Dealing with over-indebtedness : approaches in selected developed countries and in Poland

• Autorzy: Małgorzata Iwanicz-Drozdowska , Radosław Kitala , Anna Matuszyk , Agnieszka K. Nowak
• Języki publikacji: EN

Abstrakty

EN

This article presents findings of an analysis of efforts undertaken in Poland and selected developed countries to minimise the impact of over-indebtedness. The main aim was to present major initiatives of a preventive or remedial character that were taken in the studied countries. Such actions were undertaken by public as well as private institutions. All the activities presented were designed to improve people's knowledge of finance and help them to make responsible decisions when taking out credit. Each of the countries discussed has developed their own solutions to raise financial literacy among its citizens, so one model common to all would be difficult to find. However, in all these countries calls are heard for more such actions to be taken, because the costs and consequences of financial exclusion often exceed the costs of education. The situation now on the financial market, with the development of financial services, changes taking place in global financial markets (including the recent subprime crisis), have shown how important it is to be familiar, at least with the basics of personal finance. (original abstract)

Słowa kluczowe

EN

Financial crisis; Financial markets; Credit; Bank credit; Mortgage credit; Credit rating; Credit restraint; Credit decision making; Crediting policy; Credit management; Credit capacity; Debt; Public debt; Long-term securities; Indebtedness; Household debt; Internal debt; Budget deficit; Subprime crisis

PL

Kryzys finansowy; Rynki finansowe; Kredyt; Kredyt bankowy; Kredyt hipoteczny; Ocena zdolności kredytowej; Ograniczenia kredytowe; Podejmowanie decyzji kredytowych; Polityka kredytowa; Zarządzanie kredytem; Zdolność kredytowa; Dług; Dług publiczny; Papiery wartościowe długoterminowe; Zadłużenie; Zadłużenie gospodarstw domowych; Zadłużenie wewnętrzne; Deficyt budżetowy; Kryzys subprime

• Czasopismo: Journal of Management and Financial Sciences
• Rocznik: 2010
• Tom: 3
• Numer: nr 3
• Strony: 55--76

Twórcy

autor

Małgorzata Iwanicz-Drozdowska

• Szkoła Główna Handlowa w Warszawie

autor

Radosław Kitala

• Szkoła Główna Handlowa w Warszawie

autor

Anna Matuszyk

autor

Agnieszka K. Nowak

• Szkoła Główna Handlowa w Warszawie

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