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Ethics in Progress
|
2021
|
vol. 12
|
issue 1
84-94
EN
Often we have to decide on difficult problems and conflicts. For this, a certain level of moral competence is needed, in order to solve them as quickly and adequately as possible. Otherwise these problems and conflicts can overwhelm us, triggering a feeling of fear and panic, and making us react too slowly or inadequately, or both. Fear and panic can make us ignore problems and conflicts, attempt to “solve” them through brute force or deceit, or declare them to be beyond our responsibility and let an authority decide what to do. Often such makeshift solutions seem to work, but, more often, they have damaging effects. Therefore, society tries to curb criminal and anti-democratic activities through coercion, that is, through laws, law-enforcing institutions, and correction facilities – at high costs, and often with little efficacy. In this article I show that such coercion would not be needed if we gave all citizens an opportunity to develop their ability to solve conflicts and problems through thinking and discus-sion. Moral competence would immunize us against fear and panic, and thus also against immoral practices. Moral competence is not inborn in us, and it does not develop unless it is fostered through proper learning opportunities. Therefore, if we want to live together peace¬fully in a democratic society, we need to provide proper learning opportunities for everyone, not only of a few people. If the masses are infected by panic, a few rational people cannot stop this pandemic.
EN
This paper concerns the problem of the occurrence of panic clients in banks in the world. This phenomenon was by far the recent financial crisis intensified, hence it is advisable to try to analyse this topic. Problem management in banks and panic in the financial markets is an extremely complex issue that requires both theoretical and practical approach. The authors have attempted to characterize the phenomenon of panic as the socio-economic development. In the article there were analysed behavioural aspects of panic and instruments of its deactivation. In addition, some examples of a run on money in Europe was presented. The study showed not only the complexity of the problem, but also the effectiveness and reliability of certain instruments limiting or even eliminating panic in the market.
PL
Prezentowany artykuł dotyczy problemu występowania paniki klientów w bankach na świecie. Zjawisko to po ostatnim kryzysie finansowym zdecydowanie się nasiliło, stąd celowym wydaje się podjęcie próby analizy tego tematu. Problem zarządzania paniką w bankach czy na rynkach finansowych jest niezwykle złożoną kwestią wymagającą zarówno ujęcia teoretycznego, jak i praktycznego. Autorzy podjęli próbę scharakteryzowania paniki jako zjawiska socjoekonomicznego. Poddali analizie behawioralne aspekty paniki i instrumenty jej dezaktywacji. Ponadto opisano przykłady runu na kasy w Europie. Przeprowadzone badania pokazały nie tylko złożoność problemu, ale również skuteczność i zawodność pewnych instrumentów ograniczających, czy wręcz likwidujących, panikę na rynku. 
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