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EN
A large amount of road accidents recorded in Poland and consequently an increasing number of the death and juries are the justifications of the claim that this problem is a significant threat to public health and social issue of ever greater importance. Therefore compensation of personal injuries caused by road accidents based on compulsory third party liability insurance of motor vehicle owners came into considerable prominence. This paper aims at analysing how compensation agencies are caring out the claiming process of the damages for those directly and indirectly injured in road accidents.
EN
The article outlines the concept of enhanced business reporting, which is based on disclosing additional information in corporate reports. The information is meant to create background for obligatorily presented financial data, what should result in better decisions by shareholders and other stakeholders. Consequently, greater transparency should lead to a more effective capital market and rebuilding public trust in companies' reports. More important, it should result in greater accountability of corporate managers. The author tries to identify the areas, where additional disclosure could have reduced the negative effects of the economic crisis. Furthermore, the article explains what kind of information can be disclosed by companies during crisis, so that the positive effects of greater transparency can be achieved.
EN
The authors present a complex definition of the local authorities activity concept in connec- tion with most common concepts of public finance: the decentralisation of public finance and the decentralisation of local tasks. The authors emphasise the complexity of relations between these concepts and the impact of this complexity of relations in the context of public finance crisis, activities aiming at reduction of discrepancies between regions, etc. The article shows also the need of detailed economic and law analysis and broad, professional discussions, taking into account, as the starting point, the analogy between Poland and Spain.
EN
Banks, insurance companies, investment funds and open retire funds, are main part of finan- cial system. They are called public thrust institutions. Financial situation this institutions describing conditions in national economy. Very important are continues financial analyses his efficiency. In paper were analyzed efficiency of financial institutions with slowing of GDP growth in Poland in 2008, which was cause by world financial crisis. Analysis rate of return the main institutions for years 2006–2008 shows, that result of slowing economy, hit in institutions of capital market: investment funds and retire funds. Banks, insurance companies, and firms manage investment funds and open retire funds, apart lower efficiency, shows net income, cover cost of risk join with running activity.
EN
The paper describes the idea of clients' protection by information and presents requirements regarding the information delivered to bank clients and disclosed publicly. As consumers usually don't have enough professional knowledge, experience and skills to adequately assess financial products offered by banks, the state enforces regulation requiring from banks delivering certain information allowing for such assessment. The paper discusses three groups of such requirements: resulting from banking regulations, included in consumer protection acts and from EU Markets in Financial Instruments Directives (MiFID).
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