ukazał się mój
tekst pt. Nie wszystkie reformy mają sens. Poniżej fragment:
“Wyniki badań pokazują, że jeżeli wierzyciele (szczególnie banki)
są silnie chronieni przez prawo i mogą sprawnie odzyskiwać długi, to
wówczas koszt kredytu jest niższy i rośnie skala zadłużenia. I ten wynik
powinien skłonić do pewnej refleksji. W czasach gdy świat cierpi z
powodu nadmiernego zadłużenia, które eksplodowało w minionych dwóch
dekadach, działania które uruchamiają mechanizmy dalszego szybszego
zadłużania mogą wcale nie być pożądane. O ile czas procedury
upadłościowej zawsze warto skrócić, żeby przedsiębiorca mógł szybko
zacząć prowadzić nowy biznes, to niekoniecznie trzeba się starać obniżać
za wszelką cenę koszty postępowania upadłościowego i zapewniać jak
największy procent odzyskanej wierzytelności przez bank. Trochę więcej
ryzyka spowoduje, że banki będą ostrożniej udzielać kredytów.”
W kolejnym wpisie przestawię kolejne ciekawe obserwacje ze spotkań i rozmów w Doha.
www.rybinski.eu
Krzysztof Rybiński
Economy of the XXI century - https://www.mpolska24.pl/blog/economy-of-the-xxi-century
Professor Krzysztof Rybinski holds MA in computer sciences, and Ph.D. in economics. He has an extensive professional background. He worked as software engineer in Tokyo, director of the Soros Foundation programs in CEE, a consultant to the World Bank. He was chief economist and managing director at commercial banks. In 2004, he was appointed the Deputy Governor of the National Bank of Poland by the President of Poland and performed this function for four years until 2008. He was in charge of research, foreign exchange reserves management, payment systems, cash circulation management, monetary statistics and international relations. Under his supervision National Bank of Poland changed its investment strategy which resulted in additional one billion dollars profit for Poland. In 2004-2005, he was member of the EU Economic and Financial Committee, and in 2007-2008 a member of the Polish Financial Services Authority. In 2007-2008 he served as a World Bank alternate governor for Poland. He was also member of the supervisory boards of several financial sector companies (2008-2009) and Partner in Ernst & Young Poland (2008-2010). Since 2010, he has been Professor and President of Vistula University in Warsaw, which offers education to students from more than 30 countries. In 2012 he launched the investment fund called EUROGEDDON, its investment strategy assumes deepening financial crisis in the Eurozone. The fund launch was covered by Financial Times and CNN International.
Krzysztof Rybinski was economic advisor to several Polish governments. In the last few years he was a coauthor of country higher education strategy, e-government strategy and intellectual capital strategy.
Krzysztof Rybinski is author of numerous refereed papers in economics and (co) author of several books. In March 2012 ranking he was ranked the fourth best Polish economist by number of scientific citations. In October 2012 he received the business award of most respected Polish economist. He has also contributed hundreds of articles on economics and financial markets to Polish newspapers. He published in The Wall Street Journal, Financial Times and The Economist. He was the first senior central banker in the world to have started a popular and often quoted by media economic blog www.rybinski.eu already in 2006.