Zróżnicowanie poziomu i struktury zadłużenia gospodarstw domowych w krajach Unii Europejskiej

In the article were show the results of cross-sectional and dynamic analysis of diversification the level and structure of household debt and the problems with its repayment in the European Union countries over the period 2005-2009. The statistical data used in the analysis was taken from the European Commission research note. The data come from the Eurostat cyclic research: The European Union Statistics on Income and Living Conditions (EU-SILC) and from European Credit Research Institute (ECRI). In the article were used the multidimensional methods of data analysis (cluster analysis – k-means method) which enabled to classify the households in the European Union according to the characteristics that describe its debt.