Accretion disks surrounding massive black hole is an attractive scenario of nuclear activity. A number of arguments support it although there is no unquestionable proof of the existence of accretion disks in active galactic nuclei. Meaningful comparison of the disk model prediction with the data can only be made if emission of accretion disks is calculated taking into account the existence of optically thin parts responsible for the emission of x-ray radiation. Nonlocal reprocessing phenomena have to be also included. Since we have no real understanding of the viscous processes operating in accretion disks some ad hoc parameterization of these processes has to be used and its applicability should be checked by broad band comparison of predictions for continuum emission and spectral features with available data.
