Obligacje bankowe jako narzędzie wydłużania średniego terminu wymagalności pasywów banków w Polsce
Banking Bonds as a Tool for Lengthening the Average Maturity of Banks’ Liabilities in Poland
Author(s): Renata PapieżSubject(s): Financial Markets
Published by: Wydawnictwo Naukowe Uniwersytetu Marii Curie-Sklodowskiej
Keywords: banking bond; term structure of maturity banking assets and liabilities; funding gap; obligacja bankowa; terminowa struktura zapadalności aktywów i wymagalności pasywów banku; luka finansowania;
Summary/Abstract: This article aims to identify the role of banking bonds, as a potential tool for lengthening the average maturity banks’ liabilities in Poland. When using institutional analysis, which allowed the banking bonds classified as a typical institution of the continental financial system – it is seen as a helping tool in stabilizing the liquidity situation of commercial and cooperative banks. A potential loss of liquidity of stability by banks in Poland is a threat to stability arising mainly from the tendency of households to invest cash for short periods, when, at the same time, grows the volume of long-term mortgage loans. “Short” liabilities and “long” assets are simultaneously negative phenomenon funding gap in the Polish banking sector.
Journal: Annales Universitatis Mariae Curie-Skłodowska, Sectio H Oeconomia
- Issue Year: XLIX/2015
- Issue No: 4
- Page Range: 445-456
- Page Count: 12
- Language: Polish