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Bezpieczeństwo depozytów bankowych w Polsce w czasie wieloletniego kryzysu

Author

Listed:
  • Małgorzata Zaleska

    (Szkoła Główna Handlowa w Warszawie, Kolegium Ekonomiczno-Społeczne, Instytut Bankowości)

Abstract

Celem artykułu jest przedstawienie depozytu bankowego jako bezpiecznego instrumentu lokowania wolnych środków finansowych w porównaniu z innymi formami inwestycji oraz wskazanie systemowych postulatów zwiększających bezpieczeństwo depozytów bankowych w Polsce i atrakcyjność długoterminowego oszczędzania. Tłem rozważań jest sytuacja niepewności, permanentnego kryzysu, zarówno w okresie niskich, jak i wysokich stóp procentowych. Wysokość oprocentowania nie jest jednak istotną determinantą przy wyborze form lokowania wolnych środków finansowych przez Polaków, natomiast działalność instytucji sieci bezpieczeństwa finansowego, w tym resolution – będące w instrumentarium Bankowego Funduszu Gwarancyjnego – zwiększa zaś bezpieczeństwo depozytów i systemu bankowego oraz wpływa na zachowanie zaufania do polskiej bankowości. Artykuł służy upowszechnieniu autorskich obserwacji, będąc jednocześnie podstawą do rekomendowania istotnych zmian w polskim sektorze bankowym.

Suggested Citation

  • Małgorzata Zaleska, 2023. "Bezpieczeństwo depozytów bankowych w Polsce w czasie wieloletniego kryzysu," Bank i Kredyt, Narodowy Bank Polski, vol. 54(5), pages 459-474.
    • Handle: RePEc:nbp:nbpbik:v:54:y:2023:i:5:p:459-474
    as

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    References listed on IDEAS

    as
    1. Daron Acemoglu & Asuman Ozdaglar & Alireza Tahbaz-Salehi, 2015. "Systemic Risk and Stability in Financial Networks," American Economic Review, American Economic Association, vol. 105(2), pages 564-608, February.
    2. Daniel C. Hardy & María J. Nieto, 2011. "Cross-border coordination of prudential supervision And deposit guarantees," Working Papers 1126, Banco de España.
    3. Ana Babus, 2016. "The formation of financial networks," RAND Journal of Economics, RAND Corporation, vol. 47(2), pages 239-272, May.
    4. Hardy, Daniel C. & Nieto, Maria J., 2011. "Cross-border coordination of prudential supervision and deposit guarantees," Journal of Financial Stability, Elsevier, vol. 7(3), pages 155-164, August.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    kryzys finansowy; bank; gwarantowanie depozytów; uporządkowana restrukturyzacja;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • K22 - Law and Economics - - Regulation and Business Law - - - Business and Securities Law

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