Czynnik własnościowy a efektywność sektora bankowego : Część 1 - przegląd literatury

• Autorzy: Michał Chałaczkiewicz

Warianty tytułu

The ownership factor and banking sector efficiency. Part I - Review of bibliography

• Języki publikacji: PL

Abstrakty

Dokonano przeglądu wybranych pozycji literatury naukowej odnoszących się do problematyki wpływu własności państwowej oraz prywatnej na efektywność sektora bankowego. Analiza taka umożliwia usytuowanie kierunków polskich reform sektora bankowego na tle bogatego, lecz mało znanego dorobku naukowego z tej dziedziny oraz doświadczeń empirycznych innych krajów.

EN

The economic transformation in Poland has dramatically diminished the role of the state in the banking sector. As at the end of September 2003, private investors controlled almost 84 procent of the sector's ownership capital and around 75 procent of the banks' assets. As recently as 1993, the respective figures were 15.2 procent of ownership capital and 13 procent of banking sector assets. In the context of such changes, the question arises as to the impact of the privatisation processes on changes to the operational efficiency of banking institutions. In the article, the author reviews selected bibliography on issues concerning the impact of state and private ownership on the performance of the economy and of the banking sector in particular. The author demonstrates that the impact of the ownership factor on banking sector efficiency has long been a subject of a lively scientific debate. The research papers and projects presented, particularly those which utilise modern methods of measurement and analysis of empirical data, indicate that excessive state ownership has a detrimental impact on the banking sector and as a result on the entire economy. This shows amongst others that state-owned banks are less efficient, both in operational and financial terms, than private banking institutions. Moreover, operations of state-owned banks may be subject to political pressure, which prevents them from efficiently allocating their capital. However, in order to fully understand the impact of the ownership factor on banking sector efficiency, the presented research results and formulated research hypotheses must be verified in the context of the performance of specific banking institutions operating in specific conditions and under a particular institutional and legal framework. Therefore an analysis of the Polish experience in the area of banking privatisation may serve to provide arguments for the debate as to the desired ownership structure of the banking sector. Such an analysis also

Słowa kluczowe

PL

Sektor bankowy; Reforma bankowości; Efektywność banków; Własność w gospodarce; Przegląd literatury

EN

Banking sector; Banking reform; Banks' efficiency; Ownership in economy; Literature review

• Czasopismo: Bank i Kredyt
• Rocznik: 2004
• Numer: nr 9
• Strony: 14--22

Twórcy

autor

Michał Chałaczkiewicz

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