Dąbek, Karolina2014-04-122014-04-122010Organizacje komercyjne i niekomercyjne wobec wzmożonej konkurencji oraz wzrastających wymagań konsumentów. Pod red. A. Nalepki, A. Ujwary-Gil. Nowy Sącz : WSB-NLU, cop. 2010. - S. 211-222978-83-88421-65-5http://hdl.handle.net/11199/7504If too optimistic and overinvested market breaks down, it can hit with a disastrous force. In individualistic capitalist system it is not easy to exert a conscious influence on restoring in economic life. It is a characteristic of depression which was rightly emphasized by bankers-entrepreneurs but which was not appreciated by bankers-economist. At the time of economic growth many new investments bring a satisfactory current income. A breakdown occurs when there appear doubts if the anticipated income is attainable. Once the doubts occur, they spread very fast. If illusion are shattered, there appears an “excessive pessimism” in place of anticipations. There comes to situations when no one can afford having a flat in the already existing houses. The paper presents not only the process of financial crisis but also analyzes its causes an effects.plUznanie autorstwa-Użycie niekomercyjne-Bez utworów zależnych 3.0 Polskakryzys finansowyprzyczynyskutkibookPart