Oszczędności i zadłużenie polskich gospodarstw domowych
Savings and debt of Polish households

Summary/Abstract: The article assesses the level of savings and the level and structure of debt of Polish households in a time frame view (retrospective of 2000-2010) on an all-Poland scale. The year 2000 has been assumed as a point of reference. In the analysis and comparison, we used the data from the statistical yearbooks of Poland, household budgets performed by Central Statistical Office, data from National Bank of Poland and Public Opinion Research Center. The applied research method may be described as a descriptive analysis with elements of quantitative analysis. The survey showed that the share of savings in gross disposable income of the households sector decreased between 2000 and 2012. There were also significant changes in both the level and structure of debt of Polish households. The share of the consumer credit decreased and the mortgage credit increased.

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