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1
Content available Misselling jako nadużywanie zaufania klienta na rynku finansowym
100%
Paduszyńska M.
Annales. Etyka w Życiu Gospodarczym
|
2019
|
tom 22
|
nr 3
45-60
EN
The amendment to the act on competition and consumer protection, in force since 17 April 2016, introduced a ban on the so-called ‘misselling’ as a new type of practice that violates collective consumer interests. The sale of products that are not suited to the needs of clients is a frequent reason for complaints to courts and institutions of consumer protection. Thus, it has a negative impact on clients' trust in financial market entities, because it exposes them to unnecessary risk and generates additional service costs. The financial services market is a type of market that has a significant impact on its customers. The source of threats may be the fact that financial institutions operate in an area of increased risk with a relatively low share of equity, and also, they rely on the funds entrusted to them by clients. The aim of this paper is to identify the phenomenon of misselling, explain the reasons for which it is undesirable from the point of view of consumer protection, and present solutions for its reduction. The paper is based on a review, analysis, and synthesis of selected publications (domestic and foreign) which are important from the point of view of the topic. Moreover, the paper includes an analysis of secondary data from official documents and reports of financial market entities.
2
Content available Challenges of Monetary Policy during Crisis in the United Kingdom
100%
Paduszyńska M.
Finanse i Prawo Finansowe
|
2018
|
tom 1
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nr 17
9-19
PL
Przedmiotem prezentowanego badania jest polityka pieniężna w Zjednoczonym Królestwie Wielkiej Brytanii, obejmująca sytuację i wyzwania w czasie kryzysu. W artykule przedstawiono strukturę banku centralnego Anglii oraz trendy gospodarcze w latach 2002–2016. Szczególną uwagę poświęcono łagodnemu luzowaniu ilościowemu – niekonwencjonalnej polityce monetarnej prowadzonej przez bank centralny w następstwie kryzysu finansowego, który rozpoczął się w 2007 r. Głównym celem artykułu jest pokazanie wpływu kryzysu finansowego na politykę pieniężną w Wielkiej Brytanii oraz metody radzenia sobie z jego negatywnymi skutkami. W tym celu wykorzystana została literatura i dane zebrane przez instytucje zaangażowane w omawianą kwestię, w szczególności raporty przygotowane przez Centralny Bank Anglii. Kryzys finansowy miał negatywny wpływ na realną gospodarkę Wielkiej Brytanii. Ograniczało to możliwości konsumpcyjne gospodarstw domowych, a także możliwości inwestowania. Zarówno konsumpcja, jak i inwestycje są ważnymi wyznacznikami PKB.
EN
The topic of the presented study is about the monetary policy in the United Kingdom, included situation and challenges of this policy during crisis. This article presents the structure of the central bank of England as well as economic trends in years 2002–2016. Special attention has been devoted to the Quantitative Easing – unconventional monetary policy followed by central bank in the wake of financial crisis that began in 2007. The main purpose of the article is to show the impact of the financial crisis on the monetary policy in the United Kingdom and methods of dealing with its negative effects. Realisation of this will be studied literature and data compiled by the institutions involved in the discussed issue, especially reports prepared by the Central Bank of England. The financial crisis has had a negative impact on the real economy of the United Kingdom. It limited possibilities of household consumption and also possibilities of investment companies. Both of those, consumption and investment are important determinants of GDP.
3
Content available The Essence and Significance of Financial Instruments for Enterprises in Poland in 2010-2018
100%
Paduszyńska M.
Finanse i Prawo Finansowe
|
2020
|
tom 3
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nr 27
109-124
EN
The purpose of the article/hypothesis: The aim of the study is an attempt to show the degree of use of financial instruments by non-financial enterprises operating on the Polish market and to determine whether their application translates into the financial results achieved by these enterprises. The hypothesis was adopted that the importance and use of financial instruments by enterprises on the Polish market is not significant, however, as a result of global transformations and the growing importance of financial markets, the activity of entities in this respect will increase. Methodology: In order to determine the degree of use of financial instruments among enterprises, the data published by the Central Statistical Office (GUS) for the years 2010–2018 were used and the key indicators illustrating the involvement of enterprises in the instruments available on the financial market were calculated. The literature on the subject was also reviewed and analyzed. Results of the research: The conducted considerations that non-financial enterprises in the polish market showed an increase in involvement in financial activities, as evidenced by the growing share of financial instruments, both on the active and passive side. On the passive side, the use of credits and loans in financing the activities of entities increased. This increase, however, did not translate into the use of the effects of financial leverage in the surveyed enterprises and an increase in the profitability of equity. In the case of assets, in the analyzed period there was an increase in the involvement of free funds in investments, mainly due to an increase in equity financial instruments. However, the analysis of financial revenues in total revenues may suggest that greater involvement in the financial sphere does not translate into profitability of assets and the results of the surveyed entities. It should be emphasized, however, that the development of the financial market and the increasing availability and variety of financial instruments strengthen the interest of enterprises in capital investments.
