Perspektywy holistycznego pośrednictwa i doradztwa finansowego w Polsce

Krzysztof Waliszewski

Abstract

The article focuses on the issue of financial intermediation and advisory perspectives in Poland in a comprehensive approach. In particular, the financial intermediary model was created with the definition of its elements and determinants affecting it. One of the most important conclusions from the text is that the change in the needs of households and their surroundings as well as the increase in the level of education and financial knowledge of the society directs financial intermediation in the direction of financial advisory. The legal regulations that separate intermediation activities from counseling activities help, indicating different competences as to the knowledge and skills of the broker and financial advisor, as well as the principles of remunerating their work (the agent receives a commission from the financial institutions, the consultant receives remuneration from the client). The progressing computerization and development of modern technologies in finance create specific challenges for intermediaries and financial advisors as well as the emergence of new segments – on-line intermediation and automated financial advisory (robo-advice). Prospects for holistic financial intermediation and advisory in Poland will depend on the regulatory, macroeconomic, technological and demographic environment, the prospects of the clients of these institutions, as well as the prospects of financial products suppliers for financial intermediaries and advisors.
Author Krzysztof Waliszewski (WE / KB)
Krzysztof Waliszewski,,
- Department of Banking
Other language title versionsProspects for Holistic Financial Intermediation and Consulting in Poland
Journal seriesPrzedsiębiorczość i Zarządzanie, ISSN 1733-2486, e-ISSN 2543-8190, (0 pkt)
Issue year2019
VolXX
No1, cz. 1
Pages225-242
Publication size in sheets0.85
Keywords in Polishfinanse osobiste, pośrednictwo finansowe, doradztwo finansowe, podejście holistyczne
Keywords in Englishpersonal finance, financial intermediation, financial counselling, holistic approach
URL http://piz.san.edu.pl/docs/e-XX-1-1.pdf
Languagepl polski
Score (nominal)5
Score sourcejournalList
ScoreMinisterial score = 5.0, 14-04-2020, ArticleFromJournal
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