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EN
The retrospectiwe of human capital conception is observed. The points of view of different scientists on human capital categorie are analised. The analises of wellknown polish, american and european scientists understandings is done. The illustration of influanse of the human education level on his profit in work is provided. This dependents is presented on the his example of USA.
EN
The article presents the results of scientific research concerning the development of a bank product. Particular attention has been paid to a bank loan, its security as well as a loan risk related to the activities of Bank Pekao SA.
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