The Polish National Loan Fund was created as an institution in its provisional intent. It was set up for a transitional period in December 1916 until a permanent bank was established. After Poland regained its independence in November 1918, it was also not intended to use its services for a long time. However, the pile of many political and economic circumstances made the Polish National Loan Fund function nearly 8 years in uncertain and temporary conditions, that had a great influence on the rules of its operation, including its structure.