Kredyty i depozyty bankowe gospodarstw domowych w Polsce na tle Unii Europejskiej
Credits and Bank Deposits of Households in Poland vis-à-vis the European Union

Summary/Abstract: An aim of the study is to survey the tendencies as regards the use by households of the market for credits and deposits in Poland against the background of the changes occurring in other countries of the European Union. The study has the form of research article. In her research, the author used the presented via Eurostat the data concerning annual sectoral financial accounts for the years 1995-2012. In result of the carried out analyses, it was observed that there was the tendency for growth of households’ indebtedness in relation to GDP in the EU countries. It was also noticed that there took place the phenomenon of convergence between countries as regards households’ credits and deposits expressed in the relation to GDP, stronger in the case of credits and weaker in the case of deposits. The changes occurring in the field of the relation of households’ credits and deposits in Poland are similar to those taking place in other countries which accessed the EU in 2004 and later.

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