4
Content available Deposit Guarantee Systems in Russia and the USA
63%
Florczak T. , Paduszyńska M.
Finanse i Prawo Finansowe
|
2020
|
tom 4
|
nr 28
79-99
EN
The purpose of the article/hypothesis: The purpose of the article was to indicate the results of operations of deposit guarantee systems in Russia and the USA. The research hypothesis was that the deposit guarantee system in Russia during the 2004–2018 research period was more heavily burdened with guarantee activities.Methodology: The article is largely based on a review, analysis and synthesis selected publications and available statistical data, and also expanded on the conclusions of the authors and the results of research in the discussed area.Results of the research: The results of the conducted research indicate a high burden on the institution guaranteeing deposits in Russia (DIS). This is primarily the result of actions aimed at stabilizing the Russian banking sector.
5
Content available Deposit Guarantee Systems in Russia and the USA
63%
Florczak T. , Paduszyńska M.
Finanse i Prawo Finansowe
|
2021
|
nr Numer Specjalny
67-87
EN
The purpose of the article/hypothesis: The purpose of the article is to indicate the results of operations of deposit guarantee systems in Russia and the USA. The research hypothesis was that the deposit guarantee system in Russia during the 2004–2018 research period was more heavily burdened with guarantee activities. Methodology: The article is largely based on a review, analysis and synthesis of selected publications and available statistical data. Additionally, it is expanded by the authors’ conclusions and the results of their research. Results of the research: They clearly indicate a high burden on the institution guaranteeing deposits in Russia (DIS). This is primarily the result of actions aimed at stabilizing the Russian banking sector.
6
Content available Factoring as a Special Means of Financing SMEs’ Activities – the Case of Enterprises in the Lodz Area
63%
Piguła E. , Paduszyńska M.
Finanse i Prawo Finansowe
|
2015
|
tom 2
|
nr 3
103-117
EN
The article considers the usefulness of factoring as a short-term instrument allowing enterprises to finance their activities. Suppliers choosing factoring can offer buyers extended debt payment periods, improve their liquidity, as well as gaining access to additional services offered by factors. This analysis focuses on the benefits, usefulness and weaknesses of factoring, including the business effects of this facility and the prospects of its development. An attempt is made to demonstrate that factoring has a great potential for growth as a source of short-term funding for small- and medium-sized enterprises (SMEs). Two methods are used to this end: a review of the pertinent Polish and foreign literature including research articles, and a questionnaire survey of 20 SMEs with relevant experience in using this facility. The analysis of the usefulness and cost-effectiveness of factoring shows that in the period 2010–2014 in which market instabilities were observed factoring was a useful and frequently employed means of short-term funding.
7
Content available Istota i znaczenie odwróconej hipoteki w obliczu starzenia się społeczeństwa polskiego
63%
Paduszyńska M. , Zbyszewski S.
Finanse i Prawo Finansowe
|
2016
|
tom 3
|
nr 2
21-36
EN
Demographic transitions are becoming a crucial aspect of contemporary economies. This article presents main demographic changes and their influence on the social security system. The aim of this work is to show the importance of finding new commodities and services for the ageing society, in the light of contemporary socioeconomic challenges. Undoubtedly, reverse mortgage is the one such products. The article proves the core of reverse mortgage and points to opportunities it gives up against social needs.
PL
Przeobrażenia demograficzne wymuszają na starzejącym się społeczeństwie polskim poszukiwania alternatywnych sposobów oszczędzania na starość. W artykule wykazano problem wyzwań społeczno-ekonomicznych posiłkując się przykładem odwróconej hipoteki jako uzupełnienia świadczeń emerytalnych.
8
Content available Change Dynamics of Electricity Prices for Households in the European Union between 2011 and 2020
63%
Kozar Ł. , Paduszyńska M.
