The purpose of this article is the presentation the World Bank’s activity in relation to Poland. The author saying about the second 'period of our membership in this institution, divides bank loans into adjustment loans and project ones. Some of them are in the form of credit lines and some as credits. Afterwards the author concentrates her attention on the procedure of obtaining credits and the World Bank project cycle. Underlining causes of weak utilizing credits from beneficiaries point of view and creditors, the author says about changes which were introduced by the World Bank in June 1994 in giving credits. These changes make bank much more accessible what undoubtedly will effect in rising degree of utilizing credits. Zadanie pt. „Digitalizacja i udostępnienie w Cyfrowym Repozytorium Uniwersytetu Łódzkiego kolekcji czasopism naukowych wydawanych przez Uniwersytet Łódzki” nr 885/P-DUN/2014 dofinansowane zostało ze środków MNiSW w ramach działalności upowszechniającej naukę.