View of Factors Which Destabilize Financial Systems. An Attempt to Diagnose the Crisis of 2008 and Afterwards

ROCZNIKI EKONOMII I ZARZDZANIA Tom 7 (43), numer 1-2 – 2015 DOI: http://dx.doi.org/10.18290/reiz.2015.7(43)-6 HELENA UKOWSKA *

CZYNNIKI DESTABILIZUJCE

SYSTEMY FINANSOWE

– PRÓBA DIAGNOZY DLA KRYZYSU 2008 PLUS

WPROWADZENIE

Celem niniejszego artykuu jest zaprezentowanie istoty kryzysów finanso-wych i bankofinanso-wych oraz przyczyn ich wystpowania, ze szczególnym uwzgld-nieniem kryzysu 2008 plus. Myl wiod c jest wskazanie na wielki i nieroz-wi zany problem diagnozy przyczyn kryzysów, cakowicie odmiennie po-strzeganych przez rónych ekonomistów i szkoy teoretyczne w ekonomii. Celem uzupeniaj cym jest zwrócenie uwagi na zmiany, jakie w czasie ostat-niego kryzysu dokonay si w postrzeganiu polityki gospodarczej, w tym roli instytucji pastwa w gospodarce.

1. RELACJA MIĉDZY SYSTEMEM FINANSOWYM A GOSPODARK JAKO MIEJSCE NARODZIN KRYZYSÓW FINANSOWYCH

Gospodarka rynkowa skada si z dwu istotnych segmentów jednorodnych, jeli chodzi o zachodz ce w nich procesy i prawidowoci oraz ich organizacj – sektor realny (sfera dóbr i usug) oraz sektor finansowy (sfera pieni dza). W sektorze realnym produkowane s dobra i usugi materialne, natomiast w sektorze finansowym wiadczone s usugi finansowe. Sektor realny i

Dr hab. HELENA UKOWSKA – kierownik Katedry Rachunkowoci w Instytucie Ekonomii i Zarz dzania na Wydziale Nauk Spoecznych KUL; adres do korespondencji: Al. Racawickie 14, 20-950 Lublin; e-mail: helenazukowska@kul.pl

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