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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
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    References listed on IDEAS

    as
    1. Daniel C. Hardy & María J. Nieto, 2011. "Cross-border coordination of prudential supervision And deposit guarantees," Working Papers 1126, Banco de España.
    2. 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.
    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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