania:: https://bibliotekanauki.pl/articles/2052149.pdf
Data publikacji:: 2019-12-31
Wydawca:: Bankowy Fundusz Gwarancyjny
Tematy:: macroeconomic forecasts
macroeconomic challenges
financial stability
Opis:: The rapid pace of change in economic phenomena combined with the high volatility of financial markets and the growing importance of irrational behavioral factors, encourages a wider use of expert knowledge in macroeconomic forecasting. The aim of the article is to present the results of the fourth edition of the project Macroeconomic challenges and forecasts for Poland. The survey was conducted in the period November 8, 2019 – December 6, 2019. The article presents the prognostic consensus of experts cooperating with the European Financial Congress. In addition to classic macroeconomic forecasts for Poland, it contains threats to sustainable economic development and financial system stability, together with estimates of the subjective probability of implementation. Using the knowledge and competences of experts cooperating with EKF, recommended actions for economic policy were formulated, aimed at weakening the impact of identified threats in the future.
Źródło:: Bezpieczny Bank; 2019, 77, 4; 110-126
1429-2939
Pojawia się w:: Bezpieczny Bank
Dostawca treści:: Biblioteka Nauki