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EN
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.
PL
Problemem badawczym są uwarunkowania podejmowania przez gminy infrastrukturalnych projektów inwestycyjnych oraz czynniki skłaniające je do pozyskiwania dodatkowych (zewnętrznych) środków ich finansowania. W artykule dokonano krytycznej analizy i syntezy prezentowanych w literaturze przedmiotu uwarunkowań doboru źródeł finansowania projektów inwestycyjnych gmin. Na tej podstawie wskazano pięć czynników techniczno-ekonomicznych, mających wyjaśniać decyzje gmin w tym zakresie. Badania empiryczne, zrealizowane w gminach województwa małopolskiego, doprowadziły do wniosku, że wskazywane w literaturze przedmiotu uwarunkowania doboru źródeł finansowania projektów inwestycyjnych gmin nie wyjaśniają w pełni decyzji gmin województwa małopolskiego w tym zakresie. Wniosek taki wskazuje na potrzebę poszerzenia zakresu badania i uwzględniania czynników behawioralnych.
EN
The paper focuses on the problem of financing structure of municipal investments in Poland and factors which prompt municipalities to search for external sources. The study is based on literature review and empirical research based on municipalities from Malopolska Province. The paper focuses on infrastructure investment and takes into consideration behavioural aspects of financial decision making in this area. In the same way the author has attempted to fill the gap in the Polish finance literature which takes into consideration mainly economic and social factors in this scope.
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