The economic crisis triggered by the COVID-19 outbreak has severely affected the global economy. The ultimate scale of the recession is yet to be determined, but it is likely to be the most dramatic slump since World War II. The impact of the crisis on the financial sector, especially consumer finance, could almost instantly be observed. The article shows how determination and consistency in regulatory actions counteracts the effects of the pandemic crisis for the banking sector and consumer finance. The conducted research has shown the existence of a number of social phenomena typical of this type of global crisis, such as shopping panic, reduced creditworthiness of households related to loss of income, unemployment and increased crime. At the same time, the actions of financial market regulators turned out to be very effective (no negative structural phenomena occurred in the financial market). The accuracy of the selection of instruments and the speed of action limited the social and financial effects of the pandemic, including a loan repayment memorandum, limiting the cost of consumer loans and supporting the banking sector, which will limit the scale of excessive household debt and consumer bankruptcies, and companies were also supported. The research was conducted on the basis of available literature on the subject, market analyses and a review of regulations implemented at the central level and in individual EU member states.

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COVID-19 大流行引发危机的影响以及监管机构对波兰和其他欧盟国家消费金融市场的行动

COVID-19爆发引发的经济危机严重影响了全球经济。经济衰退的最终规模尚未确定，但很可能是自二战以来最剧烈的衰退。几乎可以立即观察到危机对金融部门，尤其是消费金融部门的影响。本文展示了监管行动的决心和一致性如何抵消大流行危机对银行业和消费金融的影响。所进行的研究表明，此类全球危机中存在许多典型的社会现象，例如购物恐慌、与收入损失相关的家庭信用下降、失业和犯罪增加。同时，事实证明，金融市场监管机构的行动非常有效（金融市场没有出现负面的结构性现象）。工具选择的准确性和行动的速度限制了大流行的社会和金融影响，包括贷款偿还备忘录、限制消费贷款成本和支持银行业，这将限制家庭过度债务的规模和消费者破产，企业也得到支持。该研究是在有关该主题的现有文献、市场分析以及对中央层面和个别欧盟成员国实施的法规的审查的基础上进行的。工具选择的准确性和行动的速度限制了大流行的社会和金融影响，包括贷款偿还备忘录、限制消费贷款成本和支持银行业，这将限制家庭过度债务的规模和消费者破产，企业也得到支持。该研究是在有关该主题的现有文献、市场分析以及对中央层面和个别欧盟成员国实施的法规的审查的基础上进行的。工具选择的准确性和行动的速度限制了大流行的社会和金融影响，包括贷款偿还备忘录、限制消费贷款成本和支持银行业，这将限制家庭过度债务的规模和消费者破产，企业也得到支持。该研究是在有关该主题的现有文献、市场分析以及对中央层面和个别欧盟成员国实施的法规的审查的基础上进行的。