Rynki równoległe zajmują obecnie coraz większą przestrzeń na rynku usług finansowych. Usługi oferowane przez tego typu instytucje przyciągają klientów wysokim oprocentowaniem depozytów oraz, jednak ich działalność opiera się gównie na kredytowaniu. Dostęp do szybkiej gotówki bez zbędnych formalności stwarza łatwo dostępne źródło finansowania dla klientów, którzy z różnych powodów nie mogą skorzystać z oferty na rynku tradycyjnych usług bankowych. Dynamiczny rozwój shadow banking może być przyczyną wielu zagrożeń. Ciemna strefa bankowości stwarza ryzyko wzrostu zadłużenia społeczeństwa, co w efekcie może prowadzić do utraty płynności oraz upadłości konsumenckiej. Brak odpowiednich przepisów regulujących funkcjonowanie podmiotów w szarej strefie bankowej stwarza zagrożenie dla sektora bankowego, dlatego działalność shadow banking należy objąć regulacjami, poddać ścisłej kontroli Komisji Nadzoru Finansowego lub całkowicie wyeliminować z rynku usług finansowych.
EN
Shadow banking is currently taking up more and more space in the financial services market. The services offered by such institutions attract customers with high interest rates on deposits but their business is primarily based on lending. Access to fast cash without unnecessary formalities creates an easily accessible source of financing for customers who for various reasons can not benefit from the offer of traditional banking market. The dynamic development of shadow banking can cause many threats. The dark banking sector poses a risk of increasing public debt, which in turn can lead to liquidity loss and consumer bankruptcy. Lack of adequate provisions regulating the functioning of entities in the shadow banking sector poses a threat to the banking sector, so shadow banking should be regulated, subjected to tight scrutiny by the Financial Supervisory Commission or completely eliminated from the financial services market.
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.
JavaScript is turned off in your web browser. Turn it on to take full advantage of this site, then refresh the page.