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EN
In this paper, we are looking for an answer to the long-standing question how the households tend to distribute their income between consumption and savings. We have decided to analyse householder behaviour in the euro area using quarterly data for euro area countries over the time horizon 2000 – 2018 to estimate marginal propensity to consume, marginal propensity to save, and to compare the saving dynamics with monetary policy and country wealth. We first considered panel regression model estimated using Arellano-Bond estimator for aggregate euro area level. This model was altered by an autoregressive time series model applying the Newey-West standard errors for individual countries. The results show that the Global Financial Crisis was an important break-even in saving habits of European households. Finally, we have identified four country groups based on the relationship between the economic performances of euro area countries and saving habits of households.
EN
The article deals with information – based marketing of scientific research institutes, which has been named SAVE (Solution – Access – Value – Education). A proper use of marketing instruments requires information assets which are defined in terms of the essence, the scope and the form of the defined information needs. The essence, the form and the pattern of information needs in reference to SAVE has been defined and described in the case of scientific research institute. The specification of needs for each instrument and for various market participants has been included into the description.
PL
W artykule przedstawiono informacyjne uwarunkowania marketingu instytucji naukowo-badawczej, który został określony jako SAVE (Solution – Access – Value – Education). Właściwe wykorzystanie instrumentów marketingu wymaga posiadania zasobów informacyjnych, które determinowane są przedmiotem, zakresem i formą zdefiniowanych potrzeb informacyjnych. Przedmiot, forma i układ potrzeb informacyjnych w odniesieniu do SAVE został zidentyfikowany i opisany w przypadku instytucji naukowo-badawczej. Do opisu zostało również włączone określenie potrzeb dla każdego instrumentu i dla różnych uczestników rynku.
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