Rynek pracy a rynek kredytów detalicznych

• Authors: Marian Gola

Title variants

EN

Earnings Conditions of Employment and Retail Credit Market in Poland

• Languages of publication: PL

Abstracts

EN

December 2010 proved to be a crucial period for the retail credit market. Implemented at this time the T Recommendation of Financial Supervision Commission determined the drastic limitation of crediting of individuals by standard banking institutions. It was (and actually still is) the result of the need for the banks in the credit assessment using the algorithm minimum levels of household spending, designated primarily through the prism of the so-called minimum of poverty, which is published by the Institute of Labour and Social Affairs. Unfortunately, as indicated the observations and experience, the adoption of this type of solutions contributed to the exclusion of a large part of society, which under the new regulations may not use the services of banks' loan. The reason for this state of affairs is very prosaic - their incomes are too low and basically inadequate to coverage in the context of the "new" household expenditure, not to mention the loan installments. So we must ask the question, therefore, is certainly new regulatory solutions are adapted to the conditions prevailing in the domestic labor market?

Keywords

PL

Dochody gospodarstw domowych; Rynek kredytów; Rynek pracy; Zdolność kredytowa

EN

Credit capacity; Credit market; Household income; Labour market

• Publisher: Uniwersytet Ekonomiczny w Katowicach
• Journal: Studia Ekonomiczne
• Year: 2013
• Volume: 160
• Pages: 215-222

Contributors

author

Marian Gola

References

• Szok regulacyjny a konkurencyjność i rozwój sektora bankowego. Red. S. Kasiewicz i L. Kurkliński. Warszawa 2012.

Identifiers

ISSN

2083-8611