Banking Bonds as a Tool for Lengthening the Average Maturity of Banks’ Liabilities in Poland

Renata Papież

Abstract


This article aims to identify the role of banking bonds, as a potential tool for lengthening the average maturity banks’ liabilities in Poland. When using institutional analysis, which allowed the banking bonds classified as a typical institution of the continental financial system – it is seen as a helping tool in stabilizing the liquidity situation of commercial and cooperative banks. A potential loss of liquidity of stability by banks in Poland is a threat to stability arising mainly from the tendency of households to invest cash for short periods, when, at the same time, grows the volume of long-term mortgage loans. “Short” liabilities and “long” assets are simultaneously negative phenomenon funding gap in the Polish banking sector.


Keywords


banking bond; term structure of maturity banking assets and liabilities; funding gap

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DOI: http://dx.doi.org/10.17951/h.2015.49.4.445
Date of publication: 2016-01-28 11:03:44
Date of submission: 2015-07-15 11:01:33


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