Doktryna dobra publicznego w bankowości a kryzys

This article has a following thesis: changes in banking and a role of universal banks in real area in last years, give an argument for treating banks as public good in the crisis situation. 80–90% of societies use banking services in many countries as an effect of banking development. New social functions of banks appeared. Doctrines about sanitation and government support for banks were changed parallelly (LoLR, TBTF, TITF, doctrine of social good). Presently there are some arguments for recognition of social good doctrine in banking such as: a very big area for state regulation, state banking supervisory (e.g. acceptance of shareholders structure, appointment of president and vice president of a bank), state system of deposits insurance, realization of task delegated by the state, financing of public-private enterprises, social responsibility of banks and others. Banks received a great support form governments as a result of the subprime crisis. G-20 recommended new regulations for this sector as a result of crisis lesson. These arguments confirm that banks’ activity has a particular importance for society and economy.