Wydajność rynku usług finansowych w Polsce i Unii Europejskiej w świetle tablic wyników dla rynków konsumenckich

Abstract

Financial services market in Poland is developing dynamically. New financial products are offered and more new financial institutions emerge. An integral part of this process is monitoring the market in order to protect consumers and to ensure market transparency on the part of regulators. The aim of this paper is to characterize the financial services market in terms of its performance in the light of the study of consumer markets in Europe, the so-called consumer markets scoreboard prepared by the European Commission. In the first part of the article the principles and methodology of the study are summarized. The second part of the article contains the analysis of the results for several sectors of the financial services market included in the study, as compared to other consumer markets in Poland and the European Union. Evaluation of performance of the financial services market as a whole is below average, but it should be pointed out that significant differences exist between the segment of insurance services (high grade), and the banking services segment, which turned out to be the worst segment of all services in the European Union. Polish financial services market is estimated slightly better than the average in the EU.