Relacje firm z bankami w Polsce w świetle danych ze sprawozdawczości bankowej

The purpose of the study was to identify factors which influence bank-firm relationships in Poland, herein identified with relationship banking. The results of empirical analysis have demonstrated that Polish firms readily establish single-bank relationships. The results of the econometric model, on two data panels, enabled verification of hypotheses concerning the determinants of relationship banking in Poland from the perspective of characteristics of firms, their crediting banks and macroeconomic environment. On the part of firms, the factors whose influence has been identified include: size, profitability, the manner of financing, investment activity, innovativeness, form of ownership, credit risk and facility size. On the part of the financial sector, the verification covered the influence of competition in the banking sector, competition on the part of the capital market and development of the banking sector. The study also concerned the impact of the business cycle on relationship banking in Poland. The study utilised panel data from different sources: B0300 report (NBP) in years 1997–2010, F-01/I-01 report (Central Statistical Office (GUS)) in years 2005–2010 and other aggregated data (NBP, WSE).