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Krajowa Izba Rozliczeniowa SA w rozrachunkach polskich banków

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Bakalarczyk S., Uniwersytet Łódzki K. F. i. B.

Acta Universitatis Lodziensis. Folia Oeconomica

2002

vol. 161

The purpose of the establishment of KIR SA was to build and standardise the interbank clearing system. It was intended to include exchange and recording of payment transfers and identificate mutual liabilities, as well as presentation of clearing results between banks active in Poland to the National Bank of Poland. On the 22nd of November 1991 representatives of 16 founding banks, including National Bank of Poland and the Polish Bank Association signed the notarial deed of the National Clearing House C.o. which stipulated the company’s statue and governing bodies. The KIR SA organisation’s structure comprises the 1-Iead Office in Warsaw and 17 Bank Regional Clearing Houses (BRIR) in the Poland’s province capitals and in Koszalin. In National Clearing House C.o. there are 2 basic clearing systems: The SYBIR system - paper-based or traditional and the ELIXIR system - the Electronic Clearing System. While the SYBIR system in Polish banks was an immense leap as compared with practices, it could not be treated to be the only and final solution, primarily due to its non-electronic” nature. Therefore, KIR SA undertook in the very begining the preparations for a fully electronic clearing system. The ELIXIR system was presented in its complete form to the KIR SA Management Board by Unisys as early as September 1993. The ELIXIR system became operational on 18 April, 1994 linking 37 branches of eight banks. As a result of implementation of the process of widespread migration to electronic interbank transactions, as of July 1997 all of the National Clearing House C.o. members use the modern electronic clearing system.

Wybór banków w zarządzaniu finansami gminy

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Bakalarczyk S., Uniwersytet Łódzki K. F. i. B.

Acta Universitatis Lodziensis. Folia Oeconomica

2002

vol. 160

The delegation of powers down to lower levels of self-government is accompanied by the decentralisation of public finance to the same levels. In December 1998 the parliament completed its work on the final versions of the temporary Law on Revenues of Territorial Self-Government Entities for the Years 1999 and 2000 and the Law on Public Finance. Both Laws contribute to the introduction of a clear and transparent assignment of financial responsibilities to particular entities as well as ensure that the tasks delegated to territorial self-government entities are accompanied by the financial resources indispensable for their fulfilment. Apart from these public sources of revenues, local entities are empowered to obtain revenues from private law sources (from the assets that they own). This mainly concerns communities which are especially well-equipped with ground, housing and commercial properties. Being the communities on financial market, even not huge, is being more watched and is more intense. Communities are very attractive client for banking system and for other institutions being on this market. In this case, necessary is to have financial service from commercial banks.

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2 Acta Universitatis Lodziensis. Folia Oeconomica

2 Bakalarczyk S.

2 Uniwersytet Łódzki K. F. i. B.

2 2002

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Krajowa Izba Rozliczeniowa SA w rozrachunkach polskich banków

Wybór banków w zarządzaniu finansami gminy