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Regional Diversity of Business Cycle in Financial Service Market in Poland
Józef Garczarczyk
Marek Mocek
Abstract
The objective of the article is to answer the question whether and to what extend there are changes of economic situation in regions in two basic financial service markets in Poland, i.e. bank service market and insurance service market. Carrying out surveys concerning changes of economic situation is not an easy task and there are two different methods of obtaining it. The first consists in regional comparison of appropriate statistical data set, the second is based on survey research among financial firms. In this paper the basis for analysis constitutes the latter method. The analysis, presented in this paper, are based on all-Poland quarterly business surveys conducted by Department of Marketing Research at University of Economics in Poznań. The subject matter of analysis of regional diversity are changes in essential categories which characterize situation on examined markets, described by simple and complex qualitative indicators of economic situation. As far as bank service market is considered, analysis includes mainly changes of obtained deposits, granted credits and synthetic indicator PIKBANK-REG. Whereas, in case of insurance service market, analyzed changes concern mainly collected insurance premium, paid out indemnities and synthetic indicator PIKU-REG. The changes of economic situation in singled out five regions (Pomeranian [pomorskim], Great Poland [wielkopolskim], Central, East, South) are shown on the background of business cycle observed on all-Poland financial service market.
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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.