Rekomendacja t – szanse i zagrożenia
Recommendation t – chances and threats

Summary/Abstract: The article presents the applied assumptions T Recommendation by the Financial Supervision Commission in February 2010 and attempts to assess its recommendations. Negative changes in the financial market stemming from the collapse of subprime lending in the U.S., led the credit policy by tightening the existing procedures. Not all the Polish banking sector actors have taken such action, prompting the KNF to introduce harmonized rules on risk management for retail credit exposures. Pointed out the recommendations arising from the introduction of benefits, as well as threats, with particular emphasis on the poorest people.

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