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EN
Cooperation of banking institutions with insurance companies, called bancassurance, along with development has noted a significant problem of improper clients protection in the insurance’s sales system. The article will show the essence of bancassurance, the importance of life insurances, the legal bases for this channel and the protection and rights of clients. The aim of the article is to present and evaluate regulations, currently applying in the polish market, relating to relations with bancassurance customers.
PL
Współpraca instytucji bankowych z zakładami ubezpieczeń, zwana bancassurance, wraz z rozwojem odnotowała istotny problem niewłaściwej ochrony klienta w systemie sprzedaży ubezpieczeń. W pracy zostanie ukazana istota bancassurance, znaczenie ubezpieczeń na życie, podstawy prawne regulujące ten kanał oraz ochrona i prawa klientów. Celem pracy jest przedstawienie i ocena regulacji obecnie obowiązujących na polskim rynku, odnoszących się do relacji z klientami kanału bancassurance.
EN
Many young people tend to present low financial literacy needed to make financial decisions in their self-interest. This problem affects activities related to entrepreneurship as well, concerning limited knowledge of available forms of financing or willingness to run own business overall. Nonetheless, according to the scientific literature and the current state of research, the awareness of the financial literacy importance seems to be growing gradually. This paper is based upon a research of students from Poland and Spain in context of entrepreneurial activities and financial literacy. Connection between those two phenomena is discussed.
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