Economic aspects of the creditworthiness of households in the years 2003-2012
DOI:
https://doi.org/10.29015/cerem.150Keywords:
Behavior of buyers, creditworthiness, household, market behaviorAbstract
Households are an active participant of banking services, including those of a credit. The aim of considerations in this article are the economic aspects associated with the creditworthiness of households over the years 2003-2012. The paper analyzes the factors that have positive and negative effects on creditworthiness. The study was conducted mainly on the basis of reports provided by the Financial Supervisory Commission and the Central Statistical Office in Poland.References
Deloitte (2012), W jaki sposób potrzeby klientów powinny budować segmentację?.
Dobosiewicz Z. (2007), Kredyty i gwarancje bankowe, Warszawa, PWE.
Gigol K. (2000), Opłacalność działalności kredytowej banku, Twigger.
Główny Urząd Statystyczny (2012), Budżety gospodarstw domowych w 2012 r., Warszawa.
Hand D.J., Henley W.E. (1997): Statistical Classification Methods in Consumer Credit Scoring: a Review, “Journal of the Royal Statistical Society”.
Kodeks cywilny, 1964 numer 16 poz. 93, Dział I.
Kraska M. (1996), Credit scoring i credit rating, Warszawa.
Kuklińska A. (2009), Segmentacja Rynku i typologia konsumentów, Warszawa, Instytut Badań Rynku, Konsumpcji i Koniunktur.
Longenecker J.G., Moore C.W., Petty J.W. (1997), Credit Scoring and the Small Business, “A Review and the Need for Research”, Baylor University.
Matuszyk A. (2004), Credit scoring, Warszawa, CeDeWu.
Mester L.J. (1997) What’s the Point of Credit Scoring?, “Business Review”, September/October, Federal Reserve Bank of Philadelphia.
Stanton T.H. (1999), Credit Scoring and Loan Scoring. Tool for Improved Management of Federal Credit Programs, “Grant Report”, July.
Ustawa z dnia 23 kwietnia 1964 r., Kodeks cywilny, Dz. U. 1964 Nr 16.
Ustawa z dnia 29 sierpnia 1997 r., Prawo bankowe, (Dz. U. 1997 Nr 140 poz. 939).
Wiatr M.S. (1998), Ryzyko kredytowe. Współczesny bank, pod red. W.L. Jaworskiego, Warszawa, Poltext.
www.knf.gov.pl.
www.nbp.pl.
Wysocki M. (1999), Polityka kredytowa banku komercyjnego, Warszawa, Twigger.
Zaleśkiewicz T. (2012), Psychologia ekonomiczna, Warszawa.
Zawadzka Z. (2000), Zarządzanie ryzykiem w banku komercyjnym, Warszawa, Poltext.
Downloads
Issue
Section
License
The aim of CEREM is to make scientific work available in accordance with the principle of open access. The rules mentioned below are important, as they enable CEREM and its publisher, the WSB Merito University in Wroclaw, to distribute the scientific work to a wide public while complying with specific legal requirements, at the same time protecting the rights of the authors.
The author transfers to the WSB Merito University in Wroclaw, free of charge and without territorial limitations, with all proprietary copyrights to the said piece of work in the understanding of the act of 4th February 1994 on copyrights and derivative rights (Journal of Laws of 1994, no. 24, item 83, as amended) on an exclusivity basis, i.e. the rights to:
1. Make the piece of work in question available via the Digital Library established by the WSB Merito University in Wroclaw.
2. Produce, record and reproduce in multiple copies the piece of work using any techniques whatsoever, including printing, reprography, magnetic recording and digital processing, and particularly its reproduction by recording on CDs and similar data carriers,
3. Use fragments of the piece of work for promotional purposes in publications, promotional materials, the Internet and Intranet type networks managed by the WSB Merito University in Wroclaw.
4. Store the piece of work into computer databases managed by the WSB Merito University in Wroclaw.
5. Copy and reproduce the piece of work using photo-mechanic technologies other than those commonly known at the time of the signature hereof (photocopies, Xerox copies etc.),
6. Process the piece of work, transferring it into an electronic form, and distribute it on the Internet without limitations.
