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1
Zarządzanie ryzykiem kredytowym w banku komercyjnym
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2007
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Nr 50, t. 1
71-79
PL
Artykuł przedstawia i omawia zagadnienia oraz procesy związane z zarządzaniem ryzykiem, ze szczególnym uwzględnieniem ryzyka kredytowego. Zaprezentowane w tym artykule zostały również metody i sposoby jego ograniczania. Odrębne miejsce poświęcono modelom portfelowym oraz przedstawiono modele wyliczania wymogów kapitałowych z tytułu ryzyka kredytowego, które oparte są na metodach ratingów wewnętrznych zalecanych przez Bazylejski Komitet Nadzoru Bankowego w tak zwanej Nowej Umowie Kapitałowej.
EN
Risk management and especially credit risk management have been presented in the article. It explores the concept of risk-weighted capital, the 1988 Basel Capital Accord and the new proposals for change. With the evolution of financial systems, credit risk management has become increasingly important. The Basel Committee on Banking Supervision presented a new approach to measure credit risk in 1999. For instance, internal rating based approach. The models of credit risk analysis also have been presented in the article.
2
Główne formy struktur rynkowych w gospodarce
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2007
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Nr 49
263-276
EN
This article shows the main forms of market structures in the global economy. In early years of the United States, a monopoly usually meant an organization to which the government had granted some exclusive privilege. The monopolist was thus the sole legal seller. Competition is a process in which competitors engage. We cannot have competition without competitors. It does not seem as obvious to people that we also cannot have competition if we prohibit competitors from taking actions intended to increase their share of the market. So there is a very important for enterprises to know the type and the scale of the market structures.
3
Ograniczanie ryzyka finansowania działalności innowacyjnej
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2006
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Nr 48, t. 2
631-637
EN
This paper defines the possibilities of reducing risk in financing innovative activity. Risk has a special place in the economic-financial system and it is considered as one of the greatest challenges in the beginning of the early 21st century. The capital necessary to finance current and development activities in the company may come from various sources in various forms. The most frequent instruments of financing innovations in the last period include bank credits, loans, venture capital and others. The methods of reducing risk in financing innovative activity have a special place in economic system and help financial institutions and enterprises to avoid problems with risk.
4
Formy zabezpieczeń kredytów w systemie bankowym
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
|
2006
|
Nr 47
177--188
EN
This article had been presented a different kinds of collaterals of credit loans (a bill of exchange, a bank guarantee, a pledge, a mortgage and a deposit). Credit risk is the main and most characteristic of banks since giving credits belongs to their activity. These legal instruments are allowed to reduce a credit risk management in banks all over the world.
5
Bezpieczeństwo systemu bankowego
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2005
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Nr 42
115-130
EN
The security of the banking system has been described in this article. The basis of financing of the country's development is domestic savings. It is not possible without a stable banking system. Efficient and safe system of capital and monetary markets' institutions becomes a crucial condition to meet the objectives of economic strategy. There was presented in this article the concept of the Basel approach to a capital adequacy. In 1999, the Basel Committee issued a new proposal in an attempt to improve on the 1988 Accord. The initial proposal was controversial and drew considerable comment from interested parties, especially banks.
6
Modele Camel i Crocodile w bankowości
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2004
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Nr 42
196-210
EN
CAMEL and CROCODILE models (methods) have been presented in the article. By comparing a bank with its peers and with historical performance, the relative strengths and weaknesses of the bank and emerging or reversing trends can be discerned. The heart of the analytical inquiry, as always, is to evaluate the bank's creditworthiness and to determine its strength, diversification and prospects. The CAMEL model is used almost universally as the framework for mainstream bank credit analysis. Although the CAMEL model is by far the most widespread approach to bank credit analysis, variants and alternative methods have been developed. In the recent times the CAMEL of traditional bank risk analysis becomes a CROCODILE - not that one will ever replace the other so that an easily remembered system can be utilised to check new, start up or well established banks for their potential for fraud in banking environment.
