Wpływ banków zagranicznych na stabilność gospodarki kraju goszczącego

• Autorzy: Marek Lubiński

Warianty tytułu

The Impact of Foreign Banks on the Stability of the Host Economy

• Języki publikacji: PL

Abstrakty

Celem artykułu jest próba znalezienia odpowiedzi na pytanie, czy i w jakim stopniu oraz poprzez jakie mechanizmy banki zagraniczne mogą wpływać na stabilność makroekonomiczną i finansową kraju goszczącego. Problem ten był analizowany w świetle literatury przedmiotu, w której wskazuje się zarówno na szanse, jak i zagrożenia związane z obecnością banków zagranicznych. W nurcie krytycznym podkreśla się dyskryminowanie przez nie przedsiębiorstw lokalnych, zwłaszcza małych i średnich, drenowanie środków z rynku miejscowego, szczególnie w czasie załamania w kraju macierzystym, wyprowadzanie rezerw dewizowych itp. Niezależnie od istniejących kontrowersji zarówno refleksja teoretyczna jak i wyniki dostępnych analiz empirycznych nie potwierdzają większości tego typu zarzutów, ale zarazem nie pozwalają na ich zdecydowane odrzucenie. Jest to wyraźnie potwierdzenie złożoności problematyki i ostrzeżenie przed formułowaniem jednoznacznych ocen. (abstrakt oryginalny)

EN

The article attempts to answer the question whether, to what extent and by what mechanisms foreign banks can influence the macroeconomic and financial stability of the host economy. This problem has been widely analyzed in the literature, with researchers highlighting both the opportunities and risks related to the presence of foreign banks. Critics argue that foreign banks tend to discriminate against local firms, especially small and medium-sized ones. Foreign-owned banks are also criticized for draining funds from the local market, especially at a time of a downturn in the home economy, and for siphoning off foreign exchange reserves. These arguments are neither confirmed nor disproved by economic theory and empirical studies, Lubiński says. This testifies to the complexity of the issue and calls for caution in voicing opinionated views, the author adds. (original abstract)

Słowa kluczowe

PL

Banki zagraniczne; Stabilność finansowa; Procykliczność

EN

Foreign bank; Financial sustainability; Procyclicality

• Czasopismo: Gospodarka Narodowa
• Rocznik: 2012
• Numer: nr 7-8
• Strony: 27--43

Twórcy

autor

Marek Lubiński

• Szkoła Główna Handlowa w Warszawie

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