JEL Classification: G21Streszczenie: Artykuł poświęcony jest zagrożeniom rozwojowym sektora bankowości spółdzielczej w Polsce. W szczególności dotyczy niedostosowania banków spółdzielczych do nowych uwarunkowań rynkowych, technologicznych, regulacyjnych i demograficzno-kulturowych. Analiza dotychczasowego modelu organizacyjno-biznesowego pokazuje pojawienie się poważnych negatywnych zjawisk i zapowiedź ich eskalacji. Wskazane są konkretne obszary wymagające zmian. Brak podjęcia odpowiednich działań o charakterze integracyjnym i centralizacyjnym prowadzić będzie do wyeliminowania tego sektora z rynku.Słowa kluczowe: bankowość spółdzielcza, model organizacyjno-biznesowy.
Summary:The article is devoted to the development threats of the cooperative banking sector in Poland. In particular, it concerns the maladjustment of cooperative banks to new market, technological, regulatory and demographic and cultural conditions. The analysis of the current organizational and business model shows the appearance of serious negative phenomena and the announcement of their escalation. Specific areas for change are indicated. The action should mainly concern the integration and centralization. The lack of action will lead to the elimination of this sector from the market.
The article examines the attitude of the great world religions (Judaism, Christianity, Islam, Buddhism, Hinduism, and Confucianism) toward the world of finance, including banking. The issue of usury plays a key role in the evolution of ethical aspects related to obtaining compensation for money lending. The presented analysis also focuses on other aspects of banking activities, such as saving, investing and the institutional development of the banking sector. The author underlines the far-reaching convergence between the religions in this area, in spite of the considerable variation in historical and geographical conditions of their formation. The importance of cultural (religious) differences, including some fundamental nuances that affect the banking management in different regions. For successful development, large multinational corporations have to take into consideration the above-mentioned circumstances, regardless of the globalisation processes.
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