Problemy dyskryminacji kredytowej małego i średniego przedsiębiorstwa prywatnego w gospodarce rynkowej w świetle niemieckiej myśli ekonomicznej
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Wydział Prawa i Administracji UAM
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Problem of credit discrimination against small and middle-sized private enterprises in market economy in the light of German economic thought
Abstract
The subject of the article are side-effects of economic policy of difficile and expensive money
during enlivened conjuncture (a boom) in the field of credit offer and a reception of respectively
resulting problems by German economic thought. The example of German has been selected purposely
because German economic thought reveals a mechanism of wrongful identification of structural
abundance of capital in the national economy with its conjunctural limitations. A lack of
explicite delimitation between structural abundance of capital and its conjunctural insufficiency
leads to ignoring serious economic consequences in offering of bank credit for small and middle-sized
private enterprises under a boom.
The final part of the article is devoted to the analysis of a mechanism aimed at limitation of
access of such enterprises to bank credit during enlivened conjuncture as well as of some economic
effects of such a limitation - first of all in the area of efficiency of competition mechanism and in
what concerns the structure of market.
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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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Ruch Prawniczy, Ekonomiczny i Socjologiczny, 59, 1997, z. 2, s. 49-64