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1
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„Za mała, by sfinansjalizować?”. Procesy finansjalizacji i polska gospodarka

100%
Lewicki M.
Prakseologia
|
2014
|
issue 155
125-173
EN
The rise of the financial sector – and alteration of its functions in capitalism – has been discussed not only by economists but also by sociologists and political economists. Financialization is “(…) the increasing role of financial motives, financial markets, financial actors and financial institutions in the operation of the domestic and international economies” (Epstein 2005: 2). It is not a brand new process in sociology. However its scale and nature become an ever more popular element of the current diagnoses. Its main assumption is that crises of capita list economies are not anomalies and their scale is dependent on the (lack of) control according to the market laws. The idea that the form of crises and their scale seem to be even more grave and take into account the interdependencies between national economies is becoming paradigmatic in the social sciences. The analysis starts with a review of financialization theories, proposed in political economy and sociology. I then empirically examine the Polish financial sector of the last 15 years with a particular focus on the role of mortgages.
2
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„Za mała, by sfinansjalizować?”. Procesy finansjalizacji i polska gospodarka

100%
Lewicki M.
Prakseologia
|
2014
|
issue 155
125-173
EN
The rise of the financial sector – and alteration of its functions in capitalism – has been discussed not only by economists but also by sociologists and political economists. Financialization is “(…) the increasing role of financial motives, financial markets, financial actors and financial institutions in the operation of the domestic and international economies” (Epstein 2005: 2). It is not a brand new process in sociology. However its scale and nature become an ever more popular element of the current diagnoses. Its main assumption is that crises of capitalist economies are not anomalies and their scale is dependent on the (lack of) control according to the market laws. The idea that the form of crises and their scale seem to be even more grave and take into account the interdependencies between national economies is becoming paradigmatic in the social sciences. The analysis starts with a review of financialization theories, proposed in political economy and sociology. I then empirically examine the Polish financial sector of the last 15 years with a particular focus on the role of mortgages.
3
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Neoliberalne zniekształcanie źródeł kryzysu. Rzeczywista rola państwa na rynku kredytów hipotecznych

100%
Osiński J.
Prakseologia
|
2010
|
issue 150
35-42
EN
Dogmatic neoliberal claim that “the less state intervention, the better” not only caused the crisis, but also blinds us to its real causes. Neoliberals and parts of the public influenced by them fail to notice that the system of housing credits created during the New Deal era worked well until the financial market was deregulated. While amending this market one should remember the views of Adam Smith, who emphasized the role of both market and the state in guarding values on which capitalism has been built.
4
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Postanowienia Ustawy z dnia 23 marca 2017 r. o kredycie hipotecznym oraz o nadzorze nad pośrednikami kredytu hipotecznego i agentami oraz rekomendacji S Komisji Nadzoru Finansowego a zapobieganie kryzysom bankowości hipotecznej

84%
Fedorowicz M.
Studia Prawa Publicznego
|
2017
|
issue 4 (20)
9-30
EN
On 23 March 2017, the Act on mortgage credit and supervision of mortgage credit intermediaries and agents was passed, which implements Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010. The Act on mortgage credit under examination contains consumer protection standards for mortgage banking services, which can pursue objectives and perform macro-prudential functions in the fi nancial system. The Act also provides for the supervision of mortgage intermediaries and their agents providing mortgage credit services, rightly considering that since this is a matter of macro-prudential substance and capable of having an impact on fi nancial stability, a comprehensive supervision of the activities of mortgage intermediaries and agents is justifi ed. The aim of the study is to (i) examine the provisions of the Act on mortgage credit from the perspective of its macro-prudential content; (ii) reconstruct this potentially macro-prudential content; (iii) assess the regulatory arrangements for credit intermediaries and residential immovable property agents adopted by the Act; and (iv) address the issue, relevant to the theory of fi nancial market law, of the interference between private and public law rules in terms of their macro-prudential content and macro-prudential policy. It is also intended to perform a comparison of the provisions of the Act on mortgage credit with selected recommendations of Recommendation S of the Financial Supervision in order to assess their macro-prudential nature and the appropriateness of the regulatory solutions adopted by means of an act or by means of national soft banking law to which Recommendation S belongs.
5
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Instrumenty finansowe a rynek mieszkaniowy

67%
Główka G.
Problemy Rozwoju Miast
|
2009
|
issue 3
11-26
PL
Popyt na rynku mieszkaniowym kreowany jest głównie przez dostępność środków finansowych, zarówno własnych jak i obcych. Z uwagi jednak na wysoką kapitałochłonność inwestycji mieszkaniowych decydująca rola przypada kredytom i pożyczkom bankowym. To zewnętrzne finansowanie umożliwia realizację podstawowej, społecznej funkcji mieszkania, jaką jest zaspokajanie podstawowych potrzeb ludzkich. Z drugiej jednak strony mieszkanie pełni również funkcję ekonomiczną i wówczas jego rolę widzimy przede wszystkim jako formę lokaty kapitału. Kapitał ten można w miarę potrzeb uwolnić, traktując to jako wycofywanie oszczędności przy zachowaniu dotychczasowego użytkowania nieruchomości mieszkaniowej. W związku z tym niniejszy artykuł poświęcony został charakterystyce podstawowych instrumentów finansowych, umożliwiających realizację obu powyższych celów.
EN
The demand on the housing market is created mainly by the availability of funds, both own and foreign ones. Given the high capital-intensive housing investment, the decisive role is played by bank credits and loans. This external financing enables implementation of the basic, social function of dwelling, which is to meet basic human needs. On the other hand, dwelling has an economic function – it is a form of a capital investment. This capital may be released as necessary, and treated as a withdrawal of savings. Therefore this article is devoted to the characteristics of fundamental financial instruments that enable attainment of both these objectives.
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