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PRACA ORYGINALNA
Regulacja lichwy: uzasadnienie, konsekwencje i wybrane wnioski z polskich doświadczeń
 
Więcej
Ukryj
1
Department of Microeconomics, Cracow University of Economics, Poland
AUTOR DO KORESPONDENCJI
Ryszard Kowalski   

Department of Microeconomics, Cracow University of Economics, Poland
Data nadesłania: 09-10-2021
Data ostatniej rewizji: 11-01-2022
Data akceptacji: 13-04-2022
Data publikacji: 30-06-2022
 
GNPJE 2022;310(2):57–73
 
SŁOWA KLUCZOWE
KODY KLASYFIKACJI JEL
STRESZCZENIE
W artykule zarysowano główne nurty współczesnej debaty naukowej poświęconej zasadności i konsekwencjom regulacji lichwy. Studium przypadku polskiego rynku pożyczek pozabankowych pozwoliło zbadać wpływ liberalnej polityki wspierającej jego konkurencyjność na kształtowanie się praktyk lichwiarskich po 2008 r. Przeanalizowano również skuteczność regulacji antylichwiarskich w Polsce. Ustalono, że wzgląd na dobrobyt indywidualny oraz społeczny, a także ryzyko wyzysku pożyczkobiorców, leżą u podstaw argumentacji za wprowadzaniem ograniczenia maksymalnego oprocentowania kredytów. Wskazano również, że firmy pożyczkowe – w pogoni za większymi zyskami – stosują różnego typu opłaty i prowizje, jak również techniki sprzedaży wiązanej, ograniczając tym samym transparentność umów. Rosnąca konkurencja na rynku pożyczek bankowych nie jest czynnikiem wystarczającym do obniżenia kosztów kredytu, zwłaszcza gdy regulacje są ułomne. W konsekwencji skuteczność i sprawność systemu prawnego mogą być postrzegane jako niezbędne w walce z praktykami lichwiarskimi.
FINANSOWANIE
Praca została sfinansowana z dotacji przyznanej Uniwersytetowi Ekonomicznemu w Krakowie.
 
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