Fenntartható hitelpiac, fenntartható fejlődés

Post-crisis trends in household credit market behavior: evidence from Hungary (Literature review)

“…Thus due to problematic loans outstanding, the legislator tightened the borrowing conditions and completely squeezed FX loans from the market. 4 Increase in the number of nonperforming credit debtors also led to similar actions (to prevent households' further indebtedness) in other European countries (Dancsik et al, 2015…”

“…Thus in 2015, foreign exchange-denominated household loans practically ceased to exist in Hungary, and the situation of the population seemed to return to normal (Lentner, 2015), however, the conditions of the conversion of FX-loans to HUF-loans have been generating repeated litigations at times transferred to international courts, the main element in such actions being a reference made to the absence of adequate financial literacy on the part of the population and to the "misleading" conduct on the part of banks, which resulted (in the opinion of the litigants) in damages suffered due to the conversion, which has remained unsettled to this date (Bodzási, 2019). It is a fact that the disputed matters related to FX-loan contracts have enhanced the disadvantages the population suffered -partly due to the absence of financial knowledge (Banai & Kolozsi, 2018), however, as a result of the conversion of FXloans to HUF-loans and with the interruption of FX-lending on could have expected risk resilience to improve in the household sector. Nevertheless, the excessively "lax" attitude of the population is unmatched among the other countries of the region, especially in view of the fact that subsequently the regulatory authority adopted debt cap rules that are forward-looking in a macro-prudential perspective (Lentner, 2016).…”

The Hungarian Model: Hungarian Crisis Management in View of the Mediterranean Way

“…The funds invested a large portion of their guaranteed inflows in government securities, which financed the mounting debt exactly because of the contribution revenues foregone in favour of the funds (Banai -Palotai 2018). The sector was characterised by weak competition and high operating costs, which increased the budget deficit by 1-1.5 percentage points every year.…”

Még mindig „sok van a párna alatt” : a pénzügyi tudatosság mintázatai Magyarországon egy felmérés tükrében

“…A tudatos gazdasági szereplő ráadásul a váratlan makrogazdasági eseményekből fakadó sokkokat is hatékonyabban kezeli (Klapper et al, 2012). Egy gazdaság sérülékenysége tehát szoros összefüggésben áll az egyének pénzügyi tudatosságának szintjével (MNB, 2017;Bárczi-Zéman, 2015;Banai-Kolozsi, 2018). Pénzügyileg tudatos egyénekre még inkább szükség van olyan időkben, amikor a pénzügyi piacok egyre komplexebbé válnak, és maguk a gazdasági szereplők számára elérhető termékek is egyre bonyolultabbak és átláthatatlanabbak (Zsótér- Németh-Luksander, 2017).…”