Determinanty oprocentowania kredytów w bankach komercyjnych (Część I - czynniki mikroekonomiczne)
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Date
1997
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Wydział Prawa i Administracji UAM
Title alternative
Determinants factors of fixing interests on bank credits in commercial banking (Part one - Microeconomics factors)
Abstract
The article points out the increasing importance of credit as the most essential source of bank
income. This situation makes it necessary to calculate properly and scrupulously the amount of
interests on bank credits. The level of interests on bank credits is an element of price strategy of a bank, the aim of
which is to assure an adequate scale of services offered with, at the same time, realization of the main task of a banking enterprise, i.e. maximization of profit. There is a very large number of factors determining the price of credit. So, their influence on calculation of interests on bank credits makes it very difficult to establish clearly these interests. The factors mentioned can be classified into two groups: micro- and macroeconomic. The article discusses the following microeconomic conditions which are susceptible to influence
the price of credit: costs covered by a bank, credit risk, price strategy, dimension and kind of a debtor, credit period.
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Digitalizacja i deponowanie archiwalnych zeszytów RPEiS sfinansowane przez MNiSW w ramach realizacji umowy nr 541/P-DUN/2016
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Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny, 59, 1997, z. 3, s. 59-75.
Seria
ISBN
ISSN
0035-9629