Innowacje w mechanizmach alokacji kredytów dla ludności

Abstract

The article concentrates on the innovative solutions in the distribution of retail credits which aim at enhancing the stability of the banks and their competitiveness in the market of debt instruments. The author admits that the role of households in the credit policy of the banks is growing. In order to enhance the quality of these claims, introducing innovations in the mechanisms of allocation, building the partnership relations between banks and their clients through enhancing conditions of contracts, enlargement of discount methods in optimizing methods of repayments, are needed. Another important field of innovative solutions is marketing, which - due to bigger and bigger competition in the credit markets - becomes permanent element of effective allocation mechanisms.