GDP per capita as the Factor Influencing Use of Deposit and Credit Offers on the Alternative Financial Services Market

Bożena Frączek, Krystyna Mitręga-Niestrój

Abstract


The article discusses the problem of the alternative financial services market functioning. This type of financial services is offered outside the regulated and supervised financial system. The aim of the article is a preliminary recognition and systematization of the most important factors influencing the decisions taken by individual financial consumers regarding the products and services of the alternative market. The article also aims to conduct the comparative analysis with regard to the use of the basic alternative financial services in countries with different levels of economic developments. The attempt made in the article of detecting appearing regularities on the market of basic alternative financial services in relation to the GDP per capita shows that the analysis in not giving explicit results and further research is required.


Keywords


alternative financial services; factors influencing alternative financial services

Full Text:

PDF (Język Polski)

References


FDIC National Survey of Unbanked and Underbanked Housholds, Federal Deposit Insurance Corporation, October 2014.

Allen F., Carletti E., Oian J., Valenzuela P., Financial Intermediation, Markets, and Alternative Financial Sectors, 2012, http://ssrn.com/abstract=2029082 lub http://dx.doi.org/10.2139/ssrn.2029082 [data dostępu: 10.06.2015].

Alternatywne finanse coraz bardziej popularne w Europie, Portal Innowacji, 25 lutego 2015, www.pi.gov.pl/PARP/chapter_86197.asp?soid=409014B9895042529F9AF7D263B87F5A [data dostępu: 10.06.2015].

Cichorska J., Shark Lending and Limit’s of Prudential Banking Regulation in the Area of Consumer Loans, w: G. Hofbauer (ed.), Challenges, Research and Perspectives, EFA, Berlin 2013.

Frączek B., Mitręga-Niestrój K., Edukacja finansowa wobec rozwoju rynku alternatywnych usług finansowych, „Annales Universitatis Mariae Curie-Skłodowska. Sectio H” 2014, Vol. XLVIII.

Opinia Europejskiego Komitetu Ekonomiczno-Społecznego w sprawie: „Kredyty a wykluczenie społeczne w społeczeństwie dobrobytu”, Dziennik Urzędowy Unii Europejskiej (2008/C 44/19).

Rynek firm pożyczkowych w Polsce, PwC Polska, 2013.

The Little Data Book on Financial Inclusion, The Word Bank, Washington 2012.

Tippett R.M., Undermining Economic Security. Use of Alternative Financial Services in Virginia, Demographics & Workforce Group, Weldon Cooper Center, University of Virginia.

Wardrop R., Zhang B., Rau R., Gray M., Moving Mainstream. The European Alternative Finance Benchmarking Report, University of Cambridge, February 2015.




DOI: http://dx.doi.org/10.17951/h.2015.49.4.117
Date of publication: 2016-01-28 11:03:27
Date of submission: 2015-07-09 20:41:24


Statistics


Total abstract view - 705
Downloads (from 2020-06-17) - PDF (Język Polski) - 0

Indicators



Refbacks

  • There are currently no refbacks.


Copyright (c) 2016 Bożena Frączek, Krystyna Mitręga-Niestrój

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.