Efekty obciążeń regulacyjnych i fiskalnych sektora bankowego dla akcji kredytowej banków przed pandemią COVID-19 i w trakcie jej trwania
Effects of regulatory and fiscal burdens on the banking sector on bank lending before and during the COVID-19 pandemic

Author(s): Iwona Dorota Czechowska, Czesław Lipiński, Jacek Sikorski, Joanna Stawska, Wojciech Zatoń
Subject(s): Economy, Business Economy / Management, Financial Markets
Published by: Wydawnictwo Uniwersytetu Łódzkiego
Keywords: fiscal burdens; banking sector regulations; loans; unsupported receivables; interest rates; capital adequacy; COVID-19
Summary/Abstract: The publication is a monograph describing comprehensively the issue of regulatory and fiscal burdens on the banking sector and their consequences for the level of loans, in the time perspective before and during the COVID-19 pandemic. It is a compendium of knowledge in the field of broadly understood finance, about the nature and mechanisms of the functioning of external burdens on the banking sector and related problems. The authors attempt to present this type of regulation in the context of the security and financial stability of the banking system, as well as in a broader perspective of the financial system. They present the current (as of 2021) burden, paying attention to specific instruments of fiscal and regulatory policy. Using the econometric model, they operationalize the main objective of the study, which is to determine and analyze the impact of external burdens on the lending potential of the banking sector, as well as an attempt to identify base scenarios. Previous studies have rarely attempted to combine regulatory and fiscal requirements in the context of, among other things, an in-depth analysis of the requirements for NPL Non-Performing Loans. Monothematic publications focused on a narrow approach to this type of external load prevailed. The originality of this publication is the collection of information on regulatory and fiscal requirements for the banking sector, and especially the presentation of this issue during the COVID-19 pandemic. It is one of the first items that comprehensively address this type of issue. Its advantage is the multifaceted nature of the issues described.

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