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Income Preferences and Household Savings

100%
Liberda Z. B.
Gospodarka Narodowa. The Polish Journal of Economics
|
2007
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vol. 218
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issue 9
19-30
EN
In this paper, the author deals with the saving profiles of households in relation to the perception of their subjectively preferred incomes. The author shows that household savings are influenced by a behavioral attitude concerning the evaluation of one’s household income. The variable used in the analysis of household behavior is an income preference ratio constructed by the author. This variable is computed as a ratio of the subjectively preferred income as declared by the household head to the current disposable income of the household. An analysis of the income preference ratio has been conducted with respect to the age and gender of the household head. It shows that women as heads of households generally have lower expectations regarding preferred income and that income preferences vary according to the age of the household head, being the highest at a young age. Household savings are correlated with the level of current disposable income and income preferences. Positive household savings can even be observed among households with very low incomes. Savings rise significantly in households with income higher than “sufficient” and are very high in households with “good” and “very good” income. The results of the analysis show that the income preferences of Polish households tend toward higher income levels than the actual level of disposable income. The propensity to save suggests that the financial condition of Polish households may be better than subjectively perceived and declared by the household head. The subjectively preferred incomes of households positively influence household saving profiles, with the exception of households with “insufficient” incomes. The research is based on 2004 data for 32,000 households from Household Budget Surveys for Poland.
2

Predykcja poziomu oszczędności gospodarstw domowych na podstawie analizy ich wielkości w latach 1999-2008

100%
Nosal-Szczygieł E.
Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie
|
2011
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issue 862
95-116
EN
This paper uses data from the last ten years to analyse the level of household savings in Poland. It includes a comparison of regression analysis and trend analysis. In the regression model, particular attention is paid to gross disposable income, personal consumption, the interest rate, inflation, and real GDP dynamics. In the model based on trend estimation, the prediction of the level of household savings and analysis of the influence of previous savings levels on the present level was made using P.E. Winters’ method.
3
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THE INFLUENCE OF PENSION FUNDS ON THE POLISH CAPITAL MARKET

88%
Karpio A., Żebrowska-Suchodolska D.
Metody Ilościowe w Badaniach Ekonomicznych
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2014
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vol. 15
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issue 1
50-57
EN
Open pension funds have existed on the Polish financial market since 1999. They are institutions which create this market by investing part of their members’ superannuation. So, it is difficult to overestimate their significance from a social point of view. Authors have presented results of quantitative investigations of the share of pension funds in this market from 2001 to 2012. Main attention is concentrated on WSE because pension funds invest in stocks and bonds (government, municipal etc.) listed on the Polish ex-change and these securities are the principal components of their portfolios.
4
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The Capital Markets Union from the perspective of SMEs financing in the EU – expected benefits; constraints and risks

88%
Waliszewski K.
Nauki o Finansach
|
2017
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issue 2(31)
102-116
EN
The article is devoted to the project the Capital Markets Union (CMU) in the EU from the perspective of financing of the small medium enterprises. The EU Capital Markets Union is an important part of the Investment Plan for Europe of the Chairman Jean-Claude Juncker, and its goal is to effectively stimulate economic growth in the EU by increasing the availability of financing for businesses by the capital market and diversification sources of financing. European households are expected to be more active on the capital market by investing in financial instruments of this market. After the Brexit, there may be some difficulties in achieving the objectives since British capital market is the largest one in the EU. However, Brexit may also be a chance to keep the Union together and acceleration of the capital markets unification process. The author characterizes the problem of access to finance for enterprises from the SME sector in the EU. Then, he focuses on the financial markets and the structure and the effect of the Capital Markets Union in the EU. The article is based on a variety of sources, especially documents of the European Commission concerning the Capital Markets Union as well as literature on corporate finance and capital markets
5
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Ubezpieczenia na życie w strukturze oszczędności gospodarstw domowych

75%
Ostrowska-Dankiewicz A. I.
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
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2016
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vol. 50
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issue 4
EN
The article presents the reasons and economic factors inclining households to save, taking into account the theoretical models constituting the foundations of household financial planning, with special emphasis on retirement plans. The author pointed at the role of insurers on the financial market, characterizing the most important life insurance products demonstrating saving features. The review of financial institutions allowed the author to present the level and structure of household savings in Poland and in particular regions of the world, with special attention paid to life insurance and products belonging to pension insurance.
PL
W artykule zaprezentowano motywy i ekonomiczne czynniki skłonności gospodarstw domowych do oszczędzania, z uwzględnieniem teoretycznych modeli stanowiących o podstawach planowania finansowego gospodarstw domowych i z podkreśleniem znaczenia systemów emerytalnych. Wskazano także rolę ubezpieczycieli na rynku finansowym, charakteryzując najistotniejsze ubezpieczeniowe produkty na życie o cechach oszczędnościowych. Na podstawie przeglądu danych instytucji finansowych zaprezentowano poziom i strukturę oszczędności gospodarstw domowych w Polsce, a także z podziałem na regiony świata, ze szczególnym uwzględnieniem miejsca ubezpieczeń na życie i produktów w ramach ubezpieczeń emerytalnych.
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