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EN
The paper analyzes changes in the level of uncertainty among households that can be observed in their assessments and forecasts of both their own fi nancial situation and the economic condition of the country. To achieve this aim, data from consumer confi dence surveys conducted during the years 1992-2013 was utilized. Over time, as respondents adapted to the new market conditions, they showed less and less uncertainty in both the diagnosis and prognosis of the economic situation in the country. The opposite trend was observed where diagnosing their own fi nancial situation was concerned, as well as in formulating forecasts of household finances.
PL
W artykule dokonano oceny zmian w czasie skłonności do oszczędzania gospodarstw domowych. Ponadto porównano kształtowanie się zamiarów oszczędzania gospodarstw oraz pozostałych podstawowych wskaźników koniunktury konsumenckiej. Analizy zostały przeprowadzone na podstawie danych miesięcznych pochodzących z badań realizowanych przez Główny Urząd Statystyczny oraz Narodowy Bank Polski. Zakres czasowy analiz obejmuje okres od stycznia 2004 r. do czerwca 2013 r. Otrzymane wyniki wskazują na silniejsze oddziaływanie sytuacji finansowej gospodarstwa niż sytuacji ekonomicznej kraju na kształtowanie się skłonności do oszczędzania.
EN
In the article there was made an assessment of changes of households' propensity to save. Moreover a formation of households' intentions to save and the other main indicators of consumer tendency survey were compared. The analyses were conducted on the basis of monthly data which stem from surveys conducted by Central Statistical Office together with National Bank of Poland. The time horizon of the analyses covers the period from January 2004 to June 2013. The results obtained allow to make a statement that the financial situation of household has stronger impact on propensity to save than the economic situation of a country.
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