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Postawy ostrożnościowe gospodarstw domowych w podejmowaniu decyzji finansowych

Author

Listed:
  • Janina Kotlińska

    (Katolicki Uniwersytet Lubelski Jana Pawła II w Lublinie, Instytut Ekonomii i Finansów, Katedra Finansów i Rachunkowości)

  • Zdzisław A Błasiak

    (Katolicki Uniwersytet Lubelski Jana Pawła II w Lublinie, Instytut Ekonomii i Finansów, Katedra Finansów i Rachunkowości)

  • Jarosław Kuśpit

    (Katolicki Uniwersytet Lubelski Jana Pawła II w Lublinie, Instytut Ekonomii i Finansów, Katedra Polityki Gospodarczej i Polityki)

  • Grzegorz Kotliński

    (Uniwersytet Ekonomiczny w Poznaniu, Instytut Finansów, Katedra Pieniądza i Bankowości)

Abstract

Celem opracowania jest zdiagnozowanie postaw ostrożnościowych gospodarstw domowych w podejmowaniu decyzji finansowych. Jako wyznaczniki postawy ostrożnościowej przyjęto: gromadzenie oszczędności, podejście do zaciągania zobowiązań, angażowanie środków w inwestycje finansowe i planowanie finansowe. Oddziałujące na nie zmienne mają charakter sytuacyjny i osobowościowy. W opracowaniu wykazano, że na wyznaczniki postawy ostrożnościowej gospodarstw domowych istotny wpływ mają: liczba dzieci, lokalizacja gospodarstw domowych oraz preferowany model i sposób podejmowania decyzji finansowych. U badanych podmiotów dominowała postawa ostrożnościowa. Ponadto ustalono, że: transfery publiczne istotnie wpływają na postawę ostrożnościową gospodarstw domowych; istnieją zależności (o różnej sile) między poziomem ich oszczędności a sposobem zaciągania zobowiązań oraz między dopuszczalnością zaciągania nowych zobowiązań a dochodami per capita; badane podmioty zaciągają zobowiązania w sposób przemyślany, niezależnie od dotychczasowych doświadczeń w tym zakresie. Przedstawiona w artykule koncepcja badań i wykonany pilotaż poszerzają wiedzę na temat badanej problematyki, a przy tym mogą stanowić przyczynek do dalszych, pogłębionych analiz.

Suggested Citation

  • Janina Kotlińska & Zdzisław A Błasiak & Jarosław Kuśpit & Grzegorz Kotliński, 2024. "Postawy ostrożnościowe gospodarstw domowych w podejmowaniu decyzji finansowych," Bank i Kredyt, Narodowy Bank Polski, vol. 55(1), pages 75-98.
    • Handle: RePEc:nbp:nbpbik:v:55:y:2024:i:1:p:75-98
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    References listed on IDEAS

    as
    1. Daniel Kahneman & Amos Tversky, 2013. "Prospect Theory: An Analysis of Decision Under Risk," World Scientific Book Chapters, in: Leonard C MacLean & William T Ziemba (ed.), HANDBOOK OF THE FUNDAMENTALS OF FINANCIAL DECISION MAKING Part I, chapter 6, pages 99-127, World Scientific Publishing Co. Pte. Ltd..
    2. Nezameddin Faghih & Amir Forouharfar (ed.), 2022. "Socioeconomic Dynamics of the COVID-19 Crisis," Contributions to Economics, Springer, number 978-3-030-89996-7, December.
    3. Kacper Grejcz & Zbigniew Żółkiewski, 2017. "Household wealth in Poland: the results of a new survey of household finance," Bank i Kredyt, Narodowy Bank Polski, vol. 48(3), pages 295-326.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    gospodarstwo domowe; zachowania gospodarstw domowych; postawy ostrożnościowe; finanse gospodarstw domowych; decyzje finansowe;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • H24 - Public Economics - - Taxation, Subsidies, and Revenue - - - Personal Income and Other Nonbusiness Taxes and Subsidies

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