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    Prawnofinansowe aspekty zwalczania lichwy bankowej
    (Oficyna Wydawnicza AFM, 2013) Krużołek, Klaudia
    On 7 July 2005, the Act of changing an Act was passed — the Civil Code and change to certain other acts, commonly knows as „the anti-usury Act”. This law was an expression of care and concern of a citizen legislature, in the face of a worrying trend which has been deepening insolvency of a Polish consumer. A private person, usually in a bad financial situation, with no funds to meet even the most basic of human needs, loans or credits taken out to repay the obligations already incurred or to pay current expenses, the effect of which was felling into the so-called „spiral of debt”. Lawmaker guided by a noble goal — curbing unworthy banking practices in the award of loans and credits by, for example: introduction rules concerning percentage of maximum (four time the lombard interest rate) to the Civil Code; determinate the maximum threshold of total amount of fees, commissions related to the conclusion of consumer credit (5%); provide consumer information on the annual interest rate of past-due debt, the conditions of its change and notifying the borrower of the amount of the other costs they will incur in case of failure by the contract. However, when analyzing the provision of the Act and putting them together with the complex reality, unfortunately, we come to the conclusion that the solutions proposed by the Act have too many side effects. Reckless constructions, and so led considerable abuse o f the banking institutions and to deepen the distrust of the borrower to the lender. The considerations of this paper attempt to show how awkward economization right may lead to its inflation.
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    Struktura depozytów i kredytów bankowych gospodarstw domowych w 2006 roku
    (Oficyna Wydawnicza AFM, 2007) Fatuła, Dariusz
    The article discusses the structure of loans and deposits made by households analysed for the duration of the investment, purpose, duration of the crediting period, and the currency selected. The analysis conducted points at probable reasons and future effects of thus defined structure and dynamics of change in selected categories. The most important phenomena in the field of bank deposits in 2006 include a major rise in the short-term deposits paralleled by a drop in long-term ones. Visible here is the near doubling of the value of longest-term (i.e. exceeding 20 years) loans, mostly home loans. Loans in foreign currencies continued to increase faster than those in the local currency (PLN). A positive sign is a marked drop in the share of troubled loans to the level of 5.6% of all loans, marking the 10-year low.