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EN
The main reasons and motivations which cause the withdrawal of Ukrainian population's money from deposit accounts at bank institutions are examined in the article. The author describes characteristics of savings behavior of Ukrainian citizens during the period of financial crisis. According to data of the 'Tsentr' analytical group opinion poll (2009), the structure of population's savings preferences has not gone through noticeable changes. Obtaining a positive savings experience as bank institutions clients, people keep on considering such form of money savings as the best one. Even the fact that accounts of many Ukrainian depositors have been frozen at some credit and savings banks found on verge of bankruptcy did not ward them off. In such a case, people are disappointed rather in a concrete bank agency than in a hole banking system. The impacts which can attract the population's deposit money to problematical banks after their 'sanation' are also studied in the article. The author carries out an operational classification of motivational structure of population's deposit activity. In particular, the deposit savings of population can serve not only as the mean of resolving both current and future financial problems, but as a kind of stabilizing factor regarding social and psychological state of a concrete person.
Ekonomista
|
2006
|
issue 4
527-549
EN
The relation between the financial sector and the real economy constitutes the decisive factor that governs the way savings and investments create new physical assets and work opportunities. It is shown how the split of savings flow into primary market investments, allocations into secondary markets and to purchases of privatized companies leads to sui generis waste of savings. The author develops the thoughts contained in the book by J. Toporowski (Theories of Financial Disturbance) that had recently been published by Edward Elgar. He reviews, in direct reference to mutual interrelationships between the financial sector and the real economy, the progress made by economic theory since the classics until the recent works by economists of the end of the 20th century. The discussion of the Toporowski's theory of capital market inflation ends the article.
EN
The article tries to present households as subjects functioning at savings and loan market and to analyse the co-relations between chosen saving deposits' determining factors and their scale in Poland.
EN
The article presents changes which occurred in the years 2000-2009 in savings and credits of Polish households registered by Polish National Bank. Particular emphasis is put on changes observed in time of real estates market boom in the years 2006-2008, and on effects of crisis in the years 2008-2009. The main aim of analysis was construction of econometric models describing influence of chosen macroeconomic factors on households' decisions of savings and taking credits in Poland. Therefore statistical analysis of chosen determinants was carried out and single-equation models of deposits and credits were estimated and verified for monthly data. Each model turned out to be numerically and statistically proper and each shows essential impact of taken determinants on analysed phenomena.
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