Kredyty w teorii racjonalnego wyboru konsumpcji

The aim of the article is the analysis of using credits in the process of optimizing the consumption. The article is an attempt to join the theory of optional choice of household with the credit policy of banks. The criteria of optionality stem from the theory of money based on the category of “time preference”. In the theoretical considerations the author focuses on macroeconomic consequences of too high level of consumer credits.