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Relacje firm z bankami w Polsce. Wyniki empiryczne na podstawie danych panelowych

Author

Listed:
  • Krzysztof Gajewski

    (Narodowy Bank Polski)

  • Małgorzata Pawłowska

    (Narodowy Bank Polski)

  • Wojciech Rogowski

    (Szkoła Głowna Handlowa w Warszawie)

Abstract

Celem badania była identyfikacja czynników, które istotnie wpływają na relacje między bankami a firmami w Polsce, utożsamiane tutaj z bankowością relacyjną (bank-firm relationships). Wyniki analizy empirycznej wykazały, że polskie firmy chętnie budują relacje z jednym bankiem. Dodatkowo wyniki modelu ekonometrycznego pozwoliły sprawdzić szereg hipotez dotyczących determinant bankowości relacyjnej w Polsce pod względem cech firm, kredytujących je banków, a także otoczenia makroekonomicznego. W kontekście sektora finansowego zweryfikowano wpływ konkurencji w sektorze bankowym, konkurencji ze strony rynku kapitałowego oraz rozwoju sektora bankowego. Zbadano również wpływ cyklu koniunkturalnego na bankowość relacyjną w Polsce. W badaniu wykorzystano dane pochodzące ze sprawozdawczości bankowej oraz innych źródeł (GUS, Monitor Polski B).

Suggested Citation

  • Krzysztof Gajewski & Małgorzata Pawłowska & Wojciech Rogowski, 2013. "Relacje firm z bankami w Polsce. Wyniki empiryczne na podstawie danych panelowych," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 30, pages 89-105.
    • Handle: RePEc:sgh:annals:i:30:y:2013:p:89-105
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    References listed on IDEAS

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