Zastosowanie gradacyjnego modelu w analizie zaufania do banków i innych instytucji finansowych w Polsce
The use of a gradation model in the analysis of trust in banks and other financial institutions in Poland

Summary/Abstract: The article uses a gradation model of the theory of trust which analyzed the trust in banks. It presents a gradational diversification of trust depending on the type of expectations from the banks as well as the issue of excessive trust. The research concerned three groups of factors: the historical heritage, structural context as well as the subjective factors. The significance of the matters of legitimacy and groundlessness of trust was pointed out. The issue of the generalized trust in the institutions of the financial market was also revealed. The normative trust is of particular significance for the functioning of the system, and it also constitutes a serious risk for the banking sector as well as the customers of financial institutions. The studies were conducted in March 2012 on a sample of N = 471 customers who had deposits in different institutions and in 2011 on a sample of N = 12 000 consumers, including 67% who were bank customers.

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