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Introduction
Economic growth and competitiveness are two of the most analysed areas of economics, which have a direct influence on the welfare of both individuals and the whole society. Today, growing competition puts a new emphasis on corporate future orientation, more precisely, on future-oriented strategy-making. This, however, presupposes a better knowledge of an adequate corporate vision and of resources and action alternatives (Gyenge, 2016). "The 2008 financial and economic world crisis had and still has a significant effect on market participants. According to economic forecasts in 2013-14 the European economy is expected to stagnate, leading European countries are also predicting recession for the near future. Thus, the crisis resulted in not a temporary but an almost permanent situation that could last for several years still" (Karmazin et all., 2013; Túróczi, 2015). Therefore, economic participants need novel, innovative and active strategies to ensure efficient operations (Túróczi, 2016). In the 21st century's turbulently changing economic environment the following development areas seem promising: optimisation of supply chain processes, process innovation, positioning systems and the development of business specific simulation procedures (Gyenge et all., 2016). Economic competition requires a well-functioning financial system: adequate and high quality financial services and an appropriate provision of sources for investments and operations. Banks are looking at peer-to-peer lending companies that lend money by eliminating traditional financial institutions with distrust. They do so for a reason: it is enough to take a look at the exponential growth in turnover figures.
Financial services in transferring that has emerged as a separate cast among startup companies and which aid online trade statements (fintech businesses), and the sharing economy model only appeared a few years ago. Yet, there is already a lot of money in this area, which demonstrates the success of companies structured thus. Despite the fact that the authorities look askance at sharing economy, it seems to be staying with us in the next few decades. Therefore, it is worth considering how it can restructure power relationships between companies and governments, employers and employees, banks and their customers.
However, today the key to the competitiveness of national economies is still the well-capitalised, stable, adequately profitable and solvent banking system, which, by means of its lending activities can improve economic competition, investments and employment figures.
This...