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PL
Celem artykułu jest zaprezentowanie nowej regulacji prawnej polegającej na utworzeniu przez instytucję kredytową – na bazie istniejącego oddziału tej instytucji w Polsce (przez wniesienie wkładu niepieniężnego składników majątkowych tego oddziału na warunkach określonych w ustawie Prawo bankowe) – banku krajowego, będącego spółką akcyjną.
EN
The aim of the article is to present a new legal regulation that consists in setting up a joint stock bank on the basis of a branch of accredit institution that operates in Poland by means of making a non –cash contribution of the assets of the branch in compliance with the rules determined by the Act on Banking Law.
EN
The concept of a bank-registered mortgage has been shaped in banking practice, case-law and the legal doctrine, as economic activities cover mortgages established on the basis of bank documents certifying that a loan has been granted, without the mortgage being necessarily established in the form of a notarial act as required by the Civil Code. The bank-registered mortgage means a mortgage which has been recorded into land and mortgage registers on the basis of bank documents specified in Article 95 of Banking Law. However, the possibility of mortgage establishment on the basis of a bank document does not excludes the necessity for negotiating a security and for the parties’ concluding an appropriate agreement in this respect, the agreement being the cause of the mortgage establishment. The distinctive feature of the bank-registered mortgage is a bank’s entitlement to apply the simplified basis for recording the mortgage to the benefit of the bank. Thus, compared with other types of mortgages, the only difference is the basis for recording the mortgage into a land and mortgage register; unchanged remains the whole procedure for establishing this restricted property right, for which the registration is just one of the necessary conditions, (not sufficient though). Banks are particularly interested in securing bank loans with mortgages, as such a security ensures that in case of the borrower’s breach of the contract debt due will be entirely covered by money from the sale of the mortgaged property.
EN
The article presents a detailed classification of Monetary Policy Council resolutions as acts of internal law. In the study the attention is focused on monetary policy which is specified by RPP regulation in the form of annual monetary guidelines and complementary acts of the appropriate Council. The RPP Acts of Will were broadened with reflections of political nature of the resolution as a law act as well as the analysis of the relation that occurs between the Council resolution and the Budget formed by the Council of Ministers. The correlation between the two subjects in the economic policy of the country, with the respect for their complete autonomy, is the sign of public finance safety and of the inflationary target realization on the assumed level.
PL
Outsourcing to skuteczne rozwiązanie wpływające na poprawę efektywności jednostek gospodarczych. Szerokie zastosowanie tej koncepcji w praktyce gospodarczej nie ominęło sektora bankowego. Celem artykułu jest przedstawienie koncepcji outsourcingu i jej wpływu na efektywność działania banków komercyjnych w Polsce. Ze względu na szczególny charakter podmiotów bankowych, analiza zastosowania outsourcingu bankowego wymagała odniesienia się do obowiązujących w tym zakresie regulacji prawnych. W dalszej części artykułu przeanalizowano sytuację w bankach komercyjnych pod kątem ilości i zakresu wydzieleń na zewnątrz czynności bankowych, a następnie na podstawie wybranych wskaźników dokonano próby analizy wpływu outsourcingu na efektywność działania banków.
EN
Outsourcing is an efficient tool in management. A broad area of its use in banking, gives measurable benefits. Because of the banking sectors specificity, outsourcing in banking has been very precisely defined by Banking Law. The article presents range of outsourcing use in banks activities. Also commercial banks previous experience in delegation of banking services has been presented.
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