Ochrona konsumenta a wykluczenie finansowe stanowiące wynik niewłaściwego zarządzania ryzykiem finansowym codzienności
Consumer protection vs. financial exclusion as a result of incorrect everyday financial risk management

Summary/Abstract: Financial exclusion can result from incorrect everyday financial risk management. It refers to those individuals who, as a result of financial decisions made in different market conditions, or suffering unfortunate life circumstances, have become excessively indebted and their material status has suddenly deteriorated. In such a situation they turn out unattractive for banks and thus suffer exclusion from the financial system. The objective of the article is to present the role of a consumer protection in fighting this kind of financial exclusion. The analysis and critique method applied to legal acts and the descriptive method allowed for indicating the advantages and disadvantages of consumer protection − one of the areas of responsible finance within which the desired inclusion oriented activities should be performed.

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