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Komputerowa symulacja zmienności rat długoterminowych kredytów w PLN i CHF zaciągniętych w latach 2004-2008

100%

Twardochleb M.

Informatyka Ekonomiczna

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2015

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issue 2(36)

50-59

EN

This paper presents the results of using proprietary simulation software for the analysis of the financial risk associated with long-term taking loans in domestic and foreign currency. The study was conducted for loans in PLN and CHF incurred in different periods characterized by a different situation on the financial markets (significantly different currency exchange rates or interest rates, another entry in the „economic cycle”). The theoretical part of the paper describes basic concepts in long-term loans, and also shows the major assumptions for analyzing financial risks arising from incurring long-term obligations in domestic or foreign currency. In the practical part the assumptions of simulation of volatility of future fixed repayment level for loans taken out in PLN or CHF between 2004 and 2008 were described. The results of simulation along with the calculation of the total amount paid in future periods for analyzed variants of credit were also presented.

2

Legal status of a museum deposit: selected issues

100%

Gwoździewicz-Matan P.

Muzealnictwo

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2022

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vol. 63

47-52

EN

Looking at the issue of museum deposit from a purely ‘normative’ perspective, it can be concluded that the legal status of this group of objects is not clear. Therefore, a question should be asked about the features that distinguish deposits from other objects, in particular those made available for presentation at an exhibition, preparation of an expert opinion or conservation (referred to in museum practice as ‘borrowed’ objects). Deposits have a stronger ‘relationship’ with the museum, in which they were entered in the deposit book, than objects only accepted for exhibition (lent by a third party), but this feature is not directly reflected in the applicable regulation. There is also no specific time limit in the regulations: how long can the ‘ordinary’ lending last, and when it would be appropriate to conclude a deposit agreement. The analysis of museum practice proves that museums use contracts interchangeably referred to as deposit, safekeeping, lending or borrowing. Adopting an incorrect qualification may have certain consequences, and an institutionalized entity, such as a museum, should ensure that the above-mentioned issues are precisely defined and that they use appropriate contracts for specific situations. The considerations contained in the article are based on the applicable legal regulation and concern, inter alia, the consequences of treating the deposit as an element of museum collections, ‘systematizing’ the so-called official deposits and the use of the image of deposits.

3

Refinansowanie kredytów wspierających działania inwestycyjne w programach rewitalizacji

63%

Jadach-Sepioło A.

Problemy Rozwoju Miast

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2014

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issue 4

5-10

PL

Od ponad dwudziestu lat obecna jest w Polsce dyskusja na temat źródeł finansowania procesów rewitalizacji miast. W jej trakcie wielokrotnie postulowano utworzenie funduszy celowych. Dopiero w 2004 r. pojawiła się namiastka systemowego podejścia do finansowania rewitalizacji dzięki środkom unijnym. Politykę rewitalizacyjną zastąpiły wytyczne i metodyki opracowania lokalnych programów rewitalizacji i szybko okazało się, że to sprawność przygotowania wniosków o dofinansowanie determinowała sukces w pozyskaniu środków na rewitalizację. Sytuacja może się zmienić w związku z powstającą Krajową Polityką Miejską, która – wraz z Narodowym Planem Rewitalizacji – ma wprowadzić systemowe rozwiązania w tym zakresie. W tych okolicznościach warto wrócić do pytania, czy polska rewitalizacja może być prowadzona w sposób systemowy bez funduszu celowego na potrzeby rewitalizacji. Celem artykułu jest dyskusja dotychczasowych pomysłów na finansowanie rewitalizacji na poziomie centralnym, a także założeń funduszy rozwoju obszarów miejskich, które funkcjonują w ramach Inicjatywy JESSICA. Jako tłem historycznym posłużono się przedwojennym funduszem rozbudowy miast.

EN

The discussion on the funds for urban regeneration processes has continued in Poland for over twenty years. The most typical approach to support the regeneration, reflected in the subsequent draft of legal acts on the revitalisation, was the creation of special-purpose fund dedicated to cities. None of the proposals was implemented before 2004. However, thanks to the EU funds, the substitute appeared. The guidelines and methodologies concerning eligible costs and measures replaced regeneration policy and, quickly, the beneficiaries found out that quite often the efficiency of the preparation of grant applications determined success in obtaining funds for revitalisation. The situation may change due to the emerging National Urban Policy, which together with the National Regeneration Plan are to introduce a system solution to tackle the problems with urban regeneration in Poland. In these circumstances, it is worth to come back to the question whether Polish regeneration can be carried out in a systematic manner without the special-purpose fund for it. The aim of this paper is to discuss current ideas on revitalisation fund at the central level, as well as assumptions of urban development funds, which operate under the JESSICA initiative. The basic categories analysed are the origin of the sources to support the revitalisation and the rules of their refinancing. For the sake of the historical context the fund for cities’ expansion will be recalled, which operated in a pre-war period in Poland.

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1 Informatyka Ekonomiczna

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1 Gwoździewicz-Matan P.

1 Jadach-Sepioło A.

1 Twardochleb M.

1 2022

1 2015

1 2014

Komputerowa symulacja zmienności rat długoterminowych kredytów w PLN i CHF zaciągniętych w latach 2004-2008

Legal status of a museum deposit: selected issues

Refinansowanie kredytów wspierających działania inwestycyjne w programach rewitalizacji