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Wpływ rekomendacji nadzorczych na kształtowanie się rynku kredytów mieszkaniowych w Polsce

100%

Willmann M.

Nauki o Finansach

2013

issue 1 (14)

204-255

The correct risk identification, its measurement and setting its acceptable level are the basis for credit risk management in every bank, as well as the whole banking system. The last subprime crisis in the USA clearly showed that irresponsible behaviour of market participants may destabilise the financial system, causing serious consequences, both social and economic, not only for the banking system of a particular country, but also for the global financial system. The new areas of risk which are emerging nowadays force local as well as international regulators and supervisors to take serious actions in order to limit this risk and prevent any future crisis. In the following dissertation actions taken by the Polish banking supervisor, concerning mortgage loans, have been analyzed in order to establish the impact they have had on the development of the mortgage market, as well as quality and safety of its credit portfolio for the Polish banking system. The considerations were mostly based on the analysis of supervisory recommendations published by Polish Financial Supervision Authority. They describe good practices in the field of retail credit risk management (Recommendation T) as well as residential mortgage loans and loans secured by mortgage (Recommendation S). The content also includes references to EU regulations.

Zalecenia Komisji Nadzoru Finansowego a skłonność do wypłat dywidend przez banki

63%

Kowerski M.

Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia

2016

vol. 50

issue 4

In the paper there were presented the results of the estimation on the basis of a balanced panel of 9 banks listed on the Warsaw Stock Exchange in the years 1999–2014 probit panel models with random effects which showed that issued from 2009 by Polish Financial Supervision Authority recommendations have a significant impact on reducing the banks’ propensity to pay dividends.

W pracy, korzystając z oszacowanych na podstawie zbilansowanego panelu dziewięciu banków notowanych na Giełdzie Papierów Wartościowych w Warszawie w latach 1999–2014 probitowych modeli panelowych z losowymi efektami, pokazano, że wydawane od 2009 r. przez Komisję Nadzoru Finansowego zalecenia miały istotny wpływ na ograniczenie skłonności banków do wypłat dywidend.

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1 Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia

1 Nauki o Finansach

1 Kowerski M.

1 Willmann M.

1 2016

1 2013

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Wpływ rekomendacji nadzorczych na kształtowanie się rynku kredytów mieszkaniowych w Polsce

Zalecenia Komisji Nadzoru Finansowego a skłonność do wypłat dywidend przez banki