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EN
Banking services is one of the most dynamie markets in Poland. However, the ratę of growth of this market has been inconstant according to the results of quarterly business tendency surveys, which have been conducted by the Marketing Research Department of the Poznań University of Economics sińce 1992. By the end of 1996 progressive inereases for most market indicators were observed. However, sińce then inereases started to be digressive. This tendency towards decreasing ratę of growth was the result of the overall economic situation. During the period tested, there were differences in number, length, and magnitude of the phases of business cycles on the deposit and savings services markets. One can also observe differences in business cycles in the foreign exchange and the Polish zloty services markets.
EN
The article has been focused on the application of the business cycle barometers for predicting the cyclical fluctuations of the two main categories in the banking market in Poland - PLN loans and PLN deposits. The barometers built for the first time for the Polish banking sector are based on sets of indicators, including both quantitative variables (official statistics data) and qualitative (among others derived from the business tendency survey conducted in the banking sector). Among the components of barometers both macro-economic indicators for the whole economy, as well as the variables from the financial sector and other sectors (including industry and trade) were used. The main aim of the article has been an evaluation of the characteristics of various types of composite leading indicators constructed on the basis of differentiated sets of variables. Then an attempt to construct three types of barometers: with the short, medium and long lead was made. In addition, the best composite leading indicators for each reference variable - PLN loans and PLN deposits were chosen.
PL
Poziom nastrojów ekonomicznych ludności stanowi ważną determinantę zachowań rynkowych konsumentów i przekłada się na zmiany aktywności gospodarczej. W artykule podjęto próbę weryfikacji, w jakim stopniu poziom optymizmu konsumentów oddziałuje na postrzeganie jakości usług bankowych. Zostały zastosowane miary statystyki opisowej, testy statystyczne oraz metoda k-średnich należąca do metod analizy skupień. Podstawą analiz są dane z badania ankietowego zrealizowanego wśród klientów banków z obszaru Wielkopolski. Otrzymane wyniki potwierdzają, iż wraz ze spadkiem optymizmu następuje pogorszenie ocen jakości usług bankowych. Poziom optymizmu konsumentów znajduje swoje odzwierciedlenie nie tylko przy formułowaniu ogólnej oceny jakości usług bankowych, ale również przy dokonywaniu oceny poszczególnych elementów jakości usług bankowych. Najwyżej jakość usług bankowych oceniana jest w segmencie o najwyższym poziomie optymizmu, zaś najniżej w segmencie, w którym najsilniejsze są nastroje pesymistyczne.
EN
The level of economic sentiment of the population is an important determinant of market behavior of consumers and results in changes in economic activity. This article attempts to verify the extent to which the level of consumer optimism translates into the perception of the quality of banking services. Measures of descriptive statistics, statistical tests, and k-means method belonging to the cluster analysis methods have been applied. Analysis based on data from a survey conducted among customers of banks from the area of Wielkopolska. The results proved that with a decline in consumer optimism the quality of banking services assesment is getting lower. The level of consumer optimism is reflected not only in formulating an overall assessment of the quality of banking services, but also the assessment of the individual elements of the quality of banking services. The quality of banking services is assessed the highest in the segment with the highest level of optimism and the lowest in the segment in which the strongest is pessimistic sentiment.
EN
Processes of globalization are completely reflected in the world financial market. Mergers and alliances of financial institutions are the indications of these processes. Among others, the world financial corporations define standards in range of serving a customer and a level of provided services. Hence question comes to mind: how Polish banks are prepared and how they do realize systems of quality management? This paper aim is to answer the above question. The basis is the outcome of Polish-wide research, in which 295 managers of banks took participation. This research showed, that realization phase of system of quality management was evaluated better than phase of its preparation. It is possible to ascertain simultaneously, that Polish banks are not fully prepared for coping with demands of global financial market.
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