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Tradycyjne i nowe produkty bankowe dla inwestorów w ochronie środowiska

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Academic year: 2021

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 9),1$162:($63(.7<=$5=˜'=$1,$25*$1,=$&-$0, 0DULD*DEU\Î* 75$'<&<-1(,12:(352'8.7< %$1.2:('/$,1:(6725¤: :2&+521,(Ý52'2:,6.$ 75$',7,21$/$1'1(:%$1.,1* 352'8&76)25(19,5210(17$/,19(67256 6XPPDU\ *OREDOLVDWLRQSURFHVVHVVLJQLILFDQWFDSLWDOIORZIUHHGRPGLVDSSHDUDQFH RIEXVLQHVVDFWLYLW\ERUGHUVDQGLQFUHDVLQJFRPSHWLWLRQRQWKHRQHKDQGDQG SHQHWUDWLRQRIWHFKQLFDODFKLHYHPHQWVWRWKHILQDQFLDOVHUYLFHVHFWRURQWKH RWKHUKDQGDUHNH\IDFWRUVZKLFKKDYHFRQWULEXWHGWRFKDQJHVLQEDQNVRIIHU in the world in recent years. The introduction of new services as well as the modernisation of traditional services substantially influence the operation of banks. The organisation of banking activities and contemporary bank man-DJHPHQWPHWKRGVDUHVXEMHFWWRWUDQVIRUPDWLRQ7KXVDWSUHVHQWEDQNVIRFXV QRW RQ GHYHORSLQJ DQG GHOLYHULQJ SURGXFWV EXW RQ UHVHDUFKLQJ WKH PDUNHW DQGWKHLUSUHVHQWDQGSURVSHFWFXVWRPHUVQHHGVIRUHFDVWLQJPDUNHWWUHQGV FUHDWLQJSURGXFWVVDWLVIDFWRU\WRFXVWRPHUVLQDUHOHYDQWSODFHDQGWLPHLP-plementing such products and controlling their market life.

Economic situation allows banks for searching new sources for customer ILQDQFH 7KLV FDXVHV WKDW WKH\ DUH HDJHU WR VXSSRUW WKURXJK WKHLU EDQNLQJ VHUYLFHV DFWLRQV DLPLQJ DW WKH GHYHORSPHQW RI HQYLURQPHQWDO LQGXVWU\ DQG VHUYLFHVDVZHOODVWKHPDUNHWRISURGXFWVDQGVHUYLFHVUHODWLQJWRHQYLURQ-ment protection.

The purpose of this article is to present the offer of standard and innova-tive banking products used to finance environmental investments. The thesis LVWKDWEDQNVDFWLYHQHVVLQFUHDVHVZKLFKLVUHIOHFWHGE\DQLQQRYDWLYHPDUNHW RIIHUDGGUHVVHGWRHQYLURQPHQWDOLQYHVWRUVDVZHOODVDQHHGWRGHYHORSVXFK

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an offer because of the attractiveness of the environmental sector as a market RILQYHVWRUVODUJHGHPDQGIRUILQDQFHDQGQHFHVVDU\ILQDQFHFRPELQDWLRQV IRUSURMHFWVILQDQFHGZLWK(8IXQGV:LWKRXWEDQNVHVSHFLDOO\DWDSURMHFW SUHILQDQFHVWDJHQR(8IXQGVFRXOGEHDEVRUEHGLQ

This article is composed of three parts. The first part describes the impact of environmental investments on the modification and establishment of mod-HUQEDQNLQJSURGXFWVIRULQYHVWRUVSXUSRVHV7KHVHFRQGSDUWSUHVHQWVW\SLFDO EDQNLQJSURGXFWVXVHGWRSURYLGHHQYLURQPHQWDOVHUYLFHVLQFOXGLQJHVSHFLDOO\ WKHUROHRI%DQN*RVSRGDUVWZD.UDMRZHJRDQG%DQN2FKURQ\VURGRZLVND6$ The third part makes an attempt to define trends in the establishment of modern SURGXFWVE\EDQNVJLYHQWKHH[LVWLQJGHPDQGIRUSURWHFWLYHSURMHFWILQDQFH

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