7
Kierunki doskonalenia metod szacowania i oceny ryzyka kredytowego w systemie bankowym w Polsce
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2004
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Nr 43, t. 2
911-920
EN
The main thesis of this article: there is a need for a constant improvement of existing credit risk methods and search for a new solutions in the field that might facilitate the banks' decision making process. The methods of reducing credit risk have their special place in the economic-financial system. It is impossible to imagine economic life without a stable banking system. Credit risk is the main and the most characteristic of banks since giving credit belongs to their basic activity. The primary determinant affecting the reduction of credit risk of banks is mainly a good condition of the borrower. According to Polish banking law, borrowers can be given a credit only if they have required credit capacity, understood as their ability to meet debt obligations (current and future).
8
Podstawowe instrumenty polityki fiskalnej i monetarnej w gospodarce
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
|
2003
|
Nr 41
301-317
EN
The main attributes of budget and monetary policy and theirs instruments has been presented in this article. The co-ordination of above mentioned policies which means a choice of theirs common direct is recommended. The article also shows decisions of Polish authority in monetary policy (RPP) in 2000 and 2001.
9
Zdolność kredytowa i ryzyko kredytowe w systemie bankowym
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
|
2002
|
Nr 40
159-173
EN
Banking is a risk business, but one mistake can wipe out a year's profits or more. Management ability is the key to much bank risk, and this must be deduced from the available information. Bank failures and rescues are not confined to the developing world. Banking is a business like any other - a raw material goes into the process we call banking, and hopefully, a profit (that is processed money) comes out at the other end. The only real difference is that the process and the resultant profit or losses are based on risks that include the increasing possibility of losing money. Most banking risks are calculated and will include such processes as the credit analysis of a corporation that the bank is considering lending money to and on whose successful use of that money in a wider environment depends the success of failure of the loan which now stands as an asset on the lending bank's balance sheet.
10
Fundusze emerytalne w gospodarce rynkowej
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2001
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Nr 39
103-116
EN
In this article has been presented the role of pension funds in a world economy. Pension funds are one of many areas of international and domestic funds activity that has undergone changes in the past decade. It shows the functions of economic policy and define implementation of pension funds influence on the economic performance in such countries like Chile, Argentina and Poland.
11
Motywy i konsekwencje procesów konsolidacyjnych w systemie bankowym
Janasz K., Wiśniewska J.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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2000
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Nr 38
109-123
EN
The process of consolidation in the banking system has been presented in this article. Consolidation has been the big theme in the global financial market during the 1990's. The main reasons for mergers are: -scale (costs, capital), -product and geographical scope, -management's ambitions, -competition (domestic and international), -synergy. The surge in mergers and acquisitions in early 1999 seems to show that efficiency, focus and shareholder value are European manager's new goals. Mergers and alliances are the chosen way to grow more robust. The most important is that you can get big being better and not better by being big.
12
Ryzyko bankowe w praktyce gospodarczej
Janasz K., Wiśniewska J.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
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1999
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Nr 37
66-82
EN
In this paper the role of banking risk in the economic practice had been presented. The banker's job is to manage risk rather then merely avoid it. The recent stock market crash reminded the world at large that risk is increasingly important in the arena of international finance. Before you can try to manage your risks - by diversifying, hedging or at least bracing yourself for what lies ahead - you have to identify them and put them in perspective.
13
Rola i zadania correspondent banking w banku komercyjnym
Janasz K.
Zeszyty Naukowe. Prace Instytutu Ekonomiki i Organizacji Przedsiębiorstw / Uniwersytet Szczeciński
|
1998
|
Nr 36
193-201
EN
In this paper has been presented the role of correspondent banking in the bank. Correspondent banking is one of the many areas of international banking activity that has undergone changes in the past decade. These changes have affected nearly all aspects of correspondent banking, ranging from the type of products offered, through the methods of costing and pricing services, to the methods of promoting and marketing employed in today's competitive markets.
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