Finanse i Prawo Finansowe
|
2021
|
tom 4
|
nr 32
97-115
EN
The aim of the article: The aim of the article is to evaluate and analyze the dynamics of electricity prices for households in the European Union member states (EU-27) in the period 2011–2020. The study also focuses on the key components of electricity prices in the countries analyzed. The discussed issues are important from the socio-economic point of view. It refers to the issue of sustainable development, where electricity prices are addressed in relation to the problem of energy poverty of households. Methodology: The study is of a theoretical and analytical character. In addition to the review of available dnational and foreign literature, Eurostat data on electricity prices for households in the EU-27 were analysed. Moreover, the paper presents the application of a selected cluster analysis method, i.e. the k-means method, to assess the situation of the EU-27 countries in terms of electricity prices for households in the analysed period of 2011–2020. Results of the research: The result of the analyses undertaken is a presentation of the share of VAT and other taxes and levies in the price of electricity for households. The analyses showed differences between the countries in the structure of establishing the electricity price for households. Only in three countries (Bulgaria, Hungary, Slovakia) it was found that there was no share of other taxes and levies in the electricity price. In turn, the applied k-means method contributed to obtaining the division of countries into four groups reflecting the differentiation in terms of the amount of electricity price for households in the period under study.
9
Content available Rynek usług płatniczych w Polsce w świetle zmian prawnych implementujących postanowienia dyrektywy PSD2
63%
Paduszyńska M. , Pawlak B.
Studia Prawno-Ekonomiczne
|
2020
|
tom 114
EN
Background: The article presents the most important issues related to the full application of the PSD2 regulatory package within the payment services market. Both the current state of the do-mestic market and prospects for its development are depicted. Everything has been brought to­gether by the upcoming changes, an attempt to estimate the scale of changes that awaits us after the full implementation of the PSD2 directive. Research purpose: The main aim of the authors was an attempt to present key changes on the payment services market in Poland in the light of key legal changes related to the implementation of the EU directive on payment services, i.e. PSD2, which is a response to the dynamic develop­ment of electronic payments and related risks. Methods: The following article was based to a large extent on the review, analysis and synthesis of selected publications and available statistical data, and was also further expanded to include the results of research by other authors in the discussed area. Conclusion: The growing number of entities on the payment services market improves the pay­ment process, increasing competition for banks. On the other hand, it raises new problems related to protecting users’ privacy and preventing fraud such as “phishing”. PSD2 change a number of issues in the face of the changing market, leaving at the same time some uncertainty as to the correctness of their functioning.
PL
Przedmiot badań: W artykule przybliżono najbardziej doniosłe zagadnienia związane z peł­nym stosowaniem pakietu regulacyjnego PSD2 w obrębie rynku usług płatniczych. Zobrazowa­no zarówno obecny stan krajowego rynku, jak i perspektywy jego rozwoju. Całość zestawiono z nadchodzącymi zmianami w sektorze bankowym oraz podjęto próbę oszacowania kluczowych zmian, jaka czeka nas po pełnym wdrożeniu dyrektywy PSD2. Cel badawczy: Celem autorów była próba przedstawienia zachodzących przeobrażeń na rynku usług płatniczych w Polsce w świetle kluczowych zmian prawnych, związanych z implementacją unijnej dyrektywy dotyczącej usług płatniczych, tj. PSD2, będącej odpowiedzią na dynamiczny rozwój płatności elektronicznych i związanych z tym zagrożeń. Metoda badawcza: Artykuł został oparty w znacznej części na przeglądzie, analizie i syntezie wybranych publikacji oraz dostępnych danych statystycznych, a także rozwinięty o przytoczenie wyników badań innych autorów w omawianym zakresie. Wyniki: Rosnąca liczba podmiotów na rynku usług płatniczych wpływa na usprawnianie pro­cesu płatności, zwiększając konkurencję dla banków. Z drugiej strony wywołuje to nowe pro­blemy związane z ochroną prywatności użytkowników i zapobieganiem oszustwom, takim jak np. phishing. Nowe przepisy porządkują szereg kwestii w obliczu zmieniającego się rynku usług płatniczych, pozostawiając także niepewność co do pełnej poprawności ich funkcjonowania.
10
Content available Dodatek kwartalny
45%
Paduszyńska M. , Stępniak A. , Korzeniowski M. , Grzelak D. , Zimny A.
Finanse i Prawo Finansowe
|
2020
|
tom 1
|
nr 25
143-152
11
Content available Dodatek kwartalny
45%
Paduszyńska M. , Lasek J. , Konopacka J. , Jurek M. , Witczak R.
Finanse i Prawo Finansowe
|
2019
|
tom 2
|
nr 22
65-72
PL
-
12
Content available Dodatek kwartalny
38%
Paduszyńska M. , Witecka M. , Jabłoński M. , Stępniak A. , Zimny A. , Witczak R.
Finanse i Prawo Finansowe
|
2020
|
tom 2
|
nr 26
173-186
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