Zachowanie podmiotów decyzyjnych w czasie kryzysu na przykładzie skłonności do zadłużania się gospodarstw domowych w latach 2003-2011
Decision making during crisis on the example of tendency to household indebtedness during 2003-2011

Summary/Abstract: The article describes the key issues related to the functioning of the households in the financial market. Briefl y presents the idea and economic sense of lending consumption. It also presents from where does the propensity to borrow occur. The period of 2003-2011 in the analyzed EU countries characterized with the growing trend of the household debt. This paper explores whether the onset of the financial crisis in 2008-2011 resulted in a significant way the propensity to borrow, and how the level of income has the propensity to borrow. The analysis lead to a conclusion that, the global crisis reduced temporary the pace of household indebtedness. Moreover in some of the presents countries the values of the household debt exceeded the value of their disposable income. Finally, the authors attempt to interpret the results in the context of rationality decision-making undertaken by individuals.

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