Tradycyjne i nowe produkty bankowe dla inwestorów w ochronie środowiska
Ładowanie...
Data
2008
Autorzy
Tytuł czasopisma
ISSN czasopisma
Tytuł tomu
Wydawca
Wyższa Szkoła Biznesu - National-Louis University w Nowym Sączu
Abstrakt
Globalisation processes, significant capital flow freedom, disappearance
of business activity borders and increasing competition, on the one hand, and
penetration of technical achievements to the financial service sector, on the
other hand, are key factors which have contributed to changes in banks' offer
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 management
methods are subject to transformation. Thus, at present, banks focus
not on developing and delivering products, but on researching the market
and their present and prospect customers' needs, forecasting market trends,
creating products satisfactory to customers in a relevant place and time, implementing
such products and controlling their market life.
Economic situation allows banks for searching new sources for customer
finance. This causes that they are eager to support, through their banking
services, actions aiming at the development of environmental industry and
services, as well as the market of products and services relating to environment
protection.
The purpose of this article is to present the offer of standard and innovative
banking products used to finance environmental investments. The thesis
is that banks activeness increases, which is reflected by an innovative market
offer addressed to environmental investors, as well as a need to develop such an offer because of the attractiveness of the environmental sector as a market
of investors, large demand for finance, and necessary finance combinations
for projects financed with EU funds. Without banks, especially at a project
prefinance stage, no EU funds could be absorbed in 2007-2013.
This article is composed of three parts. The first part describes the impact
of environmental investments on the modification and establishment of modern
banking products for investors' purposes. The second part presents typical
banking products used to provide environmental services, including especially
the role of Bank Gospodarstwa Krajowego and Bank Ochrony srodowiska SA.
The third part makes an attempt to define trends in the establishment of modern
products by banks given the existing demand for protective project finance.
Opis
Słowa kluczowe
produkty bankowe, ochrona środowiska, inwestycje, fundusze unijne
Cytowanie
Organizacje komercyjne i niekomercyjne wobec wzmożonej konkurencji oraz wzrastających wymagań konsumentów. Pod red. A. Nalepki. Nowy Sącz : WSB-NLU, 2008. - S. 301-315