International Scientific Journals
of Scientific Technical Union of Mechanical Engineering "Industry 4.0"

In this article the basic types of capital characteristic for modern financial institutions were presented. Based on the Polish Financial Supervision Authority, the stability of funding sources in a group of commercial, cooperative banks and credit institutions setting up the Polish banking system in the years 2009-2014 was estimated. The conducted study showed that the main funding sources of commercial banks activity, cooperative banks in particular, are deposits of non-financial sector. The emission of debt commitments represents a very small share in total assets. In addition, the internal analysis of the structure of deposits of non-financial sector structure showed that the dominant source of capital are cash flows from the household sector. It should also emphasize that despite the reduction in central bank interest rates, the dynamics of increase in fundraising, is keeping an upward trend, which greatly reduces the instability of funding sources.

Changes, improvement, and finally the introduction of new solutions (innovations) in every area of the company’s activities, are an important part of its existence on the market. Among the characteristics of modern markets, those associated with dynamism are particularly important. Customers’ preferences and needs, the behavior of competitors are constantly changing. This happens in fact of geographically unrestricted access to products and their suppliers. This is accompanied by the possibility of access to key terms of operating efficiency, including innovation information management. They are (information) the cause of innovation, as well as one of the most important factors affecting the achievement of intended objective. This aim of this article is to analyze the possibilities and desirability of active management in conditions of globalization in terms of information, particularly in terms of efficient innovation management in a changing